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Are you a long-term expatriate or have you recently arrived in Belgium as a student, employee, worker or self-employed person? And you're wondering how the Belgian healthcare system works and what you need to do to register with a health insurance organization in Belgium? Business & Expats Health insurance (formerly Partena Business & Expats) is a division of the Partenamut and Helan mutual insurance companies for expats but also cross-border workers who move between two countries (such as Belgium and France).
In Belgium, healthcare is covered by social security. When you fall ill, see a doctor or dentist, are admitted to hospital or buy medicines in a pharmacy, part of the cost is covered by the State. And if you have to stop working because of illness, accident or pregnancy, you will receive a replacement income. The amount of these reimbursements or replacement income is set by the INAMI (National Institute for Sickness and Invalidity insurance).
How does social security work in Belgium?
Discover how social security works in Belgium: medical consultations, reimbursements at the pharmacy, hospitalization and work disability.
Anyone living and/or working in Belgium can benefit from social security as long as they are registered with a mutual insurance company. "La mutuelle" also known as "la mutualité" is a private organization funded by the state to reimburse the healthcare and the replacement income in the event of incapacity for work.
Unlike in some other countries, your registration with a Belgian health insurance provider is not automatic ; it is up to you to take the necessary steps to register. It is only once you are enrolled with such organization that you can receive reimbursements for your healthcare expenses or replacement income in the event of incapacity for work.
As an expat (employee, self-employed, student...) or cross-border commuter, you need to be able to rely on an expert partner in Belgian social security to guide you through the sometimes complex procedures. Business & Expats Health insurance is a team of multilingual advisers who will guide you through all the steps you need to take to benefit from the best protection in the event of health problems, accidents, hospitalisation or maternity issues.
There are two options: fill in the form shown on this page to be contacted as soon as possible or make an appointment with one of our video call advisers.