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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: our services, your employees benefit from tailored coverage, 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.
Discover the offer for individuals
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.
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.