Everyone who works in Belgium under a Belgian contract is insured against work accidents during work hours (and also on the way to and from work) by their employer. In the event of an accident at work, all the costs are covered by the employer/employer's insurance company.
But what if we get sick on the weekend or have the flu and need to see a doctor?
What does it look like in terms of reimbursement then?
You will find some basic information about health insurance below.
Health insurance fund.
In Belgium, a compulsory health insurance is administered by the health insurance fund, commonly known as the sickness fund. Everyone working in Belgium is obliged to register with a health insurance fund (so-called mutualiteit).
This insurance repays a part of the medical costs recognized by the National Social Insurance Institution (RIZIV). It also pays benefits in the event of incapacity to work. In Belgium, any resident can register with one of the recognized health insurance funds. Belgian health insurance costs about € 10 per month. This amount can vary slightly depending on the insurance company you choose.
What if I don't register with the health insurance fund?
If you do not register, you will have to pay all costs related to medical procedures, treatment, medications, hospital stay or other health services in Belgium. You will also not be entitled to remuneration in the event of prolonged sickness, childbirth supplement, etc.
What are my benefits if I register?
The health insurance fund covers a very large part of the costs of medical appointments, certain medications, part of the costs in the event of an accident, part of the salary in the event of illness, etc.
Will all treatment costs be reimbursed for the basic insurance package?
No, if you are in hospital, your health insurance benefits may not be sufficient. It is strongly recommended to purchase additional hospital insurance - it is a package that covers hospitalization and related costs.
Also, the costs of dental and orthodontic treatment are not fully reimbursed by the basic insurance package, depending on how complicated the treatment is. That's what packages like "Dentalia" are for. The scope of services for which costs are reimbursed and the details of individual insurance packages vary depending on the insurer.
Are you working through Accent and would like more information or help with your membership in the health insurance fund? Contact your consultant!
If you do not work through Accent, you can contact one of the insurance companies directly, such as, for example: Partena, Christelijke mutualiteit (CM), Bond Moyson, etc.