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Coming to Belgium to study or work? Join a mutual health insurance company and you'll enjoy effective protection in the event of any health problems. Backed by over 20 years of international expertise and multilingual, Partenamut Business & Expats speeds up and streamlines your procedures. Recognised by students, workers, and employers.
If you're working or studying in Belgium, joining a mutual health insurance fund (mutualité) means you'll have the insurance coverage needed to see a doctor, buy medicine, and go to hospital.
Our advisors are experts in international agreements and specialise in expat-specific issues, ready to answer all your questions. Our team can cover all kinds of needs, depending on your situation, with professional support available in multiple languages (French, Dutch, English, German and many more).
In Belgium, expat workers are responsible for managing their mutual health insurance memberships themselves. Partenamut Business & Expats makes life easier for you: it's easy for employees to register and access tailored coverage through our services, significantly reducing the administrative workload on your HR teams.
Get reimbursed for medical care, receive benefits if you're ever unable to work, and easily protect yourself with comprehensive health insurance tailored to your situation. Enjoy rapid enrolment, bespoke advice, and 100% online access to your record. You can further personalise your plan by adding dental or hospitalisation insurance at any time.
Coming to Belgium to study? With Partenamut Business & Expats, registration is quick and easy, with full support throughout. Enjoy bespoke coverage, benefits designed with your well-being in mind, and support even before you arrive, if desired.
Unlike in other countries, in Belgium, employers don't automatically enrol staff in a mutual health insurance scheme: employees or students are responsible for doing it themselves. With Partenamut Business & Expats, we make everything simple: we help you enrol, manage your compulsory insurance reimbursements (provided by all mutual health insurance companies), and offer over 70 additional benefits for day-to-day well-being (in areas like sports, glasses, contraception, psychological help, educational holiday camps for kids, etcetera).
Even if you are covered by a mutual health insurance scheme, some healthcare costs can still be high. Want to stay in a single room if you end up in hospital? They will charge you extra fees, which can add up quickly. To avoid any nasty surprises, complete your coverage with hospitalisation insurance from the Hospitalia range, and receive full or partial reimbursement for additional fees or pre- and post-hospital care costs.
In Belgium, dental fees can sometimes add up to very large amounts, and not all procedures are covered by social security. Dentalia Up dental insurance provides you with extensive coverage across Belgium and neighbouring countries. This is really useful, especially if you're being treated by a non-contracted dentist. You'll also enjoy coverage of up to €2,200 depending on the type of treatment, and up to €5,000 in the event of an accident (without a waiting period).
Settle into Belgium with confidence. Our mutual insurance fund handles the complexity so you can focus on your new beginning, with support at every turn. Enjoy expert service from rapid enrolment to personalised follow-up, along with 24/7 access to your health record.
Our advisors can help you throughout the various administrative formalities required to register for Belgian social security. You can also get in touch with them before you even arrive in Belgium.
Enrolling in a mutual health insurance scheme is easy, the process for students and employees is simplified. By removing the administrative weight from your shoulders, we help your HR team operate more efficiently and effectively
With over 20 years' experience in international agreements, we make it easy to understand the social security system, and help you throughout the required administrative procedures. We're there to guide you every step of the way, and you can choose the health insurance solutions that best fit your circumstances with ease.
As a public health insurance provider (mutuelle or mutualité), we have a nationwide presence. We provide assistance in English, French, Dutch, and many other languages.
We provide a single, dedicated advisor, for personalised, bespoke support. You save time and have less to worry about, and don't need to keep repeating all of your information. We simplify the process, and make your experience effortless and hassle-free.
Track your health record wherever you are, thanks to the online customer space and an intuitive smartphone app. Quickly and easily check your information with 24/7 access!
As an independent insurance fund (mutualité libre), we are part of the Belgian Union of Independent Insurance Funds (Union des Mutualités Libres de Belgique), operating independently and free from political ties. Our choices are focused on your needs.
Insure your stay in Belgium!
Focus on your work or studies, and let us handle the rest.
Medical consultations, reimbursements for treatments, stays in hospital or inability to work due to illness or injury... Find out how social security works in Belgium with our dedicated guide.
If you are leaving Belgium to live and work in a different country, please notify your mutual health insurance fund in advance so that you continue to be covered in your destination country.
Why do you need to inform your mutual health insurance fund if you're leaving?
If you are leaving Belgium to live and work in a different country, please notify your mutual health insurance fund in advance so that you continue to be covered in your destination country.
If you're an employee, a worker, self-employed, or a student and you're moving to another European country, we can provide the E104 documents for you. This document lists your periods of insurance, employment, and residence in Belgium. These periods are taken into account in the country you're moving to , in order to register your entitlement to health insurance benefits (this document could be used to be registered exempt from a training period, for example).
Note: some countries request this document themselves electronically (S040) via the EESSI platform.
Our advisors can answer questions about these topics when you tell us you're moving abroad.
The cost of health insurance in Belgium depends on the mutual health insurance company you choose. Enrolling, which gives you access to both compulsory and supplementary cover, is charged at a fixed monthly rate. This allows you to access Belgian healthcare with peace of mind, as most medical consultations, medication, and hospitalisation costs are partially reimbursed. At Partenamut, basic cover costs €14.75/month.
To complete your protection, you can also take out optional insurance, which covers expenses that aren't reimbursed by basic coverage, such as certain dental treatments, hospital stays in private rooms, or certain specific procedures. Hospitalia insurance is available from €4.11/month (depending on age), and Dentalia Up insurance is available from €4.01/month (depending on age).
Yes, there are private health insurance companies that can supplement your compulsory (or mutual) insurance. They cover costs that aren't covered by the social security system, such as certain dental treatments, hospitalisation costs, or special operations.
At Partenamut Business & Expats, this type of insurance is optional. We offer three levels of hospitalisation cover as well as dental coverage, with advisors available to help you choose what best fits your situation.