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Belgium Health Insurance

 

Belgium Medical Insurance

The quality of healthcare in Belgium is typically of an extremely high standard. Belgian hospitals and medical facilities routinely rank among the best in Europe. The medical system in the country is funded through a government run mandatory insurance scheme, the premiums for which are automatically deducted from an individual's salary. This state run insurance will typically reimburse up to 75% of the costs associated with treatment, which is one of the reasons that Belgium also have a booming insurance industry, where people obtain policies with higher levels of coverage than the mandatory insurance provides.

When a foreign national gains employment in Belgium they are required to choose between joining the national health insurance scheme and obtaining private health insurance. The reason for this legislation is due to the fact that Belgian hospitals are extremely expensive, and if an individual does not have health insurance they will likely not be able to afford treatment at one of these medical facilities, so the Belgian government is ensuring that all individuals in the country are able to afford, and have access to, quality healthcare services.

In order for a foreign national to join one of the national insurance funds they must obtain written confirmation from their employer stating that they work and live in Belgium. After this it is up to the individual to choose which insurance fund they would like to be covered by. Though this may seem like a difficult choice, as many of the insurance funds in Belgium are linked to a specific religion or political party, there are virtually no differences between the state run insurance funds due to all the government legislation imposed on those policies.

Belgium has an extremely well rounded healthcare system, and is able to provide high quality treatment; there is even a pharmacy rotation throughout the country ensuring that in any given area you should be able to obtain medicine 24 hours a day. However many foreign nationals choose not to obtain coverage with the Belgian national insurance scheme due to the fact that it will not provide coverage outside of the country. So despite the fact that a portion of their annual salary will go towards ensuring coverage, it will not provide them the protection that they need if they ever decide to relocate or even go on holiday.

We can provide comprehensive Belgium expat health insurance plans to foreign nationals in Belgium that will afford you with the highest levels of coverage available. Plans that we provide are globally portable and guaranteed renewable for life, giving you the assurance that no matter what happens you will always have the coverage that you need. Plans can be tailored to meet your exact requirements and in many cases we are able to offer Belgium international health insurance policies with no deductibles or excesses. In addition to this, the policies will offer you a number of additional benefits including coverage for out-patient treatment, dental and maternity protection, complimentary medicines, specialist consultations, alternative therapies and emergency evacuation. All of this gives you the assurance that no matter what happens anywhere in the world, you will always have the protection that you need.

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Insurance Inflation - 2017
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