Best expat health insurance quotes in Belgium

We take the hassle out of health insurance: these 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.

Health insurance quotes for expats in Belgium

Allianz Care LogoAPRIL International LogoCigna Global Logo
Feature/BenefitAllianz CareApril IntlCigna Global
Available plansCare, Care Plus, Care ProEmergency, Basic, Essential, Comfort, PremiumSilver, Gold, Platinum
Coverage areaWorldwide (U.S. add-on)Country-specific, tiered systemWorldwide (U.S. add-on)
RepatriationLow-cost add-onIncludedAdd-on available
All plans includeMental health, evacuation HospitalizationCancer treatment, mental health, inpatient care
Optional add-onsOutpatient care, dental, maternityOutpatient care, vision, dental, maternityVision, dental, evacuation, maternity
Customer service24/7 multilingual24/7 multilingual24/7 multilingual
Preventative careWith higher tier plansWith higher tier plansIncluded
Monthly premiumsFrom $100/moFrom $80/moFrom $100/mo
Annual deductible$450–10,000$0–5,000$0–10,000
% Co-payment0-30% cost share 0–20% cost share0-30% cost share
Making a claimRequest reimbursement through the appRequest reimbursement through the appUsually direct billing, sometimes reimbursement
Get a quote Get a quote Get a quote

FAQ

Health insurance in Belgium

What is the Belgian healthcare system like?

Belgium has a universal, insurance-based healthcare system with strong public and private sectors. Expats working in Belgium are covered by state insurance policies, and many top up their coverage with private or international health insurance.

What happens if I don't have health insurance in Belgium?

All legal residents of Belgium must register for either public or private health insurance. Those not covered by health insurance can still access the Belgian healthcare system but they may have to pay up to 100% of any costs of medical treatment and prescriptions.

I'm moving to Belgium – when should I take out health insurance?

It’s best to start your private health insurance policy just before you arrive in Belgium. If you have a coverage gap between your insurance at home and your new policy, this could leave you with out-of-pocket expenses in case of emergency.

Do policies also cover family members?

Usually private health insurance policies are on an individual basis. If you want to cover a partner or family members, you can add them on when you build your policy. If you have several dependents, it’s worth shopping around for the best family plan.

Which treatments does private health insurance cover?

When you first design a health insurance plan, you can choose what you will pay yourself and what the provider will pay. Which treatments your plan covers depends on if you’ve met your deductible, whether you have a provider network, and other factors.

How much does private health insurance cost in Belgium?

Health insurance premiums are based on age, medical history, level of coverage needed, and whether you include extra benefits. Overall, healthcare costs in Belgium are low to average compared to other European countries.

How do I file a health insurance claim?

The claims process in Belgium varies between insurers. Some deal directly with healthcare providers and pay bills on your behalf while others require you to pay upfront and send an invoice after. If you’re concerned about having to pay upfront, look for a provider who can sort out claims directly.

Healthcare articles