If you have to visit a doctor after an accident or end up in a hospital emergency ward, in principle you cannot claim against your hospitalisation insurance. The same applies to putting a broken foot or wrist in plaster. Your hospitalisation insurance reimburses you only when you are admitted to hospital and given your own bed. Are you not sure if it is an admission? Ask at the hospital.
Important detail: if you are on a biking holiday abroad and break your hand, your AG Employee Benefits hospitalisation insurance generally repays these outpatient costs. For this you do not need to be admitted to hospital: outside Belgium your insurance covers you for medical treatment for which you do not need to go to hospital.
Maybe your employer has taken out for you an outpatient care insurance in addition to the classical hospitalisation insurance. This insurance reimburses so-called 'outpatient' (or 'ambulatory') care, right through the year, even when you are not admitted to hospital. This includes visits to a general practitioner, dentist or dermatologist, or treatment by a physiotherapist, as well as medicines prescribed by a doctor.
Check with your employer whether you benefit from such outpatient care insurance. Where you do, you can submit your medical costs in the same way as with a regular hospital admission. If your outpatient care cover runs through AG Employee Benefits, you can submit these costs by email or by post.
More information about submitting your medical costs at AG Employee Benefits.