e TATE | Insured risks : illness - accident - childbirth Hospitalisation (accomodation + medical expences) Free choice of hospitalisation centre, doctor and type of room. ‘The ambulantary medical expenses during 2 period of 6 days before and 180 days after hospitalisation ‘The ambulantary medical expenses incase of 27 serious illnesses cancer, leukaemia, Parkinson & Hodgkin disease, Pornge disease, Crohn disease, Alzheimer disease, AIDS, diabetes, tuberculosis, multiple sclerosis, amytrofic lateral sclerosis, cerebrospinal meningitis, paiomyelits, progressive ‘muscledystrotie, hepatitis, malaria, pox, typhoid & paratyphold fever, encephalitis, tetanus, cystic fbresis, haemodialysis Giphtera, cholera, anthrax, ‘transport by ambulance in Belglum ‘transport by helicopter in Belgium from the spot of an accident to an hospitalisation centre, provided ths transports madicaly compulsary and no other means of transports suited palliative costs are reimbursed ‘medical costs due to amateur sports are covered Inpatient accomodation expenses of a donor max. 1.250 euro (no pre- en posthaspitallation costs) rooringcin [presence of a parant with s child younger than 18 years) mortuary costs (which are included in the invoice of the hospiatal) ‘The costs of materity care after a childbirth, within the limits ofthe agreements established between the maternity care institution and the insure. ‘One day cine Reimbursement of allin patient medical expenses, provided accomodation expenses have been charged ‘One day hospitalisations are reimbursed ifthe hospital charges one night-stay. Percentage of reimbursement ‘As son as the HVK (Hulpkas voor Zeevarenden) intervenes in the accommadation expenses af a hospitalisation, DKV reimburses up to 100 % of all hospitalisation expenses which are sil te be borne by the patient, DKV reduces its intervention by $0 % when there is no reimbursement, Deductible aa = ‘The deductible amounts to 75,00 euro per insured person, per insurance year. The deductible ls not applicable to the coverage out-patient costs in case of serious diseases “Conditions of affiliation The affiliation is compulsory for all employees. ‘The affiliation is optional for their dependants. Ian employee wishes to insure the dependants, he has to insure all his dependants. For persons whose affiliation is not registered within the two months following the occasion granting coverage, the insurance guarantee will start as from the fist day of the 13 th month following the receipt by the insurer of the ‘coverage application. The insurable dependants are : the spouse or the cohabiting life partner and the fiscally dependent children who are affliated to the "Hulpkas van de Zeevarenden -HVK": Every change in your family situation should be noticed to the personnel department. aes. 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