Frequently asked questions

Am I covered abroad? Can I automate my payments? Is there a waiting period? We have the answers.

  • How do I sign up?

    Fill in and sign the application form.
    Complete a medical questionnaire for each person to be insured.
    Send us all documents by email to info@eurprivileges.com or by post to:
    Cigna Eurprivileges
    Plantin en Moretuslei 299
    2140 Antwerpen
    Belgium

  • Do I have to become a member of AIACE?

    Yes, since this hospitalisation insurance plan is part of a group contract concluded with AIACE, it is compulsory for you to become a member of this organisation. Please visit the website.

  • I am not retired yet. Can I sign up already?

    Yes, you can sign up at any moment before retirement. However, the hospitalisation insurance with AIACE can only start at the earliest six months before retirement.

  • Am I still covered by the JSIS in case of accident after my retirement?

    Yes, you are. However, you are no longer covered at 100% as the JSIS refunds 80% to 85% of the medical costs incurred following an accident. The capitals for death and disability after an accident are no longer covered. Please take a look at our accident insurance plan for retired EU officials.

  • Can I cover my spouse?

    Yes. Your spouse can be covered until the age of 67. Your spouse doesn’t necessarily need to choose the same option as you do (Major Risks with/without accident cover). Each of you can simply choose the option that best suits your needs.

  • Am I covered abroad?

    Yes, you are. The coverage is valid worldwide after the first reimbursement of the JSIS.

  • Can I pay the premium on a monthly basis?

    No, this is not possible. The premium must be paid fully in one annual payment.

  • Can I pay by direct debit?

    Yes. Please send us the SEPA direct debit form by post. We need the original, signed document. Copies are not valid!
    Important: please be informed that this is only valid for future payments.

  • What happens when the payment by direct debit fails?

    In this case, you will have to pay the premium by bank transfer. We will send you a request for payment at the beginning of the following month.

  • I wish to cancel the coverage for my spouse. Do I have to pay the requested premium or will I receive a new premium request?

    You can proceed with the payment of the amount indicated on the premium request. The overpayment will be reimbursed to you afterwards. Please inform us in writing of the bank account details for this reimbursement.

  • How can I claim?
    1. Prepare the following supporting documents:
      • the JSIS settlement note
      • copies of the invoices for outpatient costs incurred 2 months before and 6 months after the hospitalisation.
    2. Download the claim form.
    3. Complete it and sign it.

      In case you wish to communicate new bank account details, please complete the section ‘Payment information’.

    4. Submit the claim form together with all supporting documents:
    5. You can consult all your settlement notes online (after activation of the service) on your webpages.
  • How do I sign up?
    1. Fill in and sign an application form.
    2. Complete a beneficiary form for each person to be insured.
    3. Send us all documents by email to info@eurprivileges.com or by post to:

      Cigna Eurprivileges
      Plantin en Moretuslei 299
      2140 Antwerpen
      Belgium

  • Do I have to become a member of AIACE?

    Yes, since this hospitalisation insurance plan is part of a group contract concluded with AIACE, it is compulsory for you to become a member of this organisation. Please visit the website.

  • I am not retired yet. Can I sign up already?

    Yes, you can sign up at any moment before retirement. However, the insurance will only start at the moment of your retirement.

  • Can my children sign up too?

    No. Only EU officials and their spouses can sign up.

  • Am I still covered by the JSIS in case of accident after my retirement?

    Yes, you are. However, you are no longer covered at 100% as the JSIS refunds 80% to 85% of the medical costs incurred following an accident. The capitals for death and disability after an accident are no longer covered.

  • What is considered as an accident?

    According to the policy, an accident is defined as ‘any unexpected event that harms the physical or psychological integrity of the insured party, of which the cause or one of the causes is outside the victim’s body.’
    For example: a car accident or a wrong step on the stairs, as these events are linked to an external cause.
    An illness is not considered as an accident, as it is linked to an internal cause.

  • Is repatriation covered?

    No. The Accident insurance covers only covers medical expenses related to an accident. This means that repatriation is not covered. However, we offer repatriation coverage as part of our travel assistance plan.

  • Who can I indicate as beneficiary of the death capital?

    This is completely up to you. You may indicate more than one beneficiary. The beneficiaries can be changed at any time, provided that you inform us in writing.

  • Can I keep this insurance when I move to another country?

    Yes. The accident insurance provides you with a worldwide cover.

  • I already have a hospitalisation insurance plan with AIACE. Can it be combined with this accident insurance?

    Yes. If you wish to benefit from a large accident cover, we advise to combine your insurance with the separate accident insurance. We can help you to look for the most appropriate solution and invite you to contact us to find a tailor-made solution.

  • What are the differences between the cover offered by this separate accident insurance (policy number 719.757.143) and the cover offered as part of the hospitalisation insurance (policy number BCVR8673)?
    Hospitalisation insurance - Major risks with accident cover
    (policy number BCVR8673)     		Separate accident insurance
    (policy number 719.757.143)
    Hospital expenses due to an accident 100% reimbursement of the part not reimbursed by the JSIS

    Ceilings may apply     		100% reimbursement of the part not reimbursed by the JSIS

    No ceilings
    Outpatient medical expenses due to an accident 100% reimbursement of the part not reimbursed by the JSIS if the outpatient medical expenses are related to a hospitalisation by the JSIS

    2 months before and 6 months after hospitalisation     		100% reimbursement of the part not reimbursed by the JSIS
    No limit in time
    Death/disability Not covered Covered
  • What do I have to do when I have an accident?
    1. Send us the duly completed Statement of accident and Medical certificate forms within 15 days of the accident date to benefits@cigna.com.
    2. Once we have informed you that the accident is accepted, you can send us the JSIS settlement note together with a copy of the invoices. Therefore, it is essential that you make copies of the invoices before sending them to the JSIS. You will receive a confirmation from us once the payment has been made.
  • Who can sign up?

    DKV Home Care is available to EU officials and their spouses and children provided they are residents in Belgium. You need to be an Afiliatys member and no older than 69 years old (no older than 65 for the Exo option).

  • How do I sign up?
    1. Fill in and sign the application form.
    2. Complete a medical questionnaire for each person to be insured.
    3. Send us all documents by email to info@eurprivileges.com or by post to:
      Cigna Eurprivileges
      Plantin en Moretuslei 299
      2140 Antwerpen
      Belgium
  • Is there an age limit to subscribe?

    Yes you have to be no older than 69 to subscribe to this insurance. For the option Exo the entry age is limited to 65 years.

  • What is the Exo option?

    Thanks to the Exo option, you will be exempted from payment of the DKV Home Care premium from the age of 65, in case of monthly allowance for residential care.

  • Do all family members need to sign up for the same option?

    No. Each family member is free to choose the most convenient option for himself/herself.

  • Am I covered abroad?

    The coverage is valid in the European Economic Area (EEA).

  • Can I pay the premium on a yearly basis?

    Yes, this is possible and even beneficial to you as it entitles you to a 3% discount. You can also pay your premium each month, each quarter or twice a year (2% discount).

  • Can I pay by direct debit?

    Yes. Please send us the SEPA direct debit form by post.
    Important: please be informed that this is only valid for future payments.

  • What happens when the payment by direct debit fails?

    In this case, you will have to pay the premium by a bank transfer. We will send you a request for payment at the beginning of the following month.

  • When can I benefit from ‘care in kind’?

    You can benefit from ‘care in kind’ after a hospitalisation of at least 1 night, and for the number of hours specified in the selected plan option.

  • What is considered as ‘care in kind’?

    By ‘care in kind’ is meant: non-medical support services at home such as homemaker, cleaning etc.

  • Can I choose my own care provider?

    Support services can only be performed by a professional recognised by DKV.

  • How can I contact DKV to benefit from ‘care in kind’? How does it work?

    DKV takes care of the organization, administration and the financial charges associated with your care after at least 1 night hospitalisation.

    Simply Ccontact DKV’s service @home by phone at +32 (0) 78 35 37 39 and communicate your registration number (policy number and number of the insured person on the policy). DKV’s professional staff will develop with you a care plan that answers your specific needs, for the number of hours specified in the option you selected.

  • How can I request the monthly allowance for home care or residential care?

    In the event of a serious and sustained loss of autonomy you’ll receive a guaranteed monthly allowance for care give at home or residential care.

    Here’s how you can request the monthly allowance:

    1. Download the claim form.
    2. Complete it and sign it. In case you wish to communicate new bank account details, please complete the section ‘Payment information’.
    3. Submit the claim form together with one of the accepted certificatscertificates that in order to proves the serious and sustained loss of autonomy by email to claims083@eurprivileges.com or by post to:
      Cigna
      MCC 083
      Plantin en Moretuslei 299
      2140 Antwerpen
      Belgium