The medical insurance covers the freelances as well as the employees or the civil servents, unemployed people, pensioners, disabled, students, etc and all the dependents: partners, next of kin, children, grandchildren, great grandchildren, etc.
Two conditions give rights to the medical insurance benefits:
Health benefits include:
If you go to visit your GP, you need usually to pay the full price of the visit. Then you contact the insurance with your prescription and you get the refund. Most of the time you won't get the full refund and you will have to pay for a share called the "ticket modérateur" (25%).
For some people (widows, disabled, pensioners,...) there is a higher refund system (called préférentiel).
At the pharmacy, with a prescription of a GP, you won't have to pay the full amount, the refund rates are always applied directly (system of tiers payant). Depending on their efficiency and needs the specific medecines are grouped into 5 categories: personal share of 10% to 25% depending on the generic kind of drug and the status of the patient.
Beside the medecines, in thecase of hospital care, the share of the patient is a fixed amount..
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Brussels is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Belgium. So, before leaving, make sure you have appropriate cover!
EasyExpat.com works in partnership with APRIL International to provide specific insurance solutions for travelling or staying outside your country of nationality.
Designed for either short or long stays, APRIL International’s insurance policies offer protection against any problems that might arise before departure or during your time in Belgium: cancelling your trip, medical expenses following an illness or accident, needing to be repatriated, causing damage to a third party or losing your luggage.
For more information on expat health insurance in Belgium, visit our partner APRIL International