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Belgium  Insurance in Belgium

House insurance

  • Home insurance :

Covers glass breakage, fire, bad weather, floods etc.

Compulsary for rented accommodation, even though the landlord will also insure the property

  • Family liability :

Cover : Accidents children and animals might cause to other people's properties.

Strongly advised.

  • Servants, Cleaning woman:

Cover : Accident at home or travelling to or from work.

Legal requirement.


Car insurance

Cover : Damage at third parties properties

Responsabilité civile/wettelijke aansprakelijkheid

Deductable guarantee

Period : One year renewable or three years

Premiums : paid annually, deduction possible with good claims record of your previous insurer (bonus-malus).

  • Accident:
  • Fill in a joint declaration with the other party.
  • Only if somebody is hurt, damage is extensive or there is a dispute, call the police.
  • Try to find a witness, but Belgians are reticent in agreeing to give evidence.
  • Telephone your insurance broker quickly and send the declaration.
  • Keep a photocopy of the declaration.

When causing an accident being drunk, insurance does not cover you at all.


Health insurance

The medical social security is called mutuelle. Everyone employed by a Belgian firm is obliged to join one of the private health insurance funds (mutualités/mutualiteiten).

  • Contributions : deducted from employees salary
  • Coverage : starts after 6 month (stage), covers all the dependents
  • Cost : 4,7 % of the gross income
  • Hospitals: University affiliated: hôpitaux/ziekenhuizen
  • Private: cliniques
  • Doctors : Generalist: walk-in hours or appointment, home visits
  • Specialist: appointment only
  • Number : 1 doctor/278 Belgian residents (twice NL)
  • Payment: directly and cash, reimbursed partially (upto 80%)after sending in the paperwork