Belgian health insurance is partly funded by social security contributions, and requires residents to pay a percentage of their healthcare costs. This guide on health insurance in Belgium covers the following topics:
- The healthcare system and health insurance in Belgium
- Who needs health insurance in Belgium?
- Public health insurance in Belgium
- How to apply for public health insurance
- Private health insurance in Belgium
- Health insurance costs and reimbursements
Cigna Global provides comprehensive health insurance to over 86 million customers in over 200 countries. They have a wide access to trusted hospitals, clinics and doctors and provide expats with help on tailoring a plan to suit your individual healthcare needs.
The healthcare system and health insurance in Belgium
It achieves near universal coverage. According to OECD data, 99% of Belgian residents can access treatment through the public healthcare system.
In the 2019 Health Care Index, Belgium ranked ninth out of 89 countries on on the overall quality of its healthcare system, with Austria, Denmark, Spain and France the only European countries to rank higher.
Who needs health insurance in Belgium?
Residents in Belgium generally sign up to state-sponsored schemes for health insurance. This allows them to claim partial reimbursements of medical costs in Belgium and other European countries.
To cover their personal share of medical care (i.e. claim back 100% of costs), some residents also sign up for supplementary private insurance in Belgium.
Public health insurance in Belgium
Public health insurance in Belgium receives partial funding through social security contributions.
The various Belgian health insurance schemes, known as mutuelles, are mandatory for any residents wishing to receive health cover.
After joining, patients receive reimbursements between 50% and 75% of their medical costs by their chosen Belgian health insurance company.
Residents of Belgium must first register with the social security office before they can join a health insurance scheme.
Who is covered by public health insurance in Belgium?
- Employees and self-employed workers: upon commencing work in Belgium, all foreign nationals must join the state health insurance scheme or present evidence of private health insurance The same rules apply to self-employed workers in Belgium).
- Spouses and children: employees who have Belgian health insurance cover will automatically receive cover for children up to the age of 18 and dependent spouses (if they don’t have their own cover).
- Students: EU students receive coverage through the state health insurance system in their home country during their period of study. Non-EU students should check whether their country has an agreement in place with Belgium. Those who don’t qualify for cover must purchase their own insurance.
- Pensioners and non-workers: expat pensioners may be entitled to state Belgian health care through their country of origin. It is important that you clarify what your entitlements are prior to moving to Belgium, as you will be required to provide evidence of health cover when registering for residency.
- Short-term visitors: EU/EEA and Swiss citizens planning a short-term visit to the country may use their European Health Insurance Card (EHIC) in Belgium to receive emergency treatment either free of charge or at a reduced cost. Other visitors can check the requirements with the Belgian consulate or embassy in their home country; in some cases, private insurance may be required before a Belgian visa or permit is granted.
- Non-EU residents: Belgium has agreements with more than 20 countries outside Europe, including Canada, Australia, USA and Japan. This enables the same healthcare access as Belgian citizens. Visit the Coming to Belgium website for information in several languages.
What is covered by Belgian public health insurance?
- Doctor and hospital visits: anyone seeking treatment in Belgium is free to visit any doctor or hospital, regardless of location or referral. This is particularly beneficial to expats whom have received recommendations from colleagues for a high-quality English-speaking doctor. Read about doctors and medical specialists in Belgium.
- Dental care: dental care in Belgium is subject to partial reimbursements, provided the dentist is on a state-approved list. More advanced treatments, such as crowns and bridges, usually result in the dentist offering you a variety of quotes on the work required. These require approval from your insurer.
- Maternity care: Belgian health insurance covers the cost of having a baby in Belgium, provided you have been insured for a sufficient amount of time. Read more about giving birth in Belgium and maternity leave.
How to apply for public health insurance
Your eID is an official identification card, which all Belgian residents aged over 15 must carry at all times. It serves a variety of purposes, including enabling doctors in Belgium and Belgian hospitals to digitally verify your insurance status.
Before choosing a health insurance company, you must be paying Belgian social security. Your employer might register you for social security; otherwise, you can register yourself at the nearest social security office. Read how to sign up for Belgian social security. The Belgian government also provides a detailed guide.
Both employers and employees are responsible for making social security payments, with employers funding the majority of the fee.
After registering with the social security office, you can join any mutuelle in Belgium (or ziekenfonds in Dutch).
Each mutuelle aligns itself with a political or religious group within Belgium, such as Christian, socialist and liberal groups.
All the mutuelle providers offer more or less the same services, hence why employers often enroll you in one automatically.
You can choose your own mutuelle, particularly if you wish to register with one based on your religious or political affiliation. You may also find a mutuelle that offers useful services, such as English-language services.
How to choose a public health insurance provider
Each mutuelle in Belgium covers most medical treatments, such as specialists, hospitals, prescriptions, pregnancy and childbirth.
After registration, you must wait six months before being entitled to any reimbursements of medical costs. The six-month waiting period can be waived, however, providing you have been covered by a state health care plan in another EU country for the past six months.
Expatica provides a listing of health insurance companies in Belgium.
Some of the largest mutuelles in Belgium include:
Private health insurance in Belgium
With mutuelles covering between up to 75% of medical costs, private health cover remains a popular choice for many residents looking to cover the outstanding amounts.
Some employers also provide supplementary health cover as part of their employee benefits package.
Private cover is a useful way of topping up a mutuelle, particularly if you have an existing medical condition.
The cost of private health insurance varies, so it’s important to thoroughly research your options prior to committing to a specific package.
If you have children, it’s worth enquiring about specific family packages which may help lower the overall cost. Children don’t generally receive coverage under your private insurance plan, unlike with state health insurance.
If you frequently travel abroad, you may wish to purchase a package which covers your medical expenses while out of the country. Note that EU citizens can use their EHIC card when seeking medical assistance within the EU.
Belgian private health insurance providers
Some of the largest health insurance companies in Belgium (typically private) include:
Health insurance contributions and reimbursements
Patients usually pay for consultations or treatments after showing their eID card. In general, you’ll need to pay first, and then submit a claim to your insurance company afterwards to reclaim part of the cost.
In most instances, Belgian health insurance reimburses up to 50–75% of the cost, with the patient responsible for covering the rest.
Patients make claims by submitting a receipt alongside a claim form to your Belgian health insurance company. Some mutuelles offer full reimbursement or even reimbursement at the point of payment with certain clinics.
Payments for hospital treatment follow a slightly different system, as they instead charge patients a fixed daily fee.
This fee varies according to your personal circumstances. For example, the unemployed, retired or disabled will pay less.
At the end of your hospital visit, you only pay your personal share; the hospital charges your insurance company (mutuelle) directly for the outstanding amount. Read more about visiting hospitals in Belgium.
Health insurance entitles you to reimbursement on all medical prescriptions. Patients usually pay up to 80% of the price at the counter, depending on their personal circumstances.
Your Belgian health insurance company pays the remainder, much in the same way you would pay for hospital treatment. Non-prescription drugs cost more than those prescribed by your doctor.