Belgium — Healthcare: Private Insurance

Why this matters

Relocating individuals to Belgium may want to consider private insurance to complement the public system, especially if they have pre-existing conditions or require specialized care.

Key facts

• To receive compulsory health insurance benefits you must join a mutuality, which pays health benefits and incapacity allowances on behalf of the state.
• Mutualities are private bodies but operate in a public regulated framework, and the compulsory insurance is offered by all of them.
• People with no professional income can be covered by paying personal contributions to their mutuality.
• Dependants derive rights from the insured person, subject to an income ceiling; students obtain an attestation from their institution to join.
• Rules for non-EU foreigners were not covered in the sources reviewed.

Steps

1. Choosing a Private Health Insurance Policy — Individuals can select from a range of private insurance providers in Belgium, each offering varying levels of coverage and pricing. When choosing a policy, consider factors such as pre-existing condition coverage, maximum annual limits, and any specific services or providers you require.
2. Applying for Private Health Insurance — Applicants typically must submit a medical questionnaire and provide proof of income to secure coverage. Some policies may have a waiting period before benefits become effective.
3. Renewing or Canceling Private Health Insurance — Policyholders can renew their coverage annually, but may need to reapply or submit updated medical information. Canceling a policy may result in penalties or reduced benefits.