Submit your medical expenses

Depending on your contract, the coverage period is 1 or 2 months before hospital admission and 3 or 6 months after.

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For example, let's say your contract provides cover for 1 month before and 3 months after hospitalisation, and you are hospitalised from 10 to 15 June. We will reimburse the costs associated with this hospitalisation that you incur between 10 May and 15 September.
Please see your contract or the guarantees under your hospital plan for the exact conditions of reimbursement.

Medical care isn't just received in hospital. That's why we also reimburse medical costs within a certain period before and after admission, provided that:

• the INAMI (Belgian National Institute for Illness-Disability Insurance) recognises the costs
• the costs are directly associated with the cause for admission

This is referred to outpatient care – medical care you receive that you don't always have to go to hospital for. This could be:

• medication
• medical fees (GP, specialist, etc.)
• paramedical fees (physiotherapist, orthopaedist, etc.)
• nursing and home care
• prostheses and orthopaedic materials (glasses, contact lenses, crutches (rental), ...)
• etc.​

Scan your medical costs invoices or take a clear photo and send them in via MyAG Employee Benefits (app or desktop) or ​at www.ag.be/hospi.​

Please note: you can only claim for medical costs via MyAG Employee Benefits (app or desktop)​ after you have completed registration. This means that you need to have checked your personal details and provided a correct bank account number.

You can find more information about registering for MyAG Employee Benefits​​ on this page ​or in the app.

What if I don't want to provide proof of my medical expenses electronically?

Don't worry – you can still send us your medical costs invoices by post. Fill in the "Claim for Reimbursement of Medical Expenses". 

Are your costs linked to a hospitalisation or an accident? In that case, use the "Declaration of hospitalisation​​" to submit your costs. 

Send the completed form together with a copy of the invoices or proofs of payment to:

• Medical Service
  AG Insurance - Dienst Health Care
  Emile Ja​cqmainlaan 53
  ​1000 Brussels, Belgium
  

Important: Always keep the original documents and only send us copies of your medical bills.

Be sure to include your correct account number and also write your reference, contract and/or card number on one of the documents or cover letters.​

You can claim for medical expenses for all members of your family insured through your contract, as long as they have activated their card. This means they must have registered, and their personal details and bank account number must have been verified.

 
How do I claim for medical costs incurred by a family member?
 
Scan the medical costs invoices or take a clear photo and send them (ideally as a PDF) in via MyAG Employee Benefits (app or desktop) or ​at www.ag.be/hospi​​.​

Please note: your family members can only claim for medical expenses via MyAG Employee Benefits (app or desktop)​ if they are registered on MyAG Employee Benefits​.

For your children under 18, they are automatically registered when you complete registration yourself. Your partner and any children 18 or over must register themselves on MyAG Employee Benefits.

You can find more information about registering for MyAG Employee Benefits ​on this page 

  
What if I don't want to provide proof of my medical expenses electronically?

Don't worry – you can still send us your medical costs invoices by post. Fill in the "Claim for Reimbursement of Medical Expenses". 

Are your costs linked to a hospitalisation or an accident? In that case, use the "Claim notification​​​" to submit your costs. 

Send the completed form together with a copy of the invoices or proofs of payment to:

• Medical Service
  ​AG Insurance - Dienst Health Care
  Emile Jacqmainlaan 53
  1000 Brussels, Belgium

Important: Always keep the original documents and only send us copies of your medical bills.

Be sure to include your correct bank account number and also write the reference, contract and/or card number of the family member concerned on one of the documents or cover letters.​

We don't generally need you to send us the original documents.

If you send us the documents electronically, you will keep the originals anyway.

But if you choose to send us them by post, please always keep the original documents and only send us copies.

In exceptional cases, we may ask you to send us the original documents, but we will always say so first. 

Of course, it's best not to wait until the last minute to send us your medical expenses for reimbursement.

Depending on your contract, the coverage period is 1 or 2 months before hospital admission and 3 or 6 months after. This means the outpatient care must have been paid for or purchased within this period.

However, the statutory deadline for sending us invoices for medical costs related to your hospital admission is 3 years.

Of course, it's best not to wait until the last minute to send us your medical expenses for reimbursement.

If you have outpatient care insurance, the statutory period is still 3 years and you can send the bills throughout the year.​​

Treatment for a serious illness such as cancer, diabetes or Crohn's disease doesn't always involve a stay in hospital.  You might also receive care from your doctor, physiotherapist, etc. outside the hospital. This is called outpatient care, which is charged in addition to your hospital bill and the costs can soon add up if you're undergoing long treatment.

Fortunately, you can count on your insurance cover. Despite its name, your hospital plan with AG doesn't just cover hospital expenses. It also reimburses the costs for treatment of a serious illness all year round, even if you are not admitted to hospital.

How does the critical illness coverage guarantee work? 

• Asking for the guarantee to be activated
  For us to activate the critical illness guarantee, you need to provide us with a medical report issued by your attending physician, stating the name of your illness, the date of the diagnosis and the intended treatment. 
• ​Following up with your case
  After a certain period, we might request a new medical report so we can find out how your case has progressed.
• End of the critical illness
  The guarantee ends when we receive a medical report stating that your illness has been cured and there are no more signs of the disease. However, we will continue to reimburse the costs of an annual follow-up related to the illness.
• Relapse
  If the illness returns after a while, the critical illness guarantee can be reactivated. In such case, the procedure above will start again.

Please see the guarantees under your hospital plan or contract to check which conditions qualify under the critical illness guarantee.