Health Insurance for
VUB students
Health care in Belgium
• Belgium offers a public health care system of high-quality
• Free choice of doctor, hospital, pharmacy, etc
• No waiting lists
• Health care expenses will be partially or fully reimbursed
 Health care reimbursements are carried out through an
intermediary “Health Insurance company = Mutuality”
Ministry of Social affairs
INAMI/RIZIV
Socialist
Christian
Neutral
Independent
Liberal
National Health Insurance
Every person living on the Belgian territory is advised to
register with a national health insurance provider.
The advantage of registering with a national health insurance
is that you will benefit from reimbursements when:
 visiting a doctor, dentist, physiotherapist, etc.
buying medicines
going to hospital
Proof of coverage
When registering, you will receive some important documents:
A letter as proof of coverage
Identification Stickers
Always keep these documents with you!
Reimbursement system
Health insurance provides reimbursement for medical care:
 ± 75% general care
 Free choice of doctor/hospital
 No waiting list
 Cash Payment for consultations
 Visit at home night and weekend
 Urgent Care (emergency hospital)
Health Care expenses
In an emergency or after consultation hours:
Go directly to the hospital via the emergency department.
Do not make improper use of this service
-> there will be a larger supplement to pay if not urgent!
Family doctors also provide emergency services each day from
7pm until 7am and during weekends from Friday 7pm until
Monday 7am.
French-speaking duty doctors
Tel.: (+32.2) 479.18.18
Website : http://www.medi-garde.be
Dutch-English-speaking duty doctors
Tel. : (+32.2) 242.43.44
While visiting a doctor
 Pay the full amount
Doctor delivers you a
«Medical attestation»
 Can be white, green, blue or orange
 Affix an identification sticker on the
top of it
 Drop it into our mail box at
Euromut/Partena office
Health insurance will reimburse
±75% of the legal price on your
bank account
Consultation fees
 Free choice of care provider
• A committed doctor will respect the legal fee.
• A non-committed doctor may apply fees of his choice
 If your doctor is non-committed, supplement will be higher
The only way to know if a doctor is committed or not, is to ask him/her or
contact us
 Advice:
Go to Medical Centre of the VUB University
 Daily medical consultations (fee: +/- € 25,00)(cash)
 Make an appointment: tel. 02-629 23 00 or www.groepspraktijkvub.be
(Monday-Friday 9.00-12.30 and 13.30-17.00)
You’ll have committed doctors with less supplements
There is NO difference in service or quality, just price!
At the pharmacy & hospital
Show your Belgian ID card when going to buy medicines, or
when going to hospital for X-rays, blood tests, examinations
and in case of hospitalization (not for consultations)
Via Belgian ID card, you will just pay the remainder
fee. The part paid by health insurance will be directly
deducted.
Medication at pharmacy
There are different medicine categories:
Category
Reimbursement
Example
A
100%
Medicine against cancer or diabetes,...
B
75%
Antibiotics,…
C
50%
Contraceptive pill…
Cs
40%
Anti-allergy, Flu vaccine,…
Cx
25%
Some vaccines,…
D
0%
Aspirin, vitamins,…
No Belgian ID card?
Pay full amount and ask receipt for health insurance
Affix an identification sticker
 Drop it into our mailbox at Euromut/Partena office
Health insurance will reimburse the
legal % of the
legal price on your bank account
Hospitalization
Personal share is influenced by choice of hospital and type
of room
Costs are considerably higher if single room
If you don’t have an extra hospitalization insurance
 ask for a common room! (low supplements)
ask (in writing) to be treated by committed doctors
Hospital bill will be sent after several weeks
Partena benefits package
By choosing Partena you will benefit* from
reimbursements. A few good examples would be:
extra
• Optics (€ 50 every 2 years)
• Ambulance (until 80%)
• Sport club membership (€ 15/year)
• Vaccinations
• Alternative medicine (acupuncture, chiropractor etc.)
• Preventive dental care (cleaning)
• Homeopathic products: 50% of the paid price (max. €75/year)
• Etc.
See all 40 benefits: www.bepartena.be
* Not for EU students <12 months
Registration costs
*Students from EU or from country with International
agreement
 European Health Insurance Card (EHIC)
 Algeria: BALG 8
 Tunis: BTUN 11
 Croatia: BHR 111
 Turkey: BT8
 Ex-Yugoslavia: BY11
 Australia: Medicare Card
 Quebec: QUE/BE 128
No costs if < 12 months
If > 12 months  € 25,50/quarter
European Health Insurance Card (EHIC)
BT8
Medical providers and
pharmacies don’t except this
card or any other international
form
Registration costs for PHD students
The registration procedure and cost :
The coverage starts always 1st of the quarter. (1/01;1/4;1/7;1/10)
•
PHD students with social security contributions
 registration as employee: € 25,5/quarter
Registration costs NON EU
*Other students:
The coverage starts always 1st of the quarter. (1/01;1/4;1/7;1/10)
•
Student (not registered in Belgium, non-EU member)
 costs € 25.50/Quarter + € 58,36/Quarter
•
Belgian resident, no taxable income (registered in Belgium)
 costs € 25,50/Quarter
Pay the contribution with the invoice you’ll receive (PC-banking)
Advice
 Register first as a student (sure to be directly covered)
 When registration at city hall is finished, go asap to Partena
office with your Belgian ID card to change your status
(registration fee is cheaper)
 € 58,36 of the quarter already paid will be reimbursed!
Euromut/Partena Office VUB
–
National health insurance
–
Multinational, Assistance and advice
–
Communication in English
–
Specialized in student matters
Euromut/Partena office VUB nearby the CAMPUS Building 5
Contact person: Mrs Fatima-Zahra TALHIMET
1040 Etterbeek, Bld. de la Plaine 5
Tuesday from 9.00 until 12.30 and 13.30 until 16.00
Also on Thursdays during September and October
tel: 02/225.93.95
E-mail: vub@bepartena.be
Euromut/Partena Office VUB
Thanks for your
attention
Q&A
Katrien Vanden Waeyenbergh