Take care of your insurance

Vanbreda Risk & Benefits has a strong reputation in the healthcare sector. Hospitals, hospital networks and other healthcare groups and their umbrella organisations have relied on us for their insurance, risk management and employee benefits for many years.


A niche approach with a dedicated team for the healthcare sector

Years of experience and expertise

Extensive client portfolio

Monitoring of legislative framework

Policy conditions and detailed clauses tailored to the sector

In-house claims management team for medical liability cases

Database with unique reporting system for benchmarking against peers

Our expertise in the healthcare sector

Vanbreda is a consultant and broker for hospitals, hospital networks and other healthcare groups and their umbrella organisations. We have a well-established position in the industry thanks to our extensive client portfolio and the special knowledge and commitment to the client and the sector as a whole. Where necessary, we assist with public procurement.

We specialise in the insurance of liability (both for hospitals and groups of liberal professionals within the medical profession), legal assistance, cyber and occupational accidents.

Extensive expertise in the sector

Close partnership

We work closely with management teams, boards of directors, medical boards and other bodies within the healthcare industry. Our personal approach creates a close partnership with our clients.

Tailor-made insurance solutions

We take the time to listen and to fully understand and identify the needs of your organisation. We work together with you to find the best insurance solutions and create customised policy terms and clauses that perfectly fit the needs of the organisation.

In-house claims management team for medical liability cases

Our in-house liability claims department guides, analyses and advises on claims. We review the nature, frequency and severity of claims and formulate preventive measures where appropriate. With this information, we strengthen our negotiating position with the insurer.

Unique reporting system

A unique reporting system allows us to benchmark hospitals and medical boards against peers. Not only is this information extremely valuable and interesting to the organisation, it also inspires our product managers to develop new insurance solutions and fine-tune existing products.

Independent advice

Vanbreda holds an independent position in the insurance market. As a broker and risk consultant, we know all the insurers. This enables us to negotiate the best terms.

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Let us give you peace of mind!

Vanbreda is both a broker and a risk consultant. We develop specialised insurance solutions for the healthcare sector and use our expertise to work out innovative solutions. Our insurance solutions are shaped entirely by this expertise and our broad view of the market.

Related insights


Guaranteed income: court rules that restrictions of cover for psychological disorders in collective insurance are discriminatory


Figures from the National Institute for Health and Disability Insurance (RIZIV) show that the number of Belgians who have been at home for more than a year due to burnout or depression has increased by 40 percent over the last four years. This is a worrying figure. It is becoming increasingly important for employers to arrange guaranteed income insurance for employees in the event that they become incapacitated for work. A recent court ruling on the restriction of cover from such insurance for psychological disorders has caused a stir within the insurance sector. We explain how this insurance works and the impact of the case in question.

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Self-employed people can extend guaranteed income insurance until the age of 67


The legal retirement age in Belgium is currently 65 years, but rises to 66 in 2025 and 67 in 2030. If you’re self-employed it therefore makes sense to also extend your guaranteed income insurance until the age of 67. This insurance has numerous benefits, including the guarantee that you will remain covered until the statutory retirement age against loss of income caused by an inability to work due to illness or accident. In the attached document we explain how you can easily extend your current insurance.

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Videopodcast — The ambulatory plan


What are the rules on the reimbursement of costs for dental care, new glasses or a scan? You can’t claim for these ‘ambulatory costs’ on your hospitalisation insurance, and your health insurance fund will only provide limited reimbursement. Because ambulatory costs can be high, 43% of Belgian employers now offer an ambulatory plan that covers these costs. In the latest episode of our video podcast, insurance expert Bert Van den Broeck talks about the importance and benefits of this insurance for employers and employees.

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Speed up reintegration with a suitable programme


According to the latest figures, our country has half a million people on sick leave. Work incapacity insurance with associated reintegration support is becoming increasingly common – and it’s effective, too. Up to seven out of ten incapacitated employees return to work after a reintegration programme, says Evelyne Lauwers, Expert Health Care at Vanbreda Risk & Benefits.

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