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Health & medical insurance in Belgium

Want to find out more about health insurance in Belgium? To start with, it’s good to know that it’s compulsory for all residents to pay a contribution to the state healthcare system, which is sometimes organised by employers. This scheme, known as Mutualité/Ziekenfonds, means you’ll have partial insurance coverage for many public healthcare services, like doctors’ and hospital visits, and you’d need to pay the rest.

Many expats choose to take out international private health insurance as well as this1, for more complete coverage and access to private healthcare services. If you’re looking for the reassurance you need to enjoy your new home, whilst working, studying or retiring in Belgium, then read on to find out more about how we can help you.  

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We’re by your side in an emergency

We’ll be there to support you, especially when you need us most. In an emergency, you’ll know you’re covered for ambulance transport, which isn’t covered by the public scheme in Belgium, as well as overnight stays in hospital and surgery.

All our plans cover emergency evacuation and repatriation, so if you can’t get the treatment you need locally, we’ll get you to where you can, and back again. We know this can be expensive, so we don’t take this out of your overall benefit allowance.

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Speak to a doctor from wherever you are

When you’re somewhere new, it can take a while to adjust to using a new healthcare system. But things like booking a doctor’s appointment shouldn’t have to be complicated.

With the Virtual Doctor service from AXA, you can book a medical consultation with a real doctor on the phone or by video chat – at a time that suits you2, from anywhere in the world. What’s more, you can use the service as much you need to and you’ll never be charged for it, because it’s already included in your cover. You’ll also be able to choose from a range of languages, so no need to worry about language barriers. Many of the doctors can often help you understand your local healthcare system a little better, if you need any help.

Doctor taking patients blood pressure

Comprehensive coverage, in and out of hospital

Avoid many out-of-pocket payments and possible longer waiting times, with our private health insurance plans in Belgium. You can rest easy, knowing you’re covered for for CT, MRI and PET scans, as well as surgical procedures, radiotherapy and chemotherapy, on all our cover levels. With some of our plans, you can also have additional cover for out-patient treatments which may be only partially covered on the public scheme, so you can avoid a surprise bill.

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Supporting you all the way

With our international health insurance, you’ll know we’re here for you 24/7, to answer any questions you may have about your cover and how to use all of its features and benefits. You can trust our teams to help you, as our business-wide customer service is rated 4.7/5, by our members3.

Everything you need is online, whether it’s how to make a claim or find a medical provider near you, wherever you are. Our teams work round-the-clock to process your claims, meaning that over 80% are paid within just two days4. So you can focus on your recovery, and explore your new surroundings. 

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Wellbeing support

To get the most out of your time in Belgium, it can help to know what to expect when you’re there and how to deal with some of the challenges you might face. Our Wellbeing Hub offers useful information on healthcare systems around the world, expat lifestyle, emotional wellbeing, pregnancy and more. It’s there to help you settle in to somewhere new, and look after your wellbeing, no matter where you are.

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Give us a call on +44 (0)1892 596418*.

International health plan

Dental Care

Many dentists in Belgium work privately1, which means their fees aren’t covered by the public scheme. With our international health insurance, there are plenty of reasons to smile. Dental treatment is available with most of our cover levels, with optional additional cover for routine treatments, such as check-ups, scale and polish appointments, or crown replacements.

Pregnancy and maternity benefit

Pregnancy Cover

Some of our cover levels include pregnancy cover, to cover the costs of routine appointments and childbirth. There’s no need to worry about when you can speak to a midwife or ‘Medical Social Worker’ in Belgium, as you can speak to our team of midwives over the phone, 7 days a week. 

*Lines are open Monday to Friday, 8am-5pm (GMT).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.


2 Appointments are subject to availability. You do not need to pay or claim for a consultation but you will be charged for the cost of the initial phone call when using the call back service. Telephone appointments are available 24/7/365 and call-backs are typically within 24 hours. Video appointments are available between 08.00 and 00.00 UK time, Monday to Friday. Video appointments in German are available between 08:00-20:00 CET, Monday to Friday. The Virtual Doctor service is provided by Teladoc Health. 

Customers rated our service 4.8 out of 5 stars via the Stella Connect feedback tool between March 2021 – February 2022 (average over 12 months), based on 21,766 responses.

82.9% of eligible claims submitted online between January 2021 and December 2021 were paid within 2 days.