The Belgian Health Care system
All residents in Belgium, Belgian nationals or otherwise, are required by law to have an insurance which covers their health care.
Having a health insurance is also one of the conditions for international students who want to obtain a residence permit in Belgium.
This can either be
- a private medical insurance which covers their study stay in Belgium
- or; a document (such as EHIC, GHIC, Medicare, ...) which proves that they will benefit from coverage in Belgium through their public health insurer in their own country
- or; a proof of affiliation with a Belgian health insurance fund.
You can use your European Health Insurance Card or register with a Belgian health insurance fund:
- CM (Christelijke Mutualiteit)
- LM (Liberale Mutualiteit)
- Helan/Partenamut (Onafhankelijk Ziekenfonds)
- Neutraal Ziekenfonds
- Socialistische Mutualiteiten
- or Hulpkas voor Ziekte- en Invaliditeitsverzekering (HZIV - Auxiliary fund for sickness and invalidity insurance), a government organisation
Read more information for EEA students on the website of our partner institution KU Leuven.
Non-EEA nationals who are self-supporting
students whose scholarship does not include health insurance
If you are a national of a country with a (bilateral) health care agreement, you don't need to register with a Belgian health care fund. If you are not a national of one of these countries, you do need to register.
Read more information for non-EEA nationals on the website of our partner institution KU Leuven.