Acceptance and tariff criteria
Acceptance criteria are the conditions that determine eligibility for insurance coverage. Tariff criteria are the factors that influence the cost of the insurance policy. Together, these criteria ensure that our insurance offerings are tailored to meet your specific needs and are priced fairly based on various factors such as risk profile and coverage requirements. We strive to be transparent about these criteria so that you can make informed decisions about the insurance you choose for your company.
Table of contents
Collective insurance
A collective insurance is a profession-related health insurance that is closed by one or more policyholders for the benefit of one or more persons who are professionally connected with the policyholder at the time of joining the insurance.
The location of the policyholder (postal code of the company) has an influence on acceptance and tariff.
Acceptance: Alan only offers insurance for companies based in Belgium.
Tariff: The costs that hospitals charge vary greatly from hospital to hospital. For example, companies located in Brussels represent a higher cost for the hospitalisation guarantee compared to companies located in Flanders and will therefore also pay a higher premium.
The number of employees in service at the policyholder has an influence on acceptance and tariff.
Tariff: For companies with more employees, Alan can spread the fixed costs associated with subscribing to and managing the contract over more employees, consequently we can offer our coverage at a lower price per employee.
The claim statistics of the past years can have an influence on the tariff.
Tariff: For companies with at least 150 employees, Alan can request the damage statistics of the past years if a similar insurance was already subscribed in the past. The damage statistics are used to refine the rate. A higher damage cost in the past will lead to a higher premium and a lower damage cost will lead to a lower premium.
Individual product
An individual product is a health insurance that is closed by one or more policyholders for the benefit of one or more persons without a professional connection. This product is only offered by Alan in case of individual continuation of a profession-related insurance.
The residence of the policyholder has an influence on acceptance and tariff.
Acceptance: All products that Alan offers require that your residence and actual place of residence is located in Belgium.
Tariff: The costs that hospitals charge vary greatly from hospital to hospital. If you as a policyholder live in Brussels, for example, you pay a higher premium than if you live elsewhere in Belgium.
Age has a significant influence on the tariff.
Tariff: The chance of frequent and significant medical costs increases as you get older. Therefore, the premium you pay depends on your age at the time of subscription. The premium evolves with the age category and on the annual expiry date, it will be adjusted to the contractually fixed premium that corresponds to your age category.