Optional subscription of family members of a subscribed staff member

Principle of subscription of the whole family

You are mandatory (automatically) subscribed to the policy

If you do decide to subscribe one insurable family member, all your insurable family members have to subscribe. There is one exception, namely when the insurable family member  already has comparable insurance coverage.

Do you wish to subscribe optionally to the policy as a staff member?

If you do decide to subscribe, all your insurable family members have to subscribe. There is one exception, namely when the insurable family member  already has comparable insurance coverage.

Which family members can be subscribed?

  • The spouse or life partner of the subscribed staff member who lives and resides at the same address and is in this way known to Ghent University and the insurance company
  • The unmarried children of the subscribed staff member or the subscribed partner of this staff member, who are either fiscally dependent from the subscribed person or who are entitled  to child benefits

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

  • On the same moment as your subscription in case the family members were already insurable at the time of the subscription of the staff member. Family members who were not yet insurable at the time of the subscription of the staff member, 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 3 months after the coming into existence of the right to subscribe
    • No qualifying period
    • Pre-existing conditions are guaranteed
  • In case the request for subscription is done after the period of 3 months after the coming into existence of the right to subscribe
    • Qualifying period of 3 months
    • Pre-existing conditions aren’t guaranteed
  • Qualifying periods expire and pre-existing conditions are guaranteed if the insured person can prove at the moment of the subscription that the insured person 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 accident after subscription
    • The consequence of an acute infection disease (namely rubeola, measles, chickenpox, scarlet fever, diphtheria, whooping cough, mumps, infantile paralysis, cerebrospinal meningitis, dysentery, paratyphoid fever, typhoid fever, spotted fever, cholera, smallpox, malaria, recurrent fever)
    • 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 insurance company.

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 is due per insurance year (from January, 1st up to and including December, 31st)
    • Premium per adult: 181,30 euro/year
    • Premium per child (younger than 18 years): 90,64 euro/year

This premium applies for a whole insurance year and includes all taxes and charges. The premium is yearly indexed with 3,6 % (the above-mentioned amounts are the amounts as from 1 January 2021 up to and including 31 December 2021).

  • The age that will be taken into account to fix the premium is the age on the latest anniversary preceding the due date of the premium.
  • For insured children who are in a situation of prolonged minority, the premium per child remains applicable regardless of their actual age. The insured person provides Belfius information on this subject.