Health insurance guidance for your foreign talent

For many people moving from abroad, finding out how the local health care system works can take a minute but can also create additional stress and anxiety. People want to be sure they have access to health providers near them without facing unpleasant financial surprises. At Relocation Belgium, we ensure that your international employees and their families are fully supported and informed to take part of the Belgium’s high-quality healthcare system. Belgium ranks 13th globally for healthcare quality, as per the 2025 Health Care Index.

Public health insurance: The basics

All employees of Belgian companies are automatically insured under the Belgian public health insurance system (ziekenfonds/ caisse d'assurance maladie) from their first working day, even before they register with a specific insurer. However, formal registration is essential to access full benefits and ensure family members are covered.

We guide your employees through this process, helping them choose and register with a public health insurer such as:

• Flanders: Helan, Christelijke Mutualiteiten (CM)
• Wallonia: MC,  
• Brussels: MC, Mutualia, Partenamut

Once registered, their Belgian ID card becomes their health insurance card, used at hospitals, pharmacies, and clinics.

Depedends

Spouses and children of an insured worker are automatically covered under the same plan. However, this is only activated when they are registered in the commune (link toevoegen naar de blog Registration townhall).

What’s covered?

For a s monthly fee (around €10), employees receive substantial reimbursements:

• 60–70% of general medical costs
• Up to 80% if the doctor follows Belgian healthcare conventions

We also assist with:

• Understanding reimbursement procedures
• Using personalized stickers or digital systems for claims

Additional Contributions: Zorgpremie

In Flanders, residents aged 26+ are required to pay an annual zorgpremie (care contribution). This supports long-term care services for the elderly and people with special needs.

In Wallonia and Brussel, this contribution is generally not mandatory, unless the employee works in Flanders. We help assess each case and ensure compliance.

Dentists, Pharmacies & Hospitals

Relocation Belgium offers:

• Lists of local doctors and specialists
• Help setting up a global medical file (globaal medisch dossier)
• Guidance on choosing convention-following providers
• Support for chronic conditions and medication continuity

We also explain the three-month waiting period for hospitalization insurance and help employees understand their supplementary coverage options such as hospitalization insurance.

Read more about our full package relocation support.

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