While Belgium has a well-regarded public health system, many expats choose private health insurance to gain faster access to care, greater flexibility, and a wider network of international services. Top international providers like AXA, Allianz, and Cigna are popular with expats in Belgium.

Are you wondering which coverage you will need as an expat moving to Belgium? Are you debating whether to add maternity or dental care or concerned how pre-existing conditions will affect your plan options or premiums?

To help you make an informed choice, this Pacific Prime guide highlights the top 10 health insurance companies in Belgium. We review leading insurers based on affordability, flexibility, and expat-focused benefits, so you can find the plan that best fits your needs while living in Belgium.

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Top 10 International Health Insurance Providers for Expats in Belgium

Here are the top 10 international health insurance companies trusted by expats in Belgium:

• AXA
• Allianz Care
• April International
• Bupa
• Cigna
• HealthCare International Group
• VUMI
• IMG
• MSH International
• NOW Health International

If you’re in search of the best health insurance in Belgium for expats, these insurers offer a wide range of plans that will provide peace of mind and give you access to high-quality healthcare both in Belgium and worldwide.

Let’s take a closer look at what each insurer offers and the types of plans available.

AXA: Health Insurance Plans for Expats in Belgium

AXA is a leading global health insurance provider offering flexible plans for expats in Belgium. Coverage includes inpatient, outpatient, dental, vision, and maternity care medical transport, and more. 

Plans are customizable, with options to add dependents and choose flexible payment schedules.

Overview of AXA expat health insurance plans in Belgium:

• Foundation Plan: Budget-friendly coverage with inpatient hospital care, emergency treatment, medical transport, and lab tests.
• Standard Plan: Popular choice offering higher annual limits and additional dental benefits.
• Comprehensive Plan: Extended coverage including outpatient care, chronic condition treatment, and vision benefits.
• Prestige Plan: Premium protection with maternity care, annual wellness check-ups, and enhanced outpatient benefits.
• Prestige Plus Plan: Top-tier plan with annual benefits up to USD $8,000,000, ideal for expats seeking maximum protection.

More details on AXA’s expat health insurance plans in Belgium are listed below. Coverage levels may vary depending on the plan you select.

Allianz Care: Health Insurance Plans for Expats in Belgium

Allianz Care is a top international health insurance provider offering tailored plans for expats and their families in Belgium. With access to over 1.9 million medical providers worldwide, Allianz Care provides flexible coverage for both local and international healthcare needs.

Overview of Allianz Care expat health insurance plans in Belgium:

• Care Plan: Entry-level coverage with semi-private hospital rooms, oncology treatment, medical evacuation, home nursing, rehabilitation, and emergency outpatient care.
• Care Plus Plan: Builds on the Care Plan with private hospital rooms and emergency dental treatment for added comfort and convenience.
• Care Pro Plan: Comprehensive coverage with higher benefit limits, preventive surgery, and laser eye treatment for expats seeking wider protection.

More details on Allianz Care’s expat health insurance plans in Belgium are listed below. Coverage levels may vary depending on the plan you choose.

April International: Health Insurance Plans for Expats in Belgium

April International offers flexible MyHealth International plans designed for expats and their families in Belgium. With multiple tiers of coverage, these plans range from essential emergency care to fully comprehensive protection, making them suitable for different needs and budgets.

Overview of April International expat health insurance plans in Belgium:

• Emergency Plan: Entry-level coverage with USD $250,000 annual benefits, including hospitalization for emergencies, cancer care, and medical repatriation. Outpatient, dental, and vision care are not included.
• Formule Basic: USD $500,000 annual coverage with full hospitalization, comprehensive cancer treatment, low-level outpatient care, basic dental (USD $500/year), and vision (USD $150 every two years).
• Essential Plan: USD $1,000,000 annual benefits with full hospitalization, enhanced outpatient care, maternity coverage (up to USD $3,000), stronger dental (USD $1,000/year), vision (USD $250 every two years), and partial private room coverage.
• Comfort Plan: Extensive coverage including full hospitalization, advanced cancer care, maternity (up to USD $6,000), higher outpatient and preventive care, dental (USD $2,000/year), vision (USD $500 every two years), and full private room coverage.
• Premium Plan: Top-tier coverage with advanced hospitalization, maternity (up to USD $12,000), premium cancer care, dental (USD $4,000/year), vision (USD $700 every two years), and full private room coverage.

More details on April International’s MyHealth plans for expats in Belgium are listed below. Coverage levels may vary depending on the plan you select.

Bupa Global: Health Insurance Plans for Expats in Belgium

Bupa Global is one of the world’s leading international health insurance providers, offering premium expat plans with access to a global network of specialists. Coverage includes pre-existing conditions, cancer treatment, mental health support, preventive care, and more.

Overview of Bupa Global expat health insurance plans in Belgium

• Major Medical: Entry-level plan covering major inpatient care, medical evacuation, and repatriation. Focused on emergencies and high-cost treatments, it excludes routine checkups and wellness care.
• Select: Regional coverage including routine screenings, health checks, and medical evacuation services. Ideal for expats who want both emergency and basic everyday healthcare.
• Premier: Adds dental care, optical benefits, and vaccinations to the Select plan. A mid-tier option for broader day-to-day healthcare coverage.
• Elite: Bupa’s most comprehensive plan, covering maternity care, complementary therapies, evacuation, repatriation, and extensive wellness services. Perfect for expats and families seeking maximum protection.

More details on Bupa Global’s expat health insurance plans in Belgium are listed below. Coverage levels may vary depending on the plan you choose.

Cigna Global: Health Insurance Plans for Expats in Belgium

Cigna Global is a top international health insurance provider, trusted by expats in Belgium. With 24/7 multilingual support, access to over 1.5 million hospitals and clinics worldwide, and coverage in more than 200 countries, Cigna provides flexible and reliable protection for expats and families.

Overview of Cigna Global expat health insurance plans in Belgium

• Silver Plan: Essential coverage including inpatient and day-patient care, palliative care, transplant services, mental health support, and emergency hospitalization outside your coverage area.
• Gold Plan: Builds on Silver with added benefits for emergency treatments, advanced imaging, rehabilitation, home nursing, obesity treatment, and congenital conditions.
• Platinum Plan: Most comprehensive plan with extensive inpatient care, transplant services, palliative care, hospital accommodation for a parent or guardian, and complementary therapies such as acupuncture.

More details on Cigna Global’s expat health insurance plans in Belgium are listed below. Coverage levels may vary depending on the plan you choose.

HealthCare International Group: Health Insurance Plans for Expats in Belgium

HealthCare International Group (HCI) offers flexible international health insurance solutions tailored for expats in Belgium. Their flagship product, NIMBL Health, is designed for those who want customizable plans with different levels of protection and budget options.

Overview of HealthCare International Group’s expat health insurance plans in Belgium

With four annual benefit cap levels (USD $250,000, $1,000,000, $2,000,000, and $3,000,000, NIMBL Health makes it easy to match your coverage to your needs. Flexible deductibles are also available to help reduce premiums.

All NIMBL Health plans include inpatient treatment, cancer coverage, and emergency dental care as standard. For expats who need broader coverage, optional add-ons such as outpatient treatment, maternity coverage (for group plans only), dental benefits, and emergency evacuation can be included.

More details on HealthCare International’s NIMBL Health plans for expats in Belgium are listed below. Coverage amounts may vary depending on the benefit level you select.

VUMI: Health Insurance Plans for Expats in Belgium

VUMI is a premium international health insurer offering tailored coverage for expats in Belgium. Known for its extensive global medical network, in-house claims support, and outstanding customer service, VUMI is a trusted choice for expats seeking peace of mind while living abroad.

Overview of VUMI’s expat health insurance plans in Belgium:

• Global Flex VIP Basic: An affordable entry-level plan that covers essential healthcare needs, providing reliable protection at a lower cost.
• Global Flex VIP Standard: A mid-tier option with broader coverage than the Basic plan, balancing affordability and benefits.
• Global Flex VIP Superior: Offers strong protection with added maternity and optical benefits, though dental is excluded.
• Global Flex VIP Ultra: Builds on the Superior plan by adding dental coverage and higher benefit limits across key services.
• Global Flex VIP Total: The most comprehensive option, including full inpatient and outpatient care, maternity, dental, optical, rehabilitation, mental health support, and palliative care.

More details on VUMI’s Global Flex VIP plans for expats in Belgium are provided below. Coverage amounts and benefits vary depending on the plan you select.

IMG Global: Health Insurance Plans for Expats in Belgium

IMG Global is a trusted international health insurance provider offering flexible and comprehensive coverage for expats and their families in Belgium. With four tiers of plans available, expats can choose annual benefit limits ranging from USD $1,000,000 to $8,000,000 per person.

All IMG Global plans include essential benefits such as emergency medical evacuation, prescription drug coverage, and access to a worldwide healthcare network. This ensures peace of mind not only while living in Belgium but also when traveling internationally.

Overview of IMG Global’s expat health insurance plans in Belgium:

• IMG Bronze Plan: An entry-level plan covering inpatient surgeries, outpatient treatment, physical therapy, prescription drugs, ambulance services, and medical evacuation.
• IMG Silver Plan: Expands on Bronze with higher limits, making it ideal for expats who want broader protection at an affordable price.
• IMG Gold Plan: A comprehensive option that includes full inpatient and outpatient benefits, higher limits for services, and lifetime coverage for medical evacuation.
• IMG Platinum Plan: The most extensive tier, covering maternity and newborn care, congenital conditions, and newborn wellness services not available in lower plans.

More details on IMG Global’s expat health insurance plans in Belgium are outlined below. Coverage limits and benefits vary depending on the plan you select.

MSH International: Health Insurance Plans for Expats in Belgium

MSH International is a leading global health insurance provider offering flexible and comprehensive coverage for expats in Belgium. Established in 1974, MSH now supports over 3.5 million individuals worldwide through five regional headquarters and 21 local service offices.

Expats choosing MSH International benefit from access to a vast international network of healthcare providers, customizable coverage options, and additional life and disability protection, making it a popular choice for those relocating to Belgium.

Overview of MSH International’s First’Expat+ plans in Belgium:

• Hospi Plan: Focused on hospital care and emergency medical evacuation. Annual benefit limits range from USD $625,000 (Quartz) to $3,750,000 (Diamond).
  
• Health Plan: Expands protection to include routine medical care, third-party liability, and legal assistance, in addition to hospital services.
  
• Health+ Plan: Adds vision and dental benefits to the standard Health Plan.
  
• Health+Child Plan: Designed for expat families, this plan provides the most comprehensive coverage, including maternity care.
  

All MSH International Hospi plans cover hospitalization and medical evacuation. Coverage levels vary across four tiers: Quartz, Pearl, Sapphire, and Diamond, with Quartz providing the most basic protection and Diamond offering the highest annual benefit limits.

More details on MSH International’s expat health insurance plans in Belgium are outlined below, with coverage amounts depending on the plan and tier you select.

NOW Health International: Health Insurance Plans for Expats in Belgium

NOW Health International provides comprehensive international health insurance solutions for expats, families, and students in Belgium. With worldwide coverage options and the option to include the USA, NOW Health is designed for global citizens who need reliable protection both at home and abroad.

Their flagship product, WorldCare, offers four tiers of coverage, each with varying benefit limits and optional add-ons. Expats can also lower premiums by selecting a copay (per visit excess).

Overview of NOW Health International’s WorldCare plans in Belgium:

• WorldCare Essential: Entry-level coverage with an annual limit of USD $3 million. Includes essential inpatient and outpatient care, with optional dental and physiotherapy add-ons. Maternity is excluded at this tier.
• WorldCare Advance: Increases the annual limit to USD $3.5 million and provides enhanced outpatient coverage. Optional dental benefits are available. Groups of ten or more may add routine maternity services, though individuals and families cannot.
• WorldCare Excel: Offers an annual limit of USD $4 million, with expanded coverage for routine and complex dental care as well as rehabilitation benefits. Maternity remains limited to group plans.
• WorldCare Apex: The most comprehensive tier with an annual limit of USD $4.5 million. Includes built-in coverage for routine dental and maternity care, plus extensive inpatient and outpatient benefits. Copay options are available to help reduce premiums.

More details on NOW Health International’s WorldCare plans for expats in Belgium are provided below, with annual benefit limits varying by tier.

Health Insurance for Expats in Belgium

Belgium offers one of Europe’s most reputable healthcare systems, blending compulsory public coverage with the option for supplementary private insurance.  

As an expat, you’ll be required to register with a Belgian health insurance fund (mutuelle/mutualiteit) to access the public system, but many choose to complement this with private coverage for faster access to specialists, private hospital rooms, or additional benefits.

Private insurers may apply waiting periods or charge higher premiums depending on your health history. By combining public coverage with the right level of private protection, you can ensure comprehensive care that suits both your medical needs and your budget during your stay in Belgium.

Public Healthcare in Belgium

When you become a legal resident in Belgium, whether through employment or other means, you’re required to register with Belgian social security and join a mutualiteit (Dutch) or mutuelle (French), which are non-profit health insurance funds that administer basic healthcare coverage. 

This membership allows partial reimbursement (typically around 75%) for doctor visits, hospital stays, prescriptions, and other services. If annual out-of-pocket expenses exceed an income-based threshold, the Maximum Billing System caps further costs, ensuring full insurance coverage afterward.

Expat workers are automatically enrolled via their employer, but non-employed residents must register independently. EU/EEA and UK nationals can also use the EHIC or GHIC cards for short-term access, though long-term residents need to register locally.

Why Expats in Belgium Often Choose Private or International Insurance

While Belgium’s public healthcare system is strong, it may not cover 100% of medical costs, especially if you see an unregulated provider or if you need extras like dental, maternity, or vision coverage. Private insurance plans cover these gaps found in public healthcare.

Private plans, such as international health insurance plans, offer:

• Faster access to care and direct billing networks
  
• Broader coverage, including dental, mental health, or maternity services
  
• Continuity of care across different countries for mobile expats
  

Healthcare Requirements for Students and Short-Term Residents in Belgium

Students and short-term residents in Belgium are required to have health insurance that meets the country’s legal standards. If you’re an EU/EEA or Swiss citizen, you can use your European Health Insurance Card (EHIC) to access public healthcare services at the same cost as Belgian residents. 

However, it’s still recommended to register with a Belgian health insurance fund if you plan to stay for more than a few months.

For non-EU students or temporary residents, proof of health insurance is usually required as part of the visa or residence permit application process. You’ll need either:

• Enrollment in a Belgian mutualité/mutualiteit (public health insurance fund) if you qualify, or
  
• A private health insurance policy that covers medical costs during your stay.

Universities in Belgium often guide international students through the registration process. Short-term residents who are not eligible for the public system usually rely on international health insurance to cover outpatient care, hospital visits, and emergency treatment.

In summary, whether through the EHIC, Belgian public insurance, or a private plan, all students and short-term residents must maintain valid health coverage to ensure access to care and to meet visa requirements.

How to Compare Health Insurance Quotes in Belgium

Finding the best health insurance in Belgium starts with comparing quotes from different providers. With so many insurers and plan options available, knowing what to look for will help you secure the right coverage at the right price.

When reviewing health insurance quotes in Belgium, keep these key factors in mind:

• Coverage Level: Check that the plan includes essential medical services such as doctor consultations, hospital stays, surgeries, and emergency care.
  
• Deductibles and Copayments: Understand how much you’ll need to pay out of pocket before coverage begins and what portion you may be responsible for with different services.
  
• Additional Benefits: Look for extras that may add value, such as dental, maternity, vision care, alternative therapies, or even travel insurance.

It’s also important to ask the right questions when comparing quotes, such as:

• What is the annual or lifetime coverage limit?
  
• Are there exclusions or waiting periods for pre-existing conditions?
  
• How are claims processed, and what is the average reimbursement timeframe?
  
• Does the plan include a preferred provider network, and what happens if you use out-of-network services?

By weighing these factors and asking clear questions, you’ll be better equipped to choose a health insurance plan in Belgium that balances affordability with comprehensive coverage.

For added peace of mind, consider speaking with a licensed insurance broker who specializes in expat health insurance in Belgium. A broker can simplify the process, provide personalized recommendations, and help you navigate the fine print.

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Why Use a Broker for Health Insurance in Belgium

For expats living in Belgium, navigating the health insurance system can be challenging. With numerous insurers, a variety of plan options, and different levels of coverage, choosing the right policy on your own can quickly become overwhelming.

This is where a health insurance broker like Pacific Prime can make the process much simpler. A broker provides expert guidance tailored to your needs, explains how the Belgian healthcare system works, and helps you compare plans side by side in a clear and transparent way.

Key advantages of working with a health insurance broker in Belgium:

• Expert knowledge of the Belgian health insurance market
• Access to multiple international and local insurers in one place
• Personalized advice to find coverage that matches your lifestyle and budget
• Ongoing support with applications, claims, and policy administration

At Pacific Prime, we go beyond traditional brokerage. Our team offers free value-added services like claims assistance, policy management, and ongoing expert advice at no extra cost. Best of all, we help you compare top providers and recommend the best plans that truly fit your needs and budget.

Ready to secure your health in Belgium? Contact us today, and we’ll help you find the best expat health insurance plan tailored just for you.

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Frequently Asked Questions

Do I need additional insurance if I already have coverage in my home country?

Getting international health insurance in Belgium is recommended. Many home country policies do not cover medical expenses abroad or may only provide limited emergency care. An expat health insurance plan ensures you have comprehensive coverage and seamless access to healthcare in Belgium.

How do I compare health insurance quotes in Belgium?

When comparing health insurance quotes in Belgium, focus on key factors like coverage levels, deductibles, and premiums. Make sure the plan includes essential services such as inpatient and outpatient care, and consider optional add-ons like dental, maternity, or vision benefits. 

Can non-EU citizens purchase health insurance in Belgium?

Non-EU citizens can purchase health insurance in Belgium. Many international insurers provide tailored plans for expats, including those from outside the EU. These plans typically offer full coverage and access to Belgium’s healthcare system, ensuring peace of mind while living abroad.

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Napasrapi Triemthana

Napasrapi Triemthana, best known by his nickname “Tawan,” is an upcoming content creator at Pacific Prime Thailand. He is a fresh graduate in English from the Faculty of Arts, Chulalongkorn University, where he developed knowledge in literature and culture, while also building up experience writing both academically and professionally compelling essays and articles. Before joining Pacific Prime’s content team, Tawan had been in an internship at a top e-commerce company in Thailand, during which he had a chance to write blog posts and short articles for the company’s website and social media. During college, Tawan also worked part-time as a Thai-English translator and proofreader for the Faculty of Dentistry, Chulalongkorn University’s academic journals.

With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs. Tawan firmly believes that words have power that can shape the world for the better.

In his free time, Tawan loves to pick up his Nintendo Switch and wield his Master Sword in Hyrule’s dungeons. He is also an avid sci-fi books/shows enjoyer. You can spot him hanging around bookstores and game shops all day long!

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