We give below the procedure at AG Employee Benefits, but other insurers use a similar approach.
If you learn that you are suffering from a serious illness, you would be advised to take time to let things settle.
- Application and activation
Once you are over your initial emotions, you should start the application process as soon as possible to activate the critical illnesses cover. Click here to find out how.
- (One-day) hospitalisation
Does your treatment for a critical illness require a hospital stay (e.g. for chemotherapyor kidney dialysis)? It’s a good idea to report the admission to AG Employee Benefits as soon as possible. You’ll get your money back in just a few simple steps, whether it’s for a day-care admission or an inpatient stay.
- End of the cover
The insurance cover ends when the medical report shows that you are cured and there are no more signs of the illness.
If the illness returns after a time, the critical illnesses cover can be reactivated. In that case, the above procedure is repeated.
How do you request the reimbursement of your medical expenses?
You can collect all medical expenses (invoices, certificates,...) in connection with your critical illness and submit them for reimbursement. These can be hospital bills, but also the purchase of medicines or a treatment by a specialist. For a smooth handling of your file, the best thing is to gather your invoices and receipts and submit them 2 times a year. In this way you are reimbursed quickly and you keep track of the costs submitted.
Tip: you can ask your sickness fund for a list of the medical costs you have incurred both online and at their branch office.