Health insurance in Belgium

Health Insurance cover in Belgium

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Compulsory

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What is covered by the compulsory health insurance?

Health Insurance

NL: De Ziekteverzekering

Who is covered by the health insurance in Belgium?

How much does a health insurance cover?

Hospitalisation Insurance

NL: Hospitalisatieverzekering

Optional

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What is covered by the hospitalisation insurance?

Single room in the hospital - expensive A room for 2 or more - cheaper Compare here:

The Flemish 'Care Insurance'

NL: De Vlaamse Sociale Bescherming / Zorgkasverzekering

Compulsory in Flanders

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Brussels - The Flemish Social Protection Insurance

NL: De Vlaamse Sociale Bescherming

Optional in Brussels

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Health Insurance Companies

NL: Mutualiteiten

Everyone has to have health insurance in Belgium, therefore everyone has to be registered with a health insurance company.

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What does a health insurance company do?

There is a standard package of basic medical services covered by the health insurance which are all reimbursed in the same way, regardless of the Health Insurance Company you are registered with.

Visits and consultations - family doctors and specialists Care by nurses and sitters Physiotherapy Small technical interventions Preventative and preservative dental care Radiology Surgeries Clinical biology

What is the difference between the numerous Health Insurance Companies in Belgium?

Benefits and extra services financed by the membership fees of the members: go to the site of your health insurance company and look for 'extra voordelen'.

HZIV

A public institution (funded by the state) Reimburses the basic package of medical services covered by the public health insurance Pays out your sick leave and maternity benefits Free of charge

Thanks!