Mi sono imbattuto in questa notizia e sono rimasto scioccato! Pensavo che gli ospedali in Belgio fossero quasi gratuiti a causa delle tasse eccessive che i cittadini pagano qui.
Sai se le notizie mostrano solo valori anomali? È vero che le donne devono pagare per partorire? Gli ospedali in Belgio non sono pubblici? Non capisco, è come il modello USA nonostante le tasse pesanti?
https://www.brusselstimes.com/belgium/2103958/over-e10000-for-a-hospital-stay-when-the-bill-threatens-to-make-you-ill
di SirPractical7959
6 commenti
healthcare in general is relatively cheap, there are some treatments which cost a lot (because they are very expensive) or because they are not necessary (think certain plastic surgeries for example), and there’s also private clinics which are just expensive.
Medical bills in Belgium are made up of up to three parts: legal honorarium, honorarium supplements ( « ereloonsupplement/supplement d’honoraires » ) and co-payments (“remgeld/ticket modérateur”).
Medical professionals are either geconventionneerd/conventionné.es or niet-geconventioneerd/non-conventionné.es. This means they have agreed to the rates set by the Belgian government/they follow the so called “convention”. If they don’t follow the convention, you’ll always pay a supplement. Otherwise it’s just the
Your health insurance fund/mutualité (or CAAMI/HZIV*) pay back the legal honorarium. Copayment is always for the patient, but it’s a small amount. And if the doctor doesn’t adhere to the legal convention, patient also pays for the supplements which the doctor is free to decide how much those are.
Eg: GP costs 26 euros but from those you only pay 4.
Pediatrician (conventionné) costs 52 euros but patient only pays 12.
Pediatrician (non-conventionné): patient pays 12 euros + 30 euros supplement. Doctor is paid 82 euros.
/* mutuality is kind of obligatory, if you don’t join one you’re automatically signed up for CAAMI/HZIV, but hospitalization insurance isn’t. Though most people get hospi insurance from work.
—— now with that bit of background knowledge:
The person in the article had no hospitalization insurance and asked for a private room. Doctors are free to charge as much as they want in supplements then. Most insurers only cover up to 300% of those supplemental costs so it’s always important to ask the hospital what the % will be.
In 2-p or shared rooms there’s a cap to how much the supplements can legally be iirc.
I don’t understand why people don’t get insurance, it’s really not expensive in Belgium. We have the single room one and I think it’s around 30 euros pp pm, if you get the basic one that only covers 2-person or shared rooms it’s even cheaper.
There is a thing called “maximumfactuur” though, once you reach a certain threshold all necessary medical interventions become free essentially; copayment (part you pay yourself) is fully paid back.
I didn’t have to pay anything to give birth neither have any of my friends, but all of us are insured.
Base service is almost free, supplements (like a single room) can be very expensive.
My mom’s 1 month long stay after her brain surgery was only 1500 euros.
Her insurance (which only costs her 30 euros/month) caps her total yearly healthcare expenses to 500 euros so she got back a bit over 1000euros.
If she had chosen a single room, the stay would have cost over 8k, which her insurance would not have covered.
My grandfather stayed 3 weeks in the hospital following his infarctus and the bill was about 2k euros. I don’t know how much his insurance refunded him but it was most likely close to the entire sum.
When my wife gave birth, her week long stay was about 400 euros, which was entirely refunded by our insurance (15euros/month to cover the entire family), then we got a 800 euros payment from the country and our insurance also gave us the choice between receiving 300 euros or a 400 euros voucher to buy diapers and other baby necessities.
The same 15 euros/month insurance also refunds 75 euros per year and per woman in the family for tampons/sanitary pads by the way. This brings down the total cost of my insurance to 30 euros per year to cover my entire family.
If you don”t have a healthinsurance that covers singleroom, for your own good don’t take a single room. That’s the difference between paying only 200 euro and 4000 euro
I had a reduction, insurance didn’t cover it because I did not remove enough. (I couldn’t) but those measurements do not take my length into account.
It was necessary for my back.
It was €4000.
I also have to pay for my adhd meds, every month €100.
Others do get paid back a lot. So that’s nice but you need to be lucky.
For me, healthcare taxes are a joke unless you are lucky to have something within the things that are paid back. But it could be worse like America.
Ragebait? The guy had no hospital insurance and took a single room.