Everyone expects something different from his or her life

Everyone expects something different from his or her health insurance

Business & Expats Health insurance

Welcome to Belgium!
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Are you an expat?
Welcome!
How does the Belgian social security system work?

Belgium has an effective social security system from which you can benefit as an expat. The Belgian social security system is
funded by the State and the contributions collected by the NSSO (National Social Security Office).
The INAMI/RIZIV (National Institute for Health and Disability Insurance) organises and manages mandatory healthcare insurance.
Among other things, it defines the rules for reimbursement of healthcare services.

What about my health insurance organisation?

Your health insurance organisation is the interface between citizens and the INAMI/RIZIV. You submit your reimbursement claims
to your health insurance organisation, and we support you throughout your health procedures!
And a health insurance organisation offers its customers more: at Partenamut, you benefit not only from additional reimburse-
ments for your healthcare, but also for joining a sports club or for your children’s holidays.

Consulting a general practitioner (GP) or In case of hospitalisation

specialist In Belgium, your health insurance organisation reimburses
You can consult a GP or specialist of your choosing. The fees you for most medical and hospitalisation fees according to
depend on the status of your GP, i.e. whether or not he or she the rates set by the INAMI/RIZIV. You will have to pay your
has signed up to the national agreement on fees and reimburse- remaining share of the fees. These fees may vary from one
ments. GPs who have signed up to that national agreement do hospital to another, from one GP to another (signed up or not)
not apply supplements to their fees (such supplements are not and depending on the accommodation you opt for.
covered by the health insurance organisation).
Your health insurance provider will reimburse you for most of the If you opt to stay in a private hospital room, you will always
Just arrived in Belgium cost of a consultation with a GP who has signed up. You will only have extra fees to pay.
and need health have to pay the patient contribution.
insurance for you or At the pharmacy
At the hospital reception, present your ID card (Belgian identity
card, residency card or diplomatic card). The hospital will send
your family? Would At the pharmacy, you only pay your personal share: the rest is the costs covered by the mandatory health insurance directly
you like to change covered by the health insurance organisation. To benefit from to your health insurance organisation.
your health insurance? this system, you need to present one of the following docu-

Business & Expats ments along with your prescription: You will receive an invoice from the hospital for the fees not
covered by the mandatory health insurance. You can then
Health insurance offers ƒ A Belgian ID card or an isi+ card with a sticker claim reimbursement for these fees from your private insur-
you multiple insurance ƒ A diplomatic document with a sticker ance company.
solutions as well as Don’t have these documents? In that case, you will have to pay Don’t have private insurance? Hospitalia may be the solution
advice from our experts, the full amount and request a BVAC ticket or “Appendix 30” doc- you need!
enabling you to manage ument. To obtain reimbursement, send your original document
your health easily. to: Partenamut, Boulevard Louis Mettewie 74/76, 1080 Brussels.

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What if I can’t work any longer? Travelling abroad
If you are unable to work (illness, accident, pregnancy, etc.), Always carry your European Health Insurance Card (EHIC)
we will pay you a replacement income subject to certain when travelling abroad. You can order one easily from your
­conditions. online service desk before you leave.

Incapacity for work Thanks to our health insurance, you can benefit from emer-
In case of incapacity for work, you can receive a replacement gency assistance in the EU from the Mediphone Assist centre,
income if you are in one of the following situations. which you can reach by phone 24/7 on +32 2 778 94 94. In
case of a problem, call Mediphone Assist as soon as possible to
ƒ You have contributed to the Belgian social security system be guided through the process
for at least 12 months;
ƒ You have contributed to the social security system of a What if you leave Belgium?
different European country and can provide a valid In that case, please just contact us. We will put your medical
E104 document. records in order. If you are going to another EU Member State,
we can provide you with an E104 document. That document
If you have just graduated or if you were employed in another summarises all periods of insurance, employment and residen-
European country, the waiting period can be cancelled in some cy in an EU Member State.
cases, and you can benefit from a replacement income immedi-
ately.

Maternity
The duration of maternity leave in Belgium is 15 weeks for em- All Partenamut benefits
ployees and 12 weeks if you are self-employed. This duration Partenamut offers you numerous benefits and better
may vary in certain cases (multiple births, baby hospitalised). reimbursements not only in the area of health, but also
sport, well-being and holidays, for just €11,75 per month.
The duration of paternity leave in Belgium is a maximum of 15 In addition, taking advantage of your benefits and claiming
days (since 1 January 2021 and for employees only). your reimbursements is very easy with your online service
desk!
Send us the birth certificate provided by the Belgian town hall
as soon as possible to benefit from the replacement income for
maternity or paternity leave.

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Your benefits
Birth and early childhood

Consultations Vaccinations Family or household

100% reimbursement of the Up to €35/year per child (for all assistance
statutory patient contribution for vaccinations combined) for registered Up to €200/year: €5/hour or per
treatment of children under the age recognised in Belgium. service voucher up to 40 hours/ser-
of 18 by a GP, specialist doctor or vice vouchers per year in case of birth,
physiotherapist provided you have a adoption or hospitalisation of a child.
Global Medical File (GMF). Equipment hire (breast pump, If you are a Family Carer, this as-
aerosol, etc.) sistance can go up to €350/year for
3 months free for aerosol, baby scales household or family assistance (max.
Birth or adoption allowance and breast pump with sterile kit if 70 x €5 per hour/service voucher).
€350 for each child (registered as a ordered from us. For the other items,
dependent). 50% of the fees reimbursed for equip-
ment hire from us (capped at €75/ Purchase of an enuresis alarm
year for hire elsewhere). Reimbursement of 50% of the
Pre- or postnatal Contact Partenamut Solutions & ­invoice, up to €65.
physiotherapy; assistance Assistance on 02 549 76 70. Prevention and screening
during delivery
Up to €100/birth for mother and
child (€5/session, up to 20 sessions/ Purchase and rental in Stop smoking Vaccinations (all vaccinations Health and meditation apps
birth). PartenamutShop Up to €50/year to buy drugs or recognised in Belgium) - Up to €20/year on the annual
10% discount on all purchases and nicotine substitutes purchased on pre- Up to €35/year (for all vaccinations subscription to Calm, Petit BamBou,
reimbursement of 50% of rental costs. scription from a pharmacy in Belgium combined). Insight Timer or Headspace.
Neonatal screening for deaf- or in neighbouring countries. - Up to €20/year for the use of an app
ness prescribed by your GP or on mHealth
€10 reimbursement (included in the Screening Belgium list.
“screening” cover of a maximum of We reimburse up to €90/year For allergies, hearing problems,
5 x €10/year). for sport! cancers, cardiovascular diseases,
- Up to €50/year for membership of diabetes, osteoporosis, respiratory Contraception
a club diseases and/or ophthalmological Up to €40/year for the following con-
Home childcare for sick - Up to €30/year to participate in a testing. Up to €50/year (€10/con- traceptives: pill, contraceptive patch
children sporting event (3 x €10/event) sultation and/or screening prescribed or injection, vaginal ring, diaphragm,
18 days/year for a professional home - €10/year for sports medical exam by a GP). IUD, implant or condoms (purchased
childcare service for sick children in pharmacy). (IUD and implant: pay-
(contribution of €3/hour) for children ment of €120/3 year period).
under the age of 15. Annual preventive dental
check-up
100% coverage provided you have a
Global Medical File (GMF).

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Your benefits “It’s made my life
easier as I can now
manage my health
Healthcare insurance from home
or the office!”
Elena, age 35

Optical Psychology Psychomotricity

Frames, corrective lenses, contact Reimbursement of up to €320/year Up to €750/year: €10/session.
lenses: up to €75 every 2 years. for consultations with a psychologist:
Intraocular lens: €50/eye - one-off Max €20/session x 16 sessions/year.
reimbursement. You also benefit from 5 calls per year Orthodontics
Laser operation: €100/eye - one-off to our psychological listening and sup- Up to €450 or €825/treatment
reimbursement. port line (freephone 0800 88 080). (if approved by the medical advisor):
€75 for first-line treatment
€375 for fitting a device or €750
Diet Treatment of allergies if there are serious malformations.
Up to €60/year: €15/session x 4 ses- Up to €75/year for one course of
sions/year (up to 12 sessions/year treatment using desensitisation
for certain illnesses). agents (max. 3 consecutive years per Homoeopathic products
lifetime) Up to €75/year: 50% of the price
Up to €25/year for the purchase paid.
Hearing of allopathic antihistamines (€5 per
Up to €60/ear for the purchase of a antihistamine drug purchased).
hearing aid (every 5 years and where Up to €50/year for screening exams Pedicure
covered under mandatory health (€10 per screening). Up to €30/year: €5/session x 6 
insurance) sessions/year - on medical certificate
€35 reimbursement for compre- if < age 65.
hensive insurance for a hearing aid Speech therapy
(once every 5 years, per ear). Up to €1,000: €5/session - if not
€30 reimbursement for the purcha- covered under mandatory health Podiatry insoles
se of a pair of custom earplugs insurance. €25/year/sole, via a podiatrist only.
from an audiologist accredited by the Tomatis Method: €2.50/session.
INAMI/RIZIV (every 5 years). Reimbursement of statutory patient
contribution, if you have a Global
Medical File (GMF) for the sessions:
Alternative therapies - under 18 year old
Homoeopathy, osteopathy, chiroprac- - people who have stayed in intensive
tic care, acupuncture, mindfulness, care following Covid-19 who are the
mesotherapy, shockwave therapy, subject of an intervention of Com-
sophrology. Up to € 100/year: pulsory Health Insurance, within
€10/session x 10 sessions/year 6 months of hospitalisation.
(for all disciplines combined).

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Your benefits
Serious and chronic diseases Home assistance and help

Home care Personal assistance Family Carers (as per the

Up to €1,000/year for home care of Free help through our Partenamut criteria set out by the health
ill or disabled persons. Solutions & Assistance service. insurance organisation)
Coordination of care, family assistan- Up to €350/year for a family or
ce, equipment, home help, alarm home help (max. 70 x €5 per hour/ Rental and purchase of
Psychological counselling system, etc. service voucher) medical equipment
Additional sessions depending on Contact 02 549 76 70. Up to €320/year for a course of 50% of the fees reimbursed for
the illness up to €320/year - €20/ treatment by a psychologist qualified equipment hire from us (capped at
session x 16 sessions. to degree level or with a master’s in €75/year for hire elsewhere). Purcha-
Family or home help psychology (€20/session for16 sessi- se of equipment at special rates with
Up to €750/year: €0.75/ hour/ser- ons/year). Partenamut Shop.
Cancer vice voucher, max 1,000 hours/ser- Up to €980/year - €35/day for the Contact 02 549 76 70.
Special clothing: up to €75/year vice vouchers per year for members family carer (recognised by
(if no mandatory health insurance with BIM (increased reimbursement) Partenamut) who supports someone
cover). Enteral feeding by tube: status. convalescing - maximum 28 days/ Non-emergency transport
up to €25/month. Up to €300/year: €5 /hour or per year. Transport to or from a hospital, reha-
service voucher, up to 60 hours/ Up to €250/year for courses and bilitation centre, convalescence home
service vouchers per year in case of trips for recognised young family ca- or nursing home via ambulance/taxi/
Diet long-term treatment (radiotherapy, rers (max. €12.50/day and 20 days/ adapted vehicle:
Additional sessions depending on chemotherapy, immunotherapy, year). • 50% of invoice with a max of €750/
the illness up to €180/year with a dialysis). year.
dietician or a nutritionist (€15/session • If BIM (increased reimbursement)
for 12 sessions/year). Personal alarm system status: 75% of invoice with a max of
Home adaptation (Télé-Secours) €750/year.
Free advice from an occupational Discount on the rental of a remote • 100% of the invoice capped at
Burnout therapy expert. assistance device. €200/month in case of dialysis,
€25 for the diagnosis made in a speci- Diabetes Contact 02 549 76 70. chemotherapy, immunotherapy or
alist centre (Stress Clinic at Brugmann Up to €160/year (50% of the invoi- radiotherapy
University Hospital, University of Liè- ce) for the purchase of strips, lancets, Home modification bonus • Third-party payment system applied
ge, European Institute for Intervention blood glucose sensor patches and Up to €350 for those aged 65 and Reception in a day or by our carriers that have signed up to
and Research on Burnout). insulin needles. Diabetology educator: over who have used the Partenamut night centre the national agreement on fees and
up to €60/year (€20/consultation). Solutions & Assistance service. Up to €300/year - €6/day or night reimbursements for all transport.
Other cover for a blood glucose moni- (max. 50 days or nights/year).
tor, pedicure, etc. The third-party payment system is ap-
Short stay in a nursing home plied by our carriers that have signed
Up to €420/year. €30/day - max. up to the national agreement on fees
14 days per year. and reimbursements.
Contact 02 549 76 70.
078/15 50 91

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Your benefits
Hospitalisation and convalescence

Transport for hospitalisation Major burns Convalescent stay

Emergency transport: up to €1,000/ Up to €500/year for protective Up to €980/year
year for transport by helicopter (50% clothing (50% of the invoice if no (€35/day - max. 28 days/year).
of the fees remaining after mandatory mandatory health insurance cover).
health insurance cover).

Trips and holidays School trips, courses, scout

camps, playgrounds, language
or sporting holidays
Up to €125/year for children up to the
age of 18 inclusive - max €12,5/day.
Up to €250/year for beneficiaries of
increased family allowances due to
disability max €12.50/day.

Mediphone Assist

+32 2 778 94 94 in EU Member

States as well as Norway, Iceland,
Lichtenstein, Switzerland, Andorra, San
Marino, Monaco, Vatican City, Syria,
Libya, Egypt, Morocco, Tunisia, Algeria,
Turkey, Serbia, Kosovo, Macedonia,
Bosnia and Herzegovina, Israel, Alba-
nia, Jordan, Lebanon, Palestine and
Montenegro.
100% reimbursement on fees in
case of hospitalisation or accident due
to winter sports.
75% reimbursement on out-of-hos-
pital care. Assistance and repatriation.
Information about GPs and treatment
centres abroad.
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Our insurance Hospitalia
add-ons One in three families is affected by hospitalisation every year. Even with mandatory health insurance reimbursements, fees can
rise very quickly. With Hospitalia and Hospitalia Plus, we support you through the process and you benefit from optimal cover.

With Hospitalia, our hospitalisation insurance with no age limit, we support you and help you reduce your bill in a shared room!
Hospitalia Plus extends your protection for complete peace of mind before, during and after your hospitalisation.

Mandatory healthcare insurance

Medical consultations, drugs, allowances.

Optional insurance Hospitalia Assist: an extra helping hand

Avantages ƒ Hospitalia
Partenamut ƒ Dentalia Plus You can benefit from a series of help services of your choosing during or after hospitalisation: home help, transport, etc.
Optical, treatment by Hospitalia Assist reimburses up to €1,000 per hospitalisation or serious illness, up to 2 times/year.
a psychologist, sports
club, etc.

Top advantages

Hospitalia Plus
• Reimbursement for care before and after your
hospitalisation: up to 60 days before and 180 days
after*.
• Up to 300% of additional fees covered and
up to €125/day in private rooms
• Optional serious illnesses guarantee
Dentalia Plus • No annual limit

Do you brush your teeth regularly and visit your dentist annually? This is the foundation of your oral health.
For everything else, there is Dentalia Plus! Dentalia Plus reimburses you up to €1,250 per year for preventive and
curative dental care, as well as for orthodontics, dentures and implants.

Top advantages

Dentalia Plus
• Up to €1250/year
• No medical questionnaire to fill in
• No age limit for joining
• Free for children under the age of 3
You must be a Partenamut customer to take out one of our optional
insurance policies.

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MyPartenamut
Online service desk
No more trips and no queuing in branches! Partenamut allows you to manage your file online, when you
have time, using your computer, smartphone or tablet. In just a few clicks, you can order stickers, make
your reimbursement claims for benefits and receive your health insurance organisation letter.

For more information, get in touch with your Account Manager. 

R.E. Partenamut – Boulevard Louis Mettewie, 74-76, 1080 Molenbeek-Saint-Jean – E.N. 0411 815 280 – January 2022. For all details
concerning refunds and conditions, we refer you to the general conditions. Hospitalia, Dentalia Plus and Medicalia are products of MLOZ
Insurance. These contracts are concluded for life. Partenamut (n°OCM 5003c), insurance agent for “MLOZ Insurance”, SMA of « Mutualités
Libres » (for branches 2 and 18), route de Lennik 788a, 1070 Brussels – RPM Brussels (422.189.629, n°OCM 750/01). What is not provided
for in the insurance contract remains governed by the Belgian legal provisions in force. In the event of a complaint, we invite you to contact
the Partenamut complaint service or the Insurance Ombudsman.