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Health insurance

Anyone living and/or working in Belgium is obliged to take out health insurance. Students are usually insured as dependants (of their parents).

The health insurance providers?

The health insurance providers do offer additional insurance plans which allow you to extend your basic health insurance. You have to pay a contribution for this additional insurance, called the 'mutualiteitsbijdrage' or health insurance contribution. In exchange for this contribution you will receive additional benefits, services and compensation for payments made , including for vaccinations, contact lenses, corrective eyeglasses, personal alarm systems, speech therapy, orthodontic treatment, ambulance transport, osteopathy, chiropractic treatment, acupuncture, some implants, hospital stays, sports club membership, births, adoptions, dental care, youth holidays and care residences.

In addition to this you can also receive assistance abroad, use childminder services, get home education for sick children, and request medical material. Contact the health insurance providers for an overview of the services offered. The health insurance contribution you have to pay depends on the health insurance provider you are registered with. If you are registered as a student then you will have to pay a fixed amount on top of your health insurance contribution (= €63,12 per quarter in 2019). You can also be registered as a 'resident'. If you have no official income then you will only be required to pay the health insurance contribution. Additional health insurance is not mandatory but you will have to take it out if you choose to register with one of the health insurance providers. You cannot register with a health insurance provider if you do not pay your contribution. 

More information?

Contact one of the health insurance providers or the HZIV. You are free to choose your own health insurer. They all work according to the same rules.  The contribution you pay may vary slightly but the differences are minimal. 

  • Nationalestraat 111, 2000 Antwerp (Christelijke Mutualiteit)
  • Rubenslei 4, 2018 Antwerp (Partena)
  • Minderbroedersrui 19, 2000 Antwerpen (Liberale Mutualiteit)
  • Oude Vaartplaats 50, 2000 Antwerp (Onafhankelijk Ziekenfonds)
  • Nationalestraat 130a, 2000 Antwerp (Socialistische Mutualiteit ‘De Voorzorg’) 

Information for international students 
All of the above information is also relevant for you.