What is meant by a non-occupational health insurance contract?

If you took out a health insurance contract or a disability insurance contract on an individual basis for yourself and/or your family members, then it can be referred to as a non-occupational health insurance contract.


Please note! The following does not fall into this category...

Any health insurance contract which is concluded by one or more policyholders for the benefit of one or more persons professionally linked to the policyholder(s) at the time of affiliation, such as, for example, the "group" insurance that your employer takes out on your behalf. If you benefit, thanks to your company, from a health insurance contract, free of charge or with a reduced contribution, the following rules do not apply.

Can the insurer change your premium, benefit or excess?

Yes, in the following cases:

If the contract contains an indexation clause, your insurer may index the premium, excess and cover, or any of them individually, on the basis of:

  • either the consumer price index;
  • or one or more specific indices (medical indices) to the costs of services covered by private health insurance contracts, if and insofar as the evolution of that index or indices exceeds the evolution of the consumer price index;

When can the modification be applied?

The premium, excess and/or cover can be adapted on the annual expiry date.  Your insurer must inform you of the modified indexation method and its terms and conditions by means of a notation on the expiry notice.

Last update
15 December 2020