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Your company's expatriate talent deserves reliable and advantageous health insurance for their stay in Belgium. As an employer or HR department, guide them towards our tailor-made solutions: mutual insurance that offers over 70 reimbursements, comprehensive optional coverage to enhance their security, and personalised support to simplify the process for them. You support them, we ensure their peace of mind.
Your employees can register on their own, eliminating administrative friction for your internal teams. Your expatriate employees are guided step-by-step through their registration, with clear explanations and an intuitive platform.
More than just company health insurance, you are guiding them towards comprehensive, tailor-made protection, without having to manage the process for them. The result: a real time-saver for your HR teams and a seamless experience for your talent.
Invite your employees to register by e-mail or during a video call: they choose their package and finalise their membership in just a few clicks. Our system operates independently of your internal resources.
Guide your employees through the expatriation process with Partenamut Business & Expats: a tailor-made support service for their health insurance in Belgium.
As an employer, HR department or relocation service provider, offer them a reassuring framework to make them feel welcome:
With Partenamut Business & Expats, your expatriate employees receive support with their administrative procedures as soon as they arrive in Belgium.
In Belgium, some reimbursements are regulated and identical for all citizens (compulsory healthcare insurance). Taking things a step further, most mutual insurance funds offer supplementary insurance and optional insurance that make all the difference.
Partenamut Business & Expats offers your expatriate employees optimal coverage with specific benefits for their well-being and that of their families:
Attract and retain international talent with Partenamut Business & Expats!
The process was clear, and the advisors were quick and professional
Expat employees should be aware that single room stays in Belgian hospitals often incur uncapped medical fees that can significantly exceed standard reimbursements.
Compulsory insurance covers most costs for shared rooms, but supplements (single room, medical fees) continue to be borne by your employees and can represent a substantial expense.
With Partenamut Business & Expats, you can offer them tailor-made hospitalisation coverage from €4.11/month (depending on age), to avoid unpleasant surprises.
Three options are available:
Hospitalia Smart: fee surcharges reimbursed up to 100% of the legal rate, medical expenses covered* 60 days before and 120 days after hospitalisation, and other benefits.
*Subject to certain conditions
Hospitalia Care: fee surcharges reimbursed up to 200% of the legal rate, medical expenses covered* 60 days before and 180 days after hospitalisation, and other benefits.
*Subject to certain conditions
Hospitalia Plus: fee surcharges reimbursed up to 300% of the legal rate, medical expenses covered* 60 days before and 180 days after hospitalisation, and other benefits.
*Subject to certain conditions
Solutions tailored to their situation, whatever their plan or professional activity, for expatriation with peace of mind. Do not hesitate to contact our advisers to find out more about the options available.
If your expatriate employees consult a non-contracted dentist in Belgium, they will often have to pay fee surcharges that are not covered by compulsory healthcare insurance. In addition, some treatment, such as orthodontics and dentures, remain costly, even with contracted dentists.
Dentalia Up dental insurance supplements their coverage with a contribution for dental care that is curative (cavities, extractions), preventive (check-ups, scaling) and specialised (periodontology, emergencies).
In particular, it offers:
In addition, this insurance is free for children aged 0 to 3.
Would you like to supplement your employees' salary package with one of our health insurance options?
Contact our Partenamut Business & Expats advisers and receive a personalised quote.
The Partenamut Business & Expats team of experts can offer you tailored solutions, saving you hours of administrative work.
Partenamut Business & Expats combines expertise and flexibility to offer your employees tailor-made health coverage.
Your talent can register in just a few minutes. They can contact Partenamut Business & Expats before arriving in Belgium, for expatriation with peace of mind.
Invite your employees to contact Partenamut Business & Expats and we will take care of the rest.
You have no administrative documents to fill out. So you can focus on what is most important: the integration and well-being of your employees.
In addition to French, English and Dutch, Partenamut Business & Expats advisers can assist customers in several languages. Multilingual expertise that fosters good communication and boosts the confidence of your international talent.
Our advisers take the time to understand the expectations of your expatriate talent, to offer them tailored solutions and attentive follow-up throughout their mobility.
Each customer benefits from personalised and consistent follow-up with a dedicated expert for smooth and efficient communication. A relationship of trust that also saves time.
Reimbursement requests, sending documents... Your expatriate employees can manage their insurance remotely, autonomously and according to their preferences, via:
Their mutual fund's services at their fingertips, anywhere, anytime!
We provide reliable support for expatriate workers in various sectors:
What if your organisation does not fall into one of these categories? We’re here to help you as well! Don’t hesitate to reach out to us
Do you or your employees need help to better understand the specific characteristics of the Belgian healthcare system? Find all the important information in our guide dedicated to expatriates.
Need more information in order to welcome your employees from abroad? Questions about our health insurance service for companies and expatriate workers? Our Partenamut Business & Expats advisers are here to answer them!
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In Belgium, health insurance is compulsory for all residents, including expatriate employees and workers.
Anyone residing in Belgium must therefore join a mutual insurance fund (health insurance) in order to benefit from partial reimbursement of healthcare costs and medication.
Although mutual insurance is compulsory, it does not cover all costs (e.g. hospitalisation in a private room or certain dental care). Taking out supplementary health insurance (such as hospitalisation or dental insurance) is therefore highly recommended for optimum coverage.
In Belgium, healthcare is not completely free. It is reimbursed in part by the public system (consultations, medication, hospitalisation, etc.) through mutual insurance funds.
Workers and residents register with the organisation of their choice to be able to benefit from this coverage. Their contribution entitles them to additional benefits and services. These vary from one mutual insurance fund to another.
They also have the option of supplementing this coverage with optional health insurance, for example, for greater coverage of their dental care or to benefit from coverage for hospitalisation in a single room.
Health insurance products for expatriate employees in Belgium generally include specific coverage for hospitalisation, such as full coverage of hospitalisation costs, reimbursement of medication, pre- and post-operative care and medical transport costs.
This coverage is essential to ensure comprehensive protection and avoid employees incurring unforeseen expenses during their stay.
Partenamut Business & Expats is here to advise expatriate workers through its range of hospitalisation insurance and offer them a solution tailored to their needs.
The reimbursement of dental care for expatriate employees in Belgium depends on the policy taken out.
Mutual insurance funds reimburse routine dental care (scaling, cavities, extractions) up to a defined percentage, identical for all organisations. Strictly speaking, this is not company health insurance because registration (which is compulsory in Belgium) must be carried out by the employee and not the employer.
For broader coverage (orthodontics, implants, dentures), it is possible to take out additional dental insurance.
Would you like to supplement your employees' salary package with dental insurance? Contact our Partenamut Business & Expats team of experts to receive a personalised quote.
To guide your expatriate employees towards the best health insurance in Belgium, there are several points to consider:
Discover the Partenamut Business & Expats service: the ideal contact for companies wishing to offer their expatriate employees reliable and practical solutions for their health security and that of their loved ones.
Would you like to offer your company's expatriate employees practical solutions for their health security and that of their loved ones? Discover the Partenamut Business & Expats service: your dedicated contact for welcoming your employees from abroad.