Healthcare & Mutualities

Joining a mutuality, hospitalisation cover and private health insurance before you are in the system.

Comparisons

• Best expat health insurance in Belgium before you are covered (2026)

  Private international health plans and the public CAAMI student option compared for the weeks or months before Belgian health insurance covers you.

• Best hospitalisation insurance in Belgium (2026)

  Mutuality plans and private hospital insurance compared: price at age 30, single room, waiting period, entry age and English pages. Prices are not like-for-like.

• Best mutuality (health insurance fund) for expats in Belgium (2026)

  Every resident must join a mutuality to get healthcare refunds. We compared nine funds on fees, English service, online joining and assistance abroad.