Mutualité Libérale (Visit website, opens in a new tab)
Liberal health fund offering mandatory and supplementary cover.
Belgium
Statutory + privateHow health coverage works
In Belgium, health cover combines a statutory system with private insurance.
Everyone must join a health fund (mutualité / ziekenfonds), which reimburses part of medical costs. Many residents add a hospitalisation insurance from a fund or a private insurer.
Mandatory health funds (mutualités)
Mutualités Chrétiennes (CM) (Visit website, opens in a new tab)
Largest Belgian health fund, also offering supplementary hospitalisation cover.
Partenamut (Visit website, opens in a new tab)
Independent health fund with supplementary and hospitalisation plans.
Solidaris (Visit website, opens in a new tab)
Socialist health fund network with supplementary cover options.
Hospitalisation and private insurance
AG Insurance (Visit website, opens in a new tab)
Major Belgian insurer with hospitalisation and health plans.
Also offers
AXA (Visit website, opens in a new tab)
Insurer offering hospitalisation and health cover in Belgium.
Also offers
Ethias (Visit website, opens in a new tab)
Belgian insurer providing hospitalisation insurance.
Also offers
Mutualité Libérale (Visit website, opens in a new tab)
Liberal health fund offering mandatory and supplementary cover.
Mutualités Chrétiennes (CM) (Visit website, opens in a new tab)
Largest Belgian health fund, also offering supplementary hospitalisation cover.
Partenamut (Visit website, opens in a new tab)
Independent health fund with supplementary and hospitalisation plans.
Solidaris (Visit website, opens in a new tab)
Socialist health fund network with supplementary cover options.
Key facts
| Official source | INAMI-RIZIV |
|---|---|
| Insurers listed | AG Insurance, AXA, Ethias, Mutualité Libérale, Mutualités Chrétiennes (CM), Partenamut, Solidaris |
| Last reviewed |
Frequently asked questions
How does health insurance work in Belgium?
Everyone must join a health fund (mutualité / ziekenfonds), which reimburses part of medical costs. Many residents add a hospitalisation insurance from a fund or a private insurer.
Is private health insurance mandatory in Belgium?
It depends on your situation. Belgium combines a statutory system with private insurance; check the official source for who may choose which.
Which health insurers can I look at in Belgium?
Well-known insurers listed for Belgium, in alphabetical order: AG Insurance, AXA, Ethias, Mutualité Libérale, Mutualités Chrétiennes (CM), Partenamut, Solidaris. This is not a ranking or a recommendation.
Where can I find official information on health cover in Belgium?
INAMI-RIZIV: https://www.inami.fgov.be