Get more out of your salary with the outpatient care insurance Ambuflex


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.

1 person

Ambuflex – basic ‘Outpatient Care’ cover

Maximum annual net reimbursement by insurer

EUR 250

Annual gross premium

EUR 281.65

Corresponding Cash Payment

Annual gross cash payment

EUR 281.65

Employee social security contribution (13,07%)

– EUR 36.81

Income tax (48%) on taxable earnings

– EUR 117.52

Annual net cash payment

EUR 127.32

So, if you spend more than EUR 127.32 per year on outpatient costs, you will really benefit from choosing  for Ambuflex. It allows you to enjoy an annual net reimbursement of up to EUR 250 , while it actually only costs you EUR 127.32 !

On the private insurance market, this net budget will not cover the premiums for an 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 – ‘Optical & Dental’ extension (simulation per affiliate)

Maximum net reimbursement by insurer during the first year of affiliation (*)

EUR 500

Annual gross premium

EUR 216.15

Cash payment

Annual gross cash payment

EUR 216.15

Employee social security contribution (13.07%)

– EUR 28.25

Income tax (48%) on taxable earnings

– EUR 90.19

Annual net cash payment

EUR 97.71

The same logic applies as for the basic ‘Outpatient Care’ coverage: if you pay more than EUR 97.71 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 01/01/2022.

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. 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.

Convinced of the advantages of Ambuflex?

Make your choice and your personal premium calculation in your flexible reward system.