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The benefits of the new addition to the cafeteria plan via the 13th month
The traditional cafeteria plan has recently been enhanced with a unique new feature: coverage for outpatient costs, in addition to hospitalization insurance. This new coverage is financed through the 13th month salary.


What makes this insurance unique?
- Available from 1 employee: Even small companies can benefit from this coverage.
- Optional participation: Employees can choose whether to participate.
- Family inclusion: Family members can also be covered.
- No waiting periods: Immediate access to benefits without waiting times.
- No medical formalities: No need for medical examinations or questionnaires.
Coverage Includes:
- Dental care
- Optical care
- Other outpatient costs: such as medical services, physiotherapy, analyses, imaging, prostheses, and medications.
Why outpatient coverage?
Research shows that 82% of employees currently have hospitalization insurance, while only 5% have outpatient coverage. Many expenses that are still privately borne are outpatient costs, averaging €570 per year per Belgian. This coverage offers an ideal solution in the "war for talent" by providing an extra benefit that can make a significant difference for employees and their families.
Benefits in numbers
In the example provided, a reimbursement ceiling of €300 per family per year is used, but other ceilings up to a maximum of €1,800 are also possible. This allows employers to offer something unique and cost-free, which can make a world of difference for their employees.

For more information, you can contact Van Dessel at 03 482 15 30 or via email at leven@vandessel.be.