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Are you coming to Belgium to study? Joining a mutual insurance fund means you are covered in the event of illness or accident during your stay. With Partenamut Business & Expats, your registration is quick, simple and fully supported. Our multilingual team will help you activate your health coverage, and you can even do so before you arrive.
Medical consultations, medication, hospital fees, etc. In Belgium, a large proportion costs relating to your health can be reimbursed by the social security system. Provided you are enrolled with a mutual insurance company. If you choose Partenamut Business & Expats, you will benefit from the reimbursements provided for by compulsory healthcare insurance (common to all Belgian mutual insurance funds), but also from a host of additional benefits.
Even with a mutual insurance fund, some costs can remain high: dental care, consultations with non-contracted doctors or hospitalisation in a single room. That is where our optional insurance (dental and hospitalisation) comes in: it supplements your protection to avoid unforeseen expenses and enables you to focus on your studies with peace of mind. With Partenamut Business & Expats, you choose the coverage suited to your situation, your budget and your needs!
In Belgium, all mutual insurance funds reimburse an identical proportion of your healthcare costs: this is compulsory healthcare insurance. But depending on the organisation you choose, you can also benefit from additional advantages specific to each mutual insurance fund, known as supplementary insurance.
With Partenamut Business & Expats, you benefit from over 70 additional benefits, including:
Ready to activate your health coverage?
Contact us
Do not be surprised if you receive hospital bills in excess of several thousand euros in Belgium.
Have you decided to stay in a shared room? Most of your costs will be reimbursed by compulsory healthcare insurance (provided you have valid mutual insurance).
Would you prefer to stay in a single room? Please note that you will be billed room and fee surcharges. These surcharges are never covered by compulsory insurance. Our range of optional Hospitalia insurance enables you to cover this type of expense.
You can choose from 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
Not sure which plan fits your needs? Our expert advisers are here to guide you toward the right choice for your situation.
Dental care can be expensive, especially with a non-contracted dentist who will bill you fee surcharges that are not reimbursed by compulsory insurance. Dentures, periodontology treatments... some procedures can quickly become expensive!
Dentalia Up dental insurance increases your coverage and considerably reduces your costs, with:
Still not sure which optional insurance is right for you? Or how to register with a mutual insurance fund? Our team is here to assess your needs and support you every step of the way.
New country, new rules... and inevitable questions. What is the role of mutual insurance funds in Belgium? What are the benefits? How do you register as a foreign student (EU or non-EU)? And what is a contracted doctor?
Do not worry: we have created a comprehensive and clear page explaining everything you need to know about the Belgian healthcare system. To find out more, go to our "Healthcare system in Belgium" page!
With Partenamut Business & Expats, you benefit from multilingual services (French, Dutch, English and many other languages), personalised support and an experience designed for international students.
But also from:
a person specifically dedicated to your registration and your file,
an independent mutual insurance fund, with no political or religious affiliation,
24/7 access to your health file via an online customer zone,
an intuitive app to access your file and claim reimbursements from anywhere.
Ready for a stress-free year? Our health insurance gives you the protection you need to focus on what matters most.
Between finding housing and the administrative procedures involved in moving to a new country, your schedule is already very busy. To make your life easier, we offer 3 quick and flexible 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 2 444 41 11, from Monday to Friday, 8 a.m. to 5 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.
If you are studying in Belgium, registering with a mutual insurance fund will enable you to benefit from the public healthcare system. In fact, it is the mutual insurance fund that pays citizens the reimbursements provided for by the social security system, in particular for medical consultations or the purchase of certain medication. There are several mutual insurance funds, each with their own values and services.
To register, Partenamut Business & Expats is available by telephone, video call or e-mail. Your school can also advise you on the steps to take if necessary.
Compulsory healthcare insurance covers part of the cost of consultations, medication, examinations and hospitalisation. The amounts reimbursed are set by the National Institute for Health and Disability Insurance (NIHDI) and are identical for all mutual insurance funds.
Most mutual insurance funds also offer what is known as supplementary insurance, with additional benefits included in the amount of the contribution. Some also offer optional insurance, in particular to cover dental care or single room fees in hospital.
Yes. If you are a student from an EU/EEA country, the EHIC (European Health Insurance Card) enables you to be covered during your temporary stay in Belgium. You are strongly advised to enrol with a Belgian mutual insurance fund on the basis of your EHIC, so that you can claim reimbursements directly in Belgium.