A gap in the market
There is no Belgian insurer or health insurance fund yet that offers guidance at home after cancer and measures the result. This is new to the market.
Calculator for insurers and mutualities. What does it bring you?
Insurer: enter your number of insured people, your claim duration and what a month costs. Mutuality: enter your share of Belgian members. The calculation shows next to it, step by step. No email address needed, and your figures are never stored.
We are a
claims
%
months
euro per month, on top of RIZIV
weeks
Default 13 weeks: reintegration, exercise and mental wellbeing together.
Your result, step by step
What cancer costs you now, per year
€7,752,000
What you could save per year, for all participants together
€610,155
That is 7.9% of what cancer costs you now.
At 6.5 to 19.5 weeks shorter: €301,725 to €911,880 per year.
- 1.Cancer claims per year1,000
4,000 patients × 25% with income protection
- 2.Cost per day€13.41
€408 × 12 / 365
- 3.What cancer costs you now€7,752,000
1,000 claims × 19 months × €408
- 4.Value per claim€1,220.31
91 days shorter × €13.41
- 5.Per year€610,155
1,000 claims × 50% take part × €1,220.31
We count only your top-up above the statutory benefit. The RIZIV benefit is not the insurer's money.
Every figure comes from you or has its source at the field itself, under “Why this figure?”.
Shall we go through your €610,155 per year together? 20 minutes, online.
Suggest a time by emailOr leave your detailsA scenario, not a promise. RevOnc claims no effect of its own on claim duration, claims cost or return to work.
View or adjust our assumptions
Change them if you know better.
- Guidance starts in month6 monthsRevOnc assumption→ step 3
Why this figure?
Guidance at home usually starts only after treatment and hospital rehabilitation. How many months into your claim that is depends on the treatment and on your waiting period. Only the duration that remains after that can get shorter. Example value 6 months, on our assumption. - Claims that take part50%RevOnc assumption→ step 4
Why this figure?
Not everyone with a cancer claim chooses guidance. Only those who take part count towards the yearly amount. Example value 50%, on our assumption. - Participants with an active claim60%RevOnc assumption→ step 5
Why this figure?
Do you also offer guidance to people still in the waiting period or still working? Then not every participant has an active claim, and only those participants produce a saving. Example value 60%, on our assumption.
What we do and do not count
- Only your top-up counts, not the statutory benefit. We leave out premium waiver in group pension plans and your handling cost per claim, so the value is more likely understated than overstated.
- Only the duration after guidance starts can get shorter.
- The number of weeks shorter is your scenario, not a measured RevOnc effect.
- Every day shorter is worth the same here. In reality, keeping someone out of invalidity after the first year weighs more than an average reduction.
- Per claim the saving happens once: less top-up paid, which in your books is a reserve released earlier, often the following year. The yearly amount applies to each year's new claims for as long as guidance runs.
- The saving only lands when a claim ends. We do not discount.
- The last weeks of a claim are often a partial return to work, when your top-up is lower. If you know your average top-up in that phase, enter that amount.
- The share that takes part and the share with an active claim are assumptions. They move the yearly amount a lot; enter your own figures.
The link holds only the figures you entered, no name or email address.
More than a saving.
In 2024 the loss ratio in income protection was 81.6% and the technical result -5.3% of earned premiums (Assuralia). Only the top-up you pay on top of the statutory benefit is your own cost. That is what we calculate with.
Your answer to the reintegration duty
Since 1 January 2026, employers with at least 20 staff must start a reintegration trajectory no later than 6 months after the incapacity began, once work potential has been established. This applies to incapacities that begin on or after that date. While treatment is ongoing, the occupational physician may judge that reintegration is not yet appropriate. Guidance at home does not replace that trajectory but can run alongside it. For a group policy, that is a concrete story for employers.
Live without an IT project
Participants sign up themselves with a code. You receive only aggregated results, never data on an individual participant. App data is never used for underwriting or pricing.
Under your own name
Guidance after cancer that you offer yourself gives brokers and employers a concrete story about your policy.
Work it out together with your figures?
We are happy to go through the scenario with you, using your own claim duration. Online, in 20 minutes.