June 25, 2026·6 min
Private room, pre-admission, post-hospitalisation costs… the criteria that really matter.
Hospitalisation insurance covers the costs of a hospital stay: room, fees, supplements and often the care before and after admission.
The main price factor is the room type: « private room » cover costs more but avoids sometimes very high fee supplements. A « shared room » lowers the premium.
Watch out for waiting periods and exclusions linked to pre-existing conditions. The best plans also offer cover for serious illnesses without a time limit.
Our AI compares the plans of the major Belgian health insurers (DKV, AG, Ethias…) for the best value for you and your family. Request your free quote today.