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Moving to Belgium? Start by checking your entitlement to the Belgian statutory healthcare system. International health insurance can provide additional protection for your life abroad, depending on the plan you choose. Your employment status, length of stay and travel plans will help determine the cover you need.
Belgium combines statutory health insurance with optional additional protection. To receive statutory reimbursements, eligible people must register with an insuring organisation. You can choose a mutual health insurance fund or the public Auxiliary Health and Disability Insurance Fund, known as CAAMI/HZIV. Entitlement depends on your circumstances; moving to Belgium does not automatically activate cover.
A mutual fund administers statutory benefits and may also provide additional services through its membership contribution. CAAMI/HZIV administers statutory benefits without that supplementary package. Separate hospitalisation insurance is another type of protection, so compare what each arrangement actually includes.
Ask the relevant health insurance fund which documents it needs, when your entitlement starts and how any dependants will be registered. If you remain insured through another country, confirm which coordination arrangements apply. Check these points before cancelling existing cover.
Begin with your expected use of healthcare. If your life is mainly based in Belgium, compare the local arrangements available to you. If you expect to move between countries, consider how an international policy would support continuity of cover across your selected geographical area.
Explore international health insurance options and compare hospitalisation, outpatient treatment, deductibles and benefit limits against your needs. Check eligibility, exclusions, waiting periods and any medical underwriting before applying.
Our guide to choosing health insurance can help you prepare questions about existing medical conditions, family cover and future moves.
There is no single price for healthcare in Belgium. For consultations, ask what the practitioner will charge and what your fund will reimburse. For a planned admission, request a written estimate showing your expected personal share. For prescriptions, ask the pharmacist about reimbursement for the specific medicine.
When comparing policies, use those estimates alongside the premium, deductible and benefit limits. Avoid assuming that a quoted reimbursement percentage applies to every treatment or to the whole invoice.
For an eligible temporary visitor, the European Health Insurance Card gives access to medically necessary state-provided care under local conditions. It does not guarantee free treatment or cover private healthcare and repatriation. It is not a substitute for arranging healthcare entitlement when Belgium becomes your usual home. Ask your insurer whether an S1 form or another registration route applies.
A GP can be your first contact for everyday health concerns and help coordinate further treatment. Before booking, ask about the consultation language, appointment availability, fees and documents needed for reimbursement. Keep your treatment certificates and proof of payment.
When planning hospital care in Brussels, Antwerp, Ghent or elsewhere in Belgium, confirm the admission arrangements directly with the hospital. Send any estimate to your insurer and check whether prior authorisation is required under your policy.
Living abroad can mean balancing healthcare needs in Belgium with visits home and future international moves. An international policy can help you plan for these needs within its chosen area of cover. Compare the benefits that matter to you, including hospitalisation, outpatient care and medical assistance. Evacuation and repatriation are subject to the policy terms and should never be assumed to be included.
Check the latest registration and reimbursement rules with the relevant public authority and your health insurance fund.
It only takes a few steps to join and start benefitting from your international health insurance cover!
1. Find the cover that suits your situation from a range of options
2. Request a quote online and sign it electronically
3. Download the Easy Claim app and benefit from a wide range of features to help manage your plan with ease, wherever you are!
4. Get a call back or chat with one of our dedicated advisers at any time.
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