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Learn how to easily submit medical expenses with the Vanbreda Health Care App.

All your cards (such as your 010 number for Medi-Link and your AssurPharma barcode) are always available digitally via the Vanbreda App or the web portal. We don’t issue physical cards. Once you’ve logged into your personal profile, you’ll see your personal digital cards (and those of any linked family members) on the home screen.

Extra tips:

Medi-Link card (010 number) for hospitalisation
Your Medi-Link 010 number is linked to your hospital admissions.

Always report your hospitalisation first via the Vanbreda App or the web portal. You can then provide your 010 number to the hospital when you are admitted.

Are you unable to log in via the app or web portal, or are you reporting a hospital admission on behalf of someone else? You can also report a hospitalisation without logging in via app.vanbreda.be. On the website, under the heading ‘Continue anonymously’, select the option ‘Report a hospitalisation’. We’ll always confirm your Medi-Link number by email once we’ve processed your submission.

Your personal contribution (or copay) is a deductible that you must pay yourself for treatment or other expenses covered by your insurance policy. The amount of your personal contribution depends on the terms and conditions of your insurance. Depending on your policy, your copay is withheld either per policy year or per claim year (starting from the moment you submit your first claim or expense). Your personal contribution is deducted from the costs eligible for reimbursement until the maximum amount has been reached. The amount deducted as your personal contribution is always shown on the settlement note you receive from us. You can find a detailed overview of your maximum personal contribution in your policy terms.

AssurPharma is a joint initiative between Belgian pharmacists and insurers that handles the reimbursement of prescription medication in Belgium. Are you purchasing medicines from a pharmacy that are reimbursed by your hospitalisation insurance or outpatient care insurance? If so, your pharmacist will scan your personal AssurPharma barcode on your phone to automatically send us your BVAC certificate for reimbursement. You can then also immediately start tracking the reimbursement status of your costs online. You’ll find your AssurPharma barcode (and those of any linked family members) in the Vanbreda App.

A BVAC certificate is a standard document you receive from your pharmacist when purchasing prescription medication. With AssurPharma, you no longer need to request a paper BVAC certificate to submit for reimbursement. Simply have your pharmacist scan your personal AssurPharma barcode in the Vanbreda App and your BVAC certificate will be automatically sent to Vanbreda for reimbursement of your medication.

Not all of your medical expenses may be covered by your insurance policy. Below are a few common examples:

Restrictions or exclusions
Some costs are not reimbursed or are only partially reimbursed under your insurance plan. These include, for example, purely aesthetic cosmetic surgery procedures with no medical purpose.

Personal contribution (copay)
Your personal contribution is a deductible that you must pay yourself for costs covered by your insurance policy. The amount of your personal contribution depends on the terms and conditions of your insurance policy. Medical expenses below the threshold of your maximum personal contribution will not be reimbursed.

Limit amount
For certain reimbursements, a limit amount applies. Up to this set amount, you will be reimbursed for specific treatment or other medical expenses. Once this limit has been reached, you will have to pay any remaining costs yourself.

Non-medical expenses
Non-medical expenses are never covered by your insurance. Examples include items such as personal care products or Wi-Fi charges during a hospital stay: these are always paid by you. You can check your policy terms and conditions for full details of the expenses that are eligible for reimbursement.

Are you submitting your medical expenses online via the Vanbreda App or the web portal? Select the type of coverage that applies to your expense for smooth administrative processing and fast reimbursement.

Hospitalisation
Select the ‘Hospitalisation’ option in the app or web portal for all medical expenses related to a hospital stay. This includes, for example, your hospital bill, as well as costs incurred during the official pre- or post-admission period of your hospitalisation, such as medication, doctor’s visits and physiotherapy. Request your policy terms and conditions to check which costs are covered by your insurance plan and the duration of your official pre- and post-hospitalisation period.

Serious illness
Select the ‘Serious illness’ option in the app or web portal for all medical expenses related to a recognised serious illness (e.g. cancer or diabetes). Examples of related costs include medication, doctor’s visits, physiotherapy and care services. Request your policy terms and conditions to check which costs are covered by your insurance plan and which conditions are recognised as serious illnesses.

Outpatient care
Select the ‘Outpatient’ option in the app or web portal for all medical expenses that aren’t related to a hospital admission or a recognised serious illness. If you only have a hospitalisation plan with Vanbreda Health Care, outpatient expenses that are not related to hospitalisation or serious illness are typically not covered and do not need to be submitted. If you have an outpatient plan with Vanbreda Health Care, your insurance policy will reimburse certain outpatient expenses. Request your policy terms and conditions to see exactly which outpatient costs are covered by your insurance.

Reimbursement of your expenses is always calculated according to the terms and conditions of your insurance policy. Your insurance covers outpatient expenses that fall within the official pre- or post-period of your hospital admission and are directly related to your hospitalisation.

Outpatient expenses incurred outside this period (meaning those with a treatment or purchase date outside the covered period) cannot be submitted for reimbursement by your insurance – even if they are related to your hospital admission. You can find the duration of your pre- and post-period in your policy terms and conditions.

If your son or daughter is admitted to hospital, you may want to stay overnight with your child during their hospital stay. The stay of a relative in the room of a patient is called rooming-in.

Reimbursement of rooming-in depends on the terms and conditions of your insurance policy. If rooming-in is covered by your insurance plan, the reimbursed amount typically depends on the child’s age. There is often a restriction on the maximum number of days reimbursed or a maximum amount.

Does your policy cover rooming-in? Then submit your child’s hospital invoice, showing the rooming-in charges. Separate bills or invoices – for example, for hotel accommodation in the parent’s name – will never be reimbursed.

Non-medical costs are not reimbursed by your hospital insurance. Examples of non-medical expenses include personal care products or the cost of a partner’s stay in your room (rooming-in) during hospitalisation. You’ll find full details of eligible costs for reimbursement in your policy terms and conditions.