Simulation Ambuflex Plus
Get more out of your salary with the outpatient care insurance Ambuflex Plus
When you opt for this outpatient care insurance via your flexible remuneration package, you will enjoy the benefit of paying your insurance premium with your ‘gross cash payment’.
This part of your salary will not be liable to any social security contribution or income tax.
Below is a detailed overview for your specific family situation:
How Many Family Members In Your Family, Including Yourself?
If you choose to subscribe only yourself, please make the simulation for 1 person.
|Ambuflex Plus – basic ‘Outpatient Care’ cover|
|Maximum annual net reimbursement(*) by insurer||280.00 EUR|
|Annual gross premium||315.45 EUR|
|Corresponding Cash Payment|
|Annual gross cash payment||315.45 EUR|
|Employee social security contribution (13.07%)||-41.23 EUR|
|Income tax (48%) on taxable earnings||-131.63 EUR|
|Annual net cash payment||142.59 EUR|
(*) This is one ceiling per family and therefore for all affiliates together.
So, if you spend more than EUR 142.59 per year on outpatient costs, you will really benefit from choosing for Ambuflex Plus. It allows you to enjoy an annual net reimbursement of up to EUR 280.00 while it actually only costs you EUR 142.59 !
On the private insurance market, this net budget will not cover the premiums for a more comprehensive outpatient care insurance. Moreover, joining an individual insurance scheme often involves medical formalities and waiting periods.
Get Even More Out of Your Ambuflex Plus With the ‘Optical & Dental’ Extension:
|Ambuflex Plus – ‘Optical & Dental’ extension (simulation per affiliate)|
|Maximum net reimbursement by the insurer per affiliate during the first year of affiliation(*)||500.00 EUR|
|Annual gross premium||234.18 EUR|
|Annual gross cash payment||234.18 EUR|
|Employee social security contribution (13.07%)||-30.61 EUR|
|Income tax (48%) on taxable earnings||-97.71 EUR|
|Annual net cash payment||105.86 EUR|
The same logic applies as for the basic ‘Outpatient Care’ coverage: if you pay more than EUR 105.86 per year on outpatient dental care, you will really benefit from choosing for the ‘Optical & Dental’ extension of Ambuflex Plus.
(*) You will benefit even more in case of a continuous affiliation since you will enjoy a higher reimbursement for dental care in the second year of affiliation (EUR 1,000.00) and from the third year of affiliation onwards (EUR 1,500.00).
These calculations are simulations. No rights may be derived from these examples.
Annual premiums and ceilings valid as from 01/01/2023.
The simulations take into account a progressive tax rate of 45% (or 48% including municipal taxes) applicable to a taxable income up to a maximum of EUR 41,360.00. In excess of this amount, the tax rate increases to 50% (or 53.50% including municipal taxes) and your income is thus taxed higher, which further increases the financial benefit of Ambuflex Plus.