If you’re a student coming from one of the 28 EU countries, Iceland, Liechtenstein, Norway or Switzerland you get access to the Belgian state provided health care under the same conditions as the Belgian population for all urgent medical care. In order to get access to the Belgian health insurance you should request the European health Insurance card (EHIC) from your national health insurance provider before you come to Belgium.
Please be aware of the following:
The EHIC card:
- is not an alternative to travel insurance. It does not cover any private healthcare or costs such as a return flight to your home country or lost/stolen property,
- does not cover your costs if you are travelling for the express purpose of obtaining medical treatment.
You can request reimbursement by presenting your European health insurance card and the documents from the health care provider from any Belgian Health insurance provider. You can also request reimbursement from your own national health insurance provider once you are back home. The reimbursement is based on the Belgian rates.
If you are in the possession of the EHIC card there is no need to register with a Belgian Health insurer, but there are some advantages if you do wish to register with one of them:
- Non-urgent medical care will also be reimbursed
- Reimbursement will be quicker, within one week according to the Belgian rules.
- Registration is free if you stay in Belgium for less than 1 year (1 year minus 1 day) (not valid for Swiss students)
All info on how to register with a Belgian health insurer will be given as soon as you arrive in Belgium.
Here is an overview of the most common health insurance providers: