Insurance

The health insurance fund or social security

In Belgium, it is mandatory to be affiliated with a health insurance fund if you want reimbursement of medical expenses. A large part of your bill is then paid directly by the health insurance fund. Some health insurance funds also reimburse certain additional costs in case of (day) hospitalization. Be sure to check with your health insurance fund about what applies to you.

On the website of the RIZIV there is a list with contact information of all Belgian health insurance funds.

The hospitalization insurance

A hospitalization insurance is a supplementary insurance for the costs of hospitalization that are not covered by the health insurance fund. Some insurance companies meet the supplementary costs of a (day) hospitalization. Have you taken out hospitalization insurance? Please inform your insurer in advance in case of a planned hospitalization.

You can mention that you have hospitalization insurance (card, name insurer, policy number) when registering for admission or day hospitalization. Usually, you have to pay the hospital bill yourself and claim the cost back from your insurance afterwards. Do not hesitate to contact your health insurance or insurance company about this.

Agreements exist, however, with some health insurance funds and insurance companies to present the supplementary costs directly to them for payment. In this case, you should report this upon admission.

Patients with hospitalization insurance with DKV 

Notify the admission and reception service that you have hospitalization insurance. This service will then send a notification of admission to the insurance company. After receiving confirmation of your membership from the insurance company, the invoice will be sent directly to the insurance company. 

Patients with hospitalization insurance with Medi-Assistance (AXA or AG), Medi-Link (Van Breda Insurance) or Assur Card

Notify your insurance company of your admission. Report to the admissions and reception department that you have hospitalization insurance. Upon receipt of confirmation of your membership from the insurance company and collection of the deductible provided in the policy, the invoice will be sent directly to the insurance company.