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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
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.
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 from 10 a.m. to 12 p.m. and from 1 p.m. 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.