International healthcare, medical insurance in Brussels


In addition to the mandatory health protection (Social Security - contributions are taken directly from the salary by the employer for the employee) it is often advised to subscribe to a private insurance or mutual fund. This on will be in charge of refunding (part or full payment according to the benefits) the cost of the medical care and the purchase of some medecine. The choice of the insurance is free: In Belgium there are five unions or alliances:

In addition you will find the Caisse Auxiliaire, the Caisse Soins de Santé de la SNCB and the CAMI - Caisse Auxiliaire d'Assurance Maladie Invalidité (public organisation the gives benefits in case of disability without offering additional mutual insurance coverage). Some insurance companies have equally a department named "mutual".

You will find more information on the website of the Institut National d'Assurance Maladie – Invalidité (INAMI):

Mutual benefit society pay also part of the price of some medecines when they are bought with a prescription with the sticker "mutual" (mutuelle).

There are also additional healthcare insurances, non mandatory, that can refund the amount not already paid back by the mutual benefit societies.

Update 15/01/2010


Facebook Twitter LinkedIn Pinterest WhatsApp Addthis

Recommended Partners

Expatriate health insurance in Belgium

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!

Cigna Logo

Cigna is one of the world's biggest international insurers with more than 30 years' experience in providing global health insurance across 200 countries and territories. They have access to more than 1.65 million hospitals, physicians, clinics and specialists worldwide.

Cigna Global's flexible plans are specifically designed for expats and globally mobile individuals who move to Belgium. All their plans can be tailored to your individual requirements in Belgium, always finding the right healthcare solution, whatever the situation and budget.

Getting a health insurance quote

Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.

Click on the button to access the online tool and get a quote in 2 minutes.

Do you have comments or personal information to communicate about this article? Add your comment.

Find more definitions and general answers on expatriation issues in the Expat FAQ (Frequently Asked Questions).

Go to the Forum to talk more about international healthcare, medical insurance in Brussels, healthcare.

Download the full digital PDF expat guide in Brussels

Download the guide: Brussels, Belgium
  • See in one single booklet all the articles for a city guide for expatriates.
  • Enjoy full colour photos to illustrate each section.
  • Additionnal maps: Region, City view, Neighborhood, Street view.

  • - My Life Abroad -
    A selection of expat stories

    "A fun compulsive read!"
    J. Matcham, Amazon

    "I strongly advise people ready to live abroad to read this book!"
    Patrice, Amazon