If you have been hospitalised, you will need to report the admission to AG Insurance, ideally in advance:

• Is it for an overnight hospitalisation, see "An overnight hospitalisation."​
• for a one-day hospitalisation, see "One-day hospitalisation."
• or a hospital stay abroad, see "Hospitalisation abroad."​

Already reported your hospital admission? Then skip to Step 2.

Report your illness to AG Insurance. You can easily do so online. Our medical department will then request your medical file including the diagnosis, the date of diagnosis and the recommended course of treatment.

You already have a medical file? Then skip to Step 2.

• ​Pre-admission

  Your hospital plan covers the cost of medical treatment and services, such as pharmacy expenses and doctors' appointments, in the period leading up to the hospitalisation. Depending on the type of plan you have, this period is either 1 or 2 months.

• During your hospital stay

  It goes without saying that your hospital plan covers your hospital bill. If your plan comes with Medi-Assistance, our third-party payer agreement, your hospital bill will be sent to AG Insurance and settled with the hospital directly. You will then receive an account statement at a later date: any non-covered costs will be deducted from your refund for pre-admission/post-discharge medical expenses. If you don't have Medi-Assistance, you'll receive the hospital bill by ordinary mail which you can then send to us for a refund along with proof of payment for other medical expenses.

• Post-discharge

  Once you've been released from the hospital, you may require additional treatment to support your recovery. Your hospital plan covers medical treatment and services for a period of time once you've been discharged. Depending on the type of plan you have, this period is either 3 or 6 months.

Be sure to save all hospital bills, doctors' bills and pharmacy receipts!

Tip: For your convenience, your Sickness Fund can provide you with a statement of all medical expenses incurred.

Recently been to see your doctor, the dentist or another specialist? Or loaded up on prescribed medication to fight off the flu? When these expenses are unrelated to a hospital stay, your hospitalisation plan will not cover the costs. You are, however, entitled to a refund through your outpatient care plan. If your corporate-sponsored healthcare plan also includes outpatient of coverage, you can claim a refund for your medical expenses year-round.

Have a corporate-sponsored plan that includes outpatient care coverage? If so, then you can send in your medical expenses year-round for reimbursement.

Please note: medical expenses for the treatment of a serious illness (eg. cancer) are reimbursed throughout the year by your classic hospitalisation plan, even without hospital admission or outpatient care coverage. Be sure to save all hospital bills, doctors' bills and pharmacy receipts!

Rather send in your expenses by ordinary mail?

Feel free to combine multiple bills and receipts in a single envelope. Please also return the completed claim form below.

​​Haven't yet reported your hospital stay to AG Insurance?

Fill out this document and attach it to the web form or letter you send us.

Once your medical expenses have been processed, your account administrator will issue you an account statement. This way, you can quickly and easily see which costs are covered and which are not.