We take the hassle out of health insurance: these three health insurance companies provide international medical and dental insurance for expats in Belgium. Get quick health insurance quotes in Belgium and check out our list of FAQs to select the best health coverage plan for you.
Expats health insurance quotes in Belgium
The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options.
With access to over 1.2m medical providers worldwide, Bupa Global ensures expats have the same coverage everywhere. As a leading international health insurer, the UK-headquartered company settles directly with providers, so its 15.5 million customers don’t pay upfront and can consult specialists without seeing a GP.
The Munich-headquartered financial services company offers international health insurance plans for expatriate students, professionals, couples and families. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental consultations, maternity, surgery and outpatient fees.
Healthcare in Belgium
What do I need to receive healthcare in Belgium?
If you need medical treatment in Belgium, there are plenty of options and the country’s healthcare system is among the very best in Europe. It’s an insurance-based system, with strong state and private sectors. Employees in Belgium are covered through the state insurance scheme, with many employees and expats topping up their coverage with private insurance (mutuelles) or international health insurance.
Do I need private health insurance in Belgium?
Private health insurance is available in Belgium as a top up for fees not covered and for those who don’t qualify for public insurance. Packages are available to cover all medical costs with all healthcare providers in Belgium, both state and private. Mutuelles cover between 50–75% of costs with doctors, hospitals and clinics, 20% of prescription fees, and the costs of basic dental care.
FAQ: Health insurance in Belgium
If you choose private health insurance in Belgium, be sure to do your research, shop around and choose a package that is tailored towards your particular needs. Most insurers offer different packages at varying costs.
Besides comparing prices, questions you might want to ask potential insurers include:
1. Does the package cover family members?
Private insurance generally doesn’t cover children, unlike public health insurance in Belgium, but specific family packages are usually available.
2. Are there any restrictions, limitations or exclusions on the policy, e.g. relating to age or pre-existing conditions?
Some countries with state-run healthcare systems may not cover chronic issues or areas such as dental and eye health. It’s worth asking about specific requirements and evaluating the risks of remaining uninsured in these areas.
3. What’s a coverage gap and could I be affected?
With private health insurance, you are covered from the point at which you join the scheme, which is useful for new arrivals from non-EU countries who usually have to wait six months to be eligible for reimbursements after registering with the Belgian public insurance scheme.
4. Do I have health insurance coverage while I travel?
If work – or life – requires frequent international travel, the global coverage provided by expat medical insurance may prove useful. Make sure to ask if your health insurance package will cover treatment abroad or if you will need to purchase excess coverage.
5. What treatments are covered?
Are supplementary treatments that might not be covered by state insurance included, such as chiropractic or maternity?
6. How straightforward is the process for making a claim?
In Belgium, you usually pay fees for treatment upfront and claim the majority of costs back through the insurer.