The Belgian health fund (mutuelle/mutualiteit) reimburses part of your medical costs, but a hospital stay can quickly leave you with a high out-of-pocket balance, especially in a private room. Supplementary hospitalisation or health insurance protects you against these unexpected expenses.
LC Credins compares the available formulas for you and clearly explains what is reimbursed, up to which ceiling and with which deductible.
What this solution covers
- Hospitalisation costs, in a shared or private room
- Pre- and post-hospitalisation costs
- Serious illnesses and long-term treatments
- Outpatient care (consultations, physiotherapy) depending on the formula
- Dental and optical care as an option
- Cover while staying abroad
Who is it for?
Our solutions suit single people, families with children, self-employed people without group insurance through an employer, and seniors who want to keep good protection.
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your health insurance, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card and, if applicable, your current contract. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
What is a waiting period?
It is the period after you take out the policy during which certain benefits are not yet covered. We compare these waiting periods between insurers.
Are my pre-existing conditions covered?
This depends on the insurer and your medical declaration. We guide you towards the offers that are most favourable to your situation.
I have insurance through my employer — is that enough?
Not always. We review your group policy and check whether it is worth topping it up or arranging individual continuation cover.
Can I insure my whole family?
Yes, most contracts allow you to add your partner and children, often with a reduced rate for children.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.