Optional subscription as member of personnel

Principle of subscription of the whole family

If you 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.

When to subscribe and which qualifying periods are applicable?

  • The subscription can be done on the first of the month following or coinciding with the commencement of employment. 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), you 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 and pre-existing conditions are guaranteed 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 (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

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. 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).