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Health insurance and sickness in Belgium: staying well protected

Anyone living or working in Belgium must be a member of a health insurance fund (mutualiteit / mutualité). If you are ill, you must meet certain deadlines so you don’t lose your benefit. We help you.

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Through the health insurance fund you get part of your doctor’s visits, medicines and hospital costs refunded. You choose your own fund, or you go to the public fund (HZIV / CAAMI).

Are you an employee and ill? Send the certificate of incapacity for work to your fund. If you receive guaranteed pay, you have until the 14th day as a blue-collar worker and until the 28th day as a white-collar employee. If you are late, your benefit can be reduced by 10%. The benefit is in principle 60% of your gross wage, with a ceiling.

Which documents do you usually need?

  • Identity card or residence card
  • Employment contract or proof of work
  • Certificate of incapacity for work (sick note)
  • Letters from your health insurance fund or employer
  • Bank account number for the benefit

This is a general list. Exactly which documents you need depends on your situation and your municipality. After our first contact, you will receive a list tailored to you.

How it works

  1. You tell us your situation

    Via the contact form, in your own language. We ask the right questions.

  2. You receive a clear plan

    You know which documents you need, where to go and what it costs.

  3. We follow up

    We help with forms and letters until your file is in order.

Frequently asked questions

Do I have to join a health insurance fund?

Yes, anyone living or working in Belgium must be a member. Otherwise your medical costs are not refunded.

When must I send my sick note to the fund?

With guaranteed pay: by the 14th day as a blue-collar worker, by the 28th day as a white-collar employee. In other cases the deadline is often shorter. We check what applies to you.

How much do I receive if I am ill for a long time?

In principle 60% of your gross wage, with a maximum amount. The exact amount depends on your situation.

I have Romanian health insurance. Is that enough?

If you live or work in Belgium, you generally need to join a Belgian health insurance fund. We look at your situation.

Need help with your application?

Briefly describe your situation. You will receive a personal reply within 24 hours, in Romanian, Dutch, French or English.

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