CAAMI / HZIV (Belgian public fund - student status)
Legal entity: Caisse auxiliaire d'assurance maladie-invalidité / Hulpkas voor Ziekte- en Invaliditeitsverzekering
Checked 2 November 2026In 2 guidesOCM/CDZ and INAMI/RIZIV (public institution)
best score, Healthcare & Mutualities
Where it appears
- Best expat health insurance in Belgium before you are covered (2026)
Our pickRank 1 of 6 rated · Healthcare & Mutualities
Best for: Non-EU students who want Belgian statutory cover at a fixed quarterly price.
- Best mutuality (health insurance fund) for expats in Belgium (2026)
Rank 4 of 7 rated · Healthcare & Mutualities
Best for: People who only want the compulsory cover, or foreign students.
What works
- Low fixed cost for students(Best expat health insurance in Belgium before you are covered (2026))
- Gives access to Belgian statutory reimbursements(Best expat health insurance in Belgium before you are covered (2026))
- No membership fee(Best mutuality (health insurance fund) for expats in Belgium (2026))
- Neutral public option(Best mutuality (health insurance fund) for expats in Belgium (2026))
- English information(Best mutuality (health insurance fund) for expats in Belgium (2026))
Watch out
- No complementary benefits(Best expat health insurance in Belgium before you are covered (2026))
- Forms not in English(Best expat health insurance in Belgium before you are covered (2026))
- No complementary benefits (no extra refunds, no hospital plans)(Best mutuality (health insurance fund) for expats in Belgium (2026))
- Forms not in English(Best mutuality (health insurance fund) for expats in Belgium (2026))