Hospitalisation insurance during pregnancy

Being pregnant and giving birth are not cheap. As well the expense of cute new baby clothes, a cot and mountains of nappies, you are also faced with all kinds of medical costs.
The majority of medical costs are reimbursed by your mandatory health insurance. But this does not cover everything. Hospitalisation insurance can help to cover any additional costs.
What is hospitalisation insurance?

What is hospitalisation insurance?

Hospitalisation insurance is an additional insurance policy on top of the health insurance required by law. It covers certain medical costs in the event of hospitalisation due to illness, accident or childbirth.

What costs does hospitalisation insurance cover?

Hospitalisation insurance covers medical costs in the event of hospitalisation due to illness, accident or childbirth. This concerns certain costs related to the admission itself and to prior care and follow-up treatment.

Not all hospitalisation insurance covers the same costs. Request the terms of your insurance policy from your health insurance fund or your employer. 

Example: Your hospitalisation insurance covers a stay in a two-person room in the event of being admitted to hospital. If you arrive at the hospital and you choose a single room, the supplements charged by the hospital for a single room will not be reimbursed by your hospitalisation insurance.

Please note: if you take out insurance during your pregnancy, there is a chance that not all costs associated with the birth will be covered. Be sure to ask!

How much does hospitalisation insurance cost?

Hospitalisation insurance can be tailored specially to your needs. You choose which costs you wish to have covered. Of course, you pay more for extra coverage. Most insurers offer a simulation tool on their website. This enables you to calculate the ideal formula for you. For example, take a look at the CM calculation tool!

Do I have to include my baby in my hospitalisation insurance after the birth?

After the birth, your newborn baby may automatically be covered under your hospitalisation insurance if you have been insured for a long enough time. Notify your health insurance company about the birth of your baby and request well in advance for your child to be included in your policy. 

A baby on the way? Get a starting amount before the birth of your little one.

Apply for the starting amount here
Additional Paternity leave days from 2023

Additional Paternity leave days from 2023

A baby on the way? As a father or co-parent-to-be, you’ll naturally want to spend as much time with your newborn baby as possible. Paternity leave enables you take some time off work following the birth. Read here all you need to know about paternity leave.
Paternity leave
How does the September statement affect your Growth Package?

How does the September statement affect your Growth Package?

Je hebt het misschien al horen vallen in de media. Het Groeipakket, de Kinderbijslag in Vlaanderen, was de hoofdrolspeler in de Septemberverklaring van de Vlaamse Regering.
Alles over de Septemberverklaring
My child is starting school for the first time.

My child is starting school for the first time.

You don’t know who is more apprehensive about that first day at school; you or your little one. Every child experiences their first day at school differently. Both the school and parents obviously play an important role in that experience. 
Financially too, the first day at school can have a big impact on the family budget. Fortunately, KidsLife is here to help with some simple budget tips and allowances for the first day at school. 
My child is starting school for the first time.