Our insurance solutions for expatriates

Business & Expats Health Insurance offers you a complete range of insurance solutions. By taking out our insurance policies, you benefit from extensive protection tailored to your specific needs as an expatriate or cross-border commuter.

Choosing Business & Expats Health Insurance means opting for personalised, tailor-made support, perfectly suited to your needs. Our advisers are on hand to guide you through the Belgian healthcare system and help you select the most appropriate insurance for your situation.  

Basic health cover tailored to your needs 

In Belgium, it is compulsory to register with a mutual insurance company (mutuelle) in order to receive reimbursements for healthcare and benefits set by the State. This is known as compulsory insurance.  

In addition to this compulsory insurance, Business & Expats offers a number of extra benefits (over and above those offered by Belgian social security) such as:  

  • sports club reimbursement  
  • contribution to optical expenses  
  • a birth or adoption bonus 
  • assistance for urgent care abroad 
  • and much more besides.  

This supplementary insurance allows you to enhance your health cover to take care of yourself.  

To make it easier for you to register with the mutual insurance system, our advisers are on hand to help you with the various steps you need to take. 

Your health file online

Registering with mutual insurance via Business & Expats Insurance also gives you access to online services to manage your health insurance file whenever and wherever you want, thanks to an online customer area and a mobile application.  

As soon as you register with Helan or Partenamut, create your customer area online and you can access an overview of your reimbursements, print or order documents or identification stickers, and receive your digital mail via your inbox. 

Optional insurance for optimum protection 

Because no one is immune to health problems and medical care is not always adequately reimbursed by the social security system, Business & Expats Health Insurance also offers optional insurance to complement the basic cover. 

Hospital insurance 

Birth, surgery, illness, accident... we're all affected at one time or another. Our hospital insurance policies offer you optimum protection in the event of a hospital stay. We offer several types of cover to meet your specific needs: 

  • Contribution of up to 100% for doctors' surcharges 
  • Coverage of medical expenses 30 days before hospitalisation and 90 days after hospitalisation 
  • Reimbursement of room supplements up to €80/night 
  • Reimbursements of up to €7,000/year excluding hospitalisation for 33 critical illnesses if you take out the Critical Illness cover option. 
  • No annual reimbursement ceiling 
  • Contribution of up to 200% for doctors' surcharges 
  • Coverage of medical expenses 60 days before and 180 days after hospitalisation 
  • Possibility of staying in a single room  
  • Reimbursements of up to €7,000/year excluding hospitalisation for 33 critical illnesses if you take out the Critical Illness cover option. 
  • No annual reimbursement ceiling 
  • Contribution of up to 300% for doctors' surcharges (except for hospital day care) 
  • Coverage of medical expenses 60 days before and 180 days after hospitalisation 
  • Reimbursement of room supplements up to €125/night 
  • Reimbursements of up to €7,000/year excluding hospitalisation for 33 critical illnesses if you take out the Critical Illness cover option. 

Are you already covered for hospital insurance through your employer? Hospitalia Continuité will ensure you are still covered even if your professional situation changes (job loss, retirement, etc.). As soon as your employer's hospitalisation insurance ceases to cover you, you will be transferred to the hospitalisation insurance of your choice (Hospitalia, Hospitalia Medium or Hospitalia Plus):  

  • Without any waiting period  
  • Without filling in a new medical questionnaire  
  • Without paying an additional premium linked to your age at the time of the transfer. 

Dental Insurance  

Preventive and curative treatment, crowns, implants... dental care is expensive and is not always reimbursed by social security in Belgium.  

  • Up to €2,200 reimbursed, depending on the type of treatment  
  • Specific cover in the event of cancer or accident: up to €4,000 reimbursed  
  • No medical questionnaire  
  • No waiting period in the event of an accident or for preventive care 
  • Free for children aged 0 to 3  
  • Dental care covered in Belgium AND neighbouring countries 

Dental care covered in Belgium and the neighbouring countries.

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