Premium hospitalisation
Finally digital, transparent, and lightning fast.
No waiting period, no medical questionnaire.
Covered in and outside Belgium.
Top-notch hospitalisation insurance
100% covered, we pay your invoice directly. All hospitals and private rooms with €150 personal contribution. For both overnight stay and one day clinic.
Finally digital, transparent, and lightning fast.
Transparancy first. No surprises.
Simply open your Alan app and see what we reimburse. Still in doubt? Ask our care team, they reply within 3 minutes.
We take care of the bill for you
Even better, when staying at the hospital, simply show your digital Assurcard, and we pay directly for you. No need to get out your wallet.
Understand what's reimbursed
See what we reimbursed and why. You can even see what your mutuality will reimburse, and what's left on your side.
Your questions, answered
Are there any coverage limitations?
Please read the insurance product information sheet (IPID) for a detailed overview of coverage limitations.
- Reimbursement up to 50% of the costs of the total hospital invoice, including pre-post costs and serious illnesses, if your mutuality does not intervene on any item of the hospital bill.
- The reimbursement of a planned hospitalization within the other member states of the EU is limited to €25,000. This restriction does not apply for Belgium.
- Reimbursement of unplanned hospitalization abroad is limited to €500,000. This restriction applies equally to others Member States of the EU as well as third countries.
- Limit of € 1,500 for fertility treatments with the intervention of the RIZV/NIHDI.
- Limit of 150€ for sterilization.
- Limit of 1,000€ for the donor's medical expenses.
- Limit of 1,000€ on the cost of a wig.
- Reimbursement limit of €5,000 for the total of prostheses, orthopaedic appliances, medical equipment and medical devices if your mutuality does not intervene.
- A personal contribution for hospital admissions where you opt for a single room may apply. The amount of the personal contribution is mentioned in the Special Terms and Conditions, if applicable.
What is not covered?
Please read the insurance product information sheet (IPID) for a detailed overview of what is not covered.
- Care not provided for in the section 'What is insured?' and in particular: contraception, surrogacy, refractive eye surgery, thermalism, thalassotherapy, hygienic-dietetic therapy, breastfeeding advice, sleep coaching
- Fertility treatments without the intervention of the RIZV/NIHDI.
- Care not prescribed and provided by an INAMI recognized care provider, or the care provided by a homeopath, osteopath, chiropractor not recognized by the health insurance fund, or care provided by an acupuncturist not recognized by the professional association.
- Care resulting from drug use, alcohol abuse or as a result of an intentional or reckless act.
- Aesthetic treatments, or functional/subjective ailments whose cause or symptoms cannot be medically explained.
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Rated 4.9 stars ★★★★★ on the App StoreTransparency first: All documents at a glance
This concerns advertising within the meaning of the Royal Decree of 25 April 2014 regarding certain information obligations when marketing financial products. For more information and before subscribing to any of our products, please refer to the insurance product information sheet (IPID), and General Terms and Conditions:
The information document about the insurance product (IPID) is solely intended to provide you with an overview of the main coverages and exclusions relating to these products. It is not adapted to your specific needs, and the information contained herein is not exhaustive. The contract can be cancelled at any time by the policyholder. Terms and conditions are applicable until 31 December of the covered year and are yearly tacit renewed for 1 year. Quotations and additional information can be requested via the "book a meeting" button on alan.com.
Alan is a public limited company (Siren: 818 353 070 R.C.S. Paris) and is subject to the Belgian Insurance Law of April 4, 2014. Alan's head office is at 117 Quai de Valmy, 75010 Paris. Alan is subject to supervision by the Prudential Supervisory and Resolution Authority (ACPR), the French insurance regulator.
You can share feedback with our care experts in the Alan app. Click on "Ask us a question" in your app. We reply within 3 minutes (within office hours). Are you unable to reach an agreement with a care expert? Send an email to [email protected], we will be glad to help. Are we still unable to work it out together? You can contact the Insurance Ombudsman: Square de Meeûs 35, 1000 Brussels, [email protected], www.ombudsman-insurance.be, or by telephone on +32(0)2 547 58 71.