The Private Health Insurance benefit allows a worker to be reimbursed for premiums they have already paid for an individual health insurance policy taken out in their own name with an authorised Belgian insurer.
This may include:
hospitalisation insurance;
supplementary outpatient coverage;
private dental insurance.
This benefit can be activated in a Cafeteria Plan or a Bonus Plan.
💡 It is different from the Collective Health Insurance Extension, which concerns people added to the employer's collective insurance.
⚙️ Activating the benefit
To make the benefit available to workers:
1️⃣ Go to Budgets → click on the relevant budget
2️⃣ Click on Action → Edit the budget.
3️⃣ Activate the Private Health Insurance service.
4️⃣ The benefit then appears in the Health Insurance submenu of the relevant workers' account.
Private Health Insurance and the Collective Health Insurance Extension can be activated simultaneously. They will then appear as two separate options in the worker's account.
📝 Managing a reimbursement request
The worker submits their request directly in RewardFlex. They must provide:
proof of payment (bank statement);
the first page of the insurance policy, including:
the policyholder's identity;
the type of coverage;
the insurer's contact details.
Eligible premiums must have been paid during the current calendar year or the previous calendar year.
Future premiums cannot be reimbursed. A premium that has already been reimbursed during a previous period cannot be submitted a second time.
✅ Validating a request
1️⃣ Review the request submitted by the worker.
2️⃣ Check the information and documents provided.
3️⃣ Check that the premiums concern the current calendar year or the previous year.
4️⃣ Approve or reject the request.
The approved amount is deducted from the worker's available budget.
💶 Impact on the budget and payroll
No specific limit needs to be configured for this benefit. Only the amount actually paid by the worker can be reimbursed.
✅ After validation:
the amount is deducted from the worker's budget;
the expense is included in the payroll export;
the reimbursement is processed via the worker's payslip.
💬 Any questions?
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