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Have you just arrived in Belgium? Are you preparing to live there? Enjoy your new life, we will take care of everything! Personalised support in finding a mutual insurance fund and tailor-made expatriate health insurance, simplified procedures, advice: with Partenamut Business & Expats, you can settle in with complete peace of mind.
Changing your country of residence means building a new daily routine with new points of reference. Partenamut Business & Expats guides you towards reliable and comprehensive health insurance. You are secure and can live your life in Belgium with complete peace of mind.
Doctors' consultations, medication, hospitalisation, surgery... Your mutual insurance fund enables you to benefit from coverage of your healthcare costs in Belgium. Partenamut Business & Expats can help you with the registration process.
Even with a mutual insurance fund, certain costs, in particular for dental care or hospital stays, can remain high. Our optional insurance helps you avoid unpleasant surprises and protect you and your family in the event of unforeseen circumstances.
Whether you are employed, self-employed or unemployed, Partenamut Business & Expats can help you make your way in Belgium, whatever your situation!
Some healthcare reimbursements are regulated and identical, regardless of the mutual insurance fund. These are the costs covered by compulsory healthcare insurance.
Other reimbursements generally supplement this common coverage. They vary from one mutual insurance fund to another. This is known as supplementary insurance.
Partenamut Business & Expats offers you, for example:
And much more!
In the event of hospitalisation, your bills can reach substantial sums.
If you choose to stay in a shared room, most of the costs are reimbursed to you by compulsory health insurance, provided you have valid mutual insurance.
On the other hand, if you decide to stay in a single room, you will be billed for room and fee surcharges. These surcharges are never covered by compulsory insurance and can represent significant costs.
It is for this reason that we have developed the Hospitalia range of optional insurance.
You have 3 options
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
Your situation, your health needs, but also the place where you reside will all play a part in determining the hospitalisation insurance that best suits you. Do not hesitate to contact our Partenamut Business & Expats advisers to help you make your choice.
If you consult a non-contracted dentist, you will probably have to pay fee surcharges. These surcharges are not covered by compulsory healthcare insurance.
In addition, some care, such as and torthodontic treatments he fitting of dentures and implants, remain particularly costly, even with contracted dentists.
Our Dentalia Up dental insurance supplements the reimbursements of your mutual insurance fund. It helps reduce your costs for curative dental care (such as cavity treatment and tooth extraction) and preventive care (such as check-ups and scaling), but also for more specific care such as periodontology, or in the event of unforeseen circumstances.
The Dentalia Up benefits include
In addition, our dental insurance is free for children aged 0 to 3!
Need help finding the best package?
Our advisers are here to answer your questions and help you choose the insurance that suits your needs.
In Belgium, membership of a mutual insurance fund is compulsory for anyone residing or working in the country. Why? Because it is the mutual insurance funds that pay reimbursements relating to healthcare and compensation in the event of incapacity for work.
Your employer does not take care of this process. It is up to you to register by first selecting the organisation that offers the coverage that best suits you.
Because, while compulsory insurance reimbursements are identical with all mutual insurance funds, they generally offer their members other additional coverage. So you have an important choice to make between different packages.
Belgium's healthcare system: how does it work?
Navigating healthcare in a new country can be complex. If you're wondering how the Belgian system is structured, this guide will provide the clarity you need. Find out everything you need to know on our dedicated page.
Partenamut Business & Expats is a multilingual service (French, Dutch, English and several other languages), tailored advice and reliable support for your expatriation to Belgium.
It is also:
Every expatriate has his or her own history... and different health needs. Partenamut Business & Expats is tailored to your situation with personalised services.
Are you coming to Belgium and wish to work as a freelancer or self-employed person? Benefit from tailored support for your healthcare needs.
Are you starting a new stage in your career in an international company located in Belgium? Benefit from tailored support to ensure optimum protection for you and your family, on arrival.
Are you coming to Belgium to follow a family member? We are here to help you with your healthcare needs in your new country of residence.
Are you coming to Belgium and do not have a local employment contract? Whether you want to follow your partner, move closer to your family or grasp new opportunities, Partenamut Business & Expats is here to support you.
Do you live in Belgium and work in a neighbouring country? You are also required to register with a Belgian mutual insurance fund in order to benefit from your social security rights. Partenamut Business & Expats offers support tailored to this specific situation.
If you work in Belgium, you are obliged to register with a Belgian mutual insurance fund, even if it is not your country of residence. Partenamut Business & Expats can help you in the process to find optimum coverage on both sides of the border.
Expatriation involves a lot of steps, and it can be hard to keep track. Fortunately, our advisers are here to make your life easier.
To make things easier for you, we offer three methods for contacting us.
Fill in the form
Receive all the information you need directly by e-mail, along with a list of the documents you need to activate your health coverage with ease.
Give us a call
Need an immediate answer? Call an adviser on +32 2 44 44 700, from Monday to Friday, 10 a.m. to 12 p.m. and to 4 p.m.
Make a video call
Talk to an adviser face-to-face without having to go anywhere. Our video call service is available by appointment, in English or French, Monday to Friday, 8 a.m. to 5 p.m.
Yes, everyone residing in Belgium, including expatriates, must be covered by compulsory healthcare insurance.
On arrival in Belgium, you therefore must join a mutual insurance fund to access the reimbursements provided for by the Belgian healthcare system.
You have the option to supplement your health coverage with optional insurance (dental insurance, hospitalisation insurance). This step is optional.
In Belgium, a mutual insurance fund is an organisation that manages the partial or total reimbursement of the costs of healthcare via the public system (compulsory healthcare insurance). Membership of a mutual insurance fund is compulsory for every person residing in the country.
Health insurance covers costs not reimbursed by compulsory healthcare insurance (such as hospitalisation in a single room or certain dental care). It is an optional extra that supplements your basic coverage.
No, international health insurance does not replace membership of a Belgian mutual insurance fund.
It may cover certain costs, but it does not entitle you to the reimbursements provided for by the Belgian healthcare system.