How the Belgian system works
Belgian health insurance is compulsory but not automatic: you choose and join a mutualité, which then reimburses part of your care according to the rates set by the INAMI.
Good to know
- Health insurance is compulsory in Belgium, and joining a mutualité is the only way to get it. The choice is free (Christian, liberal, free, neutral, socialist); the CAAMI, a public fund, charges no contribution but offers no complementary cover. Source
- Your electronic ID or residence card proves your cover: take it to hospital and to every medical appointment. At the pharmacy, the refund on prescribed medicines is deducted at the counter. Source
- Part of the fee remains yours to pay, the 'ticket modérateur'. With third-party payment you pay only that share and the mutualité pays the doctor the rest; since 2022 any provider may apply it, without being obliged to. Since 1 September 2025, doctors and dentists bill electronically: no more paper certificates to send. Source
- A 'conventionné' doctor charges the official rates; a non-conventionné doctor sets their own fees. Check before the first appointment in the INAMI search engine. Source
- The mutualité does not cover all hospital costs: additional hospital insurance, offered by mutualités or insurers, is strongly advised for a family. Source