Optional subscription of family members of members of personnel (as from 2017)

Principle of subscription of the whole family

As an automatically subscribed member of personnel, you can choose not to extend the subscription to the hospitalisation policy to your family members. If you do decide to subscribe a family member, then all your insurable family members have to subscribe. On this rule, there is one exception, namely when the insurable family member  already has comparable insurance cover.

Members of personnel who can subscribe optionally and wish to subscribe themselves, have to subscribe their insurable family members. On this rule, there is one exception, namely when the insurable family member  already has comparable insurance cover.

Which family members can be subscribed?

  • the spouse or life partner of the subscribed person who lives and resides at the same address and is in this way known to UGent and the insurer;
  • the unmarried children of the above-mentioned subscribed persons, who are either fiscally dependent or who are entitled  to child benefits.

When to subscribe my family members and which qualifying periods are applicable?

  • The subscription can be done on the same moment as your subscription in case the family members were already insurable at the time of the subscription of the member of personnel. For subscriptions of which the request is done within three months after the coming into existence of the right to subscribe, there is no qualifying period. In this case pre-existing conditions are guaranteed.
  • Family members who were not yet insurance at the time of the subscription of the member of personnel, can subscribe at the time that they acquire the right to subscribe (for instance through marriage or birth). For subscriptions of which the request is done within three months after the coming into existence of the right to subscribe, there is no qualifying period. In this case pre-existing conditions are guaranteed.
  • Afterwards, (after the period of three months after the coming into existence of the right to subscribe), the family members can subscribe to the hospitalisation policy as follows: at any time, but taking into account a qualifying period of three months. Pre-existing conditions aren’t guaranteed.
  • Qualifying periods expire if the insured can prove at the moment of his/her subscription that he or she had another hospitalisation insurance up to the day of subscription to the collective hospitalisation policy of Ghent University.
  • Qualifying periods are not applied in case of claims that are:

*the consequence of an acute infection disease;

*the consequence of an accident after subscription;

*with regard to newborn children on the condition that the rest of the family is already subscribed to the policy for six months on the birth date of the newborn.

  • Membership commences the first day of the month following or coinciding with the receipt of the request by the insurer.

How to apply?

  • Fill in a request form.
  • Send the request form to .
  • Belfius will send you an invoice for the payment of the premium.


How much is the premium?

Per insured person and per insurance year (form January, 1st to December, 31st):

  •  premium per adult: 168,92 EUR/year
  • premium per child (younger than 18 years): 84,46 EUR/year

The age that will be taken into account to fix the premium, will be the latest anniversary preceding the renewal date of the premium.

This premium applies for a whole insurance year and includes all taxes. Form the fourth insurance year, more specifically as from January, 1st 2020, the premiums will be raised on a yearly basis with 3,6%.