Health insurance

Health insurance is compulsory in Belgium. If you are covered by social security in Belgium, you must join a Belgian health insurance. In order to be able to receive health care in Germany, you must also take out insurance with a health insurance in Germany. To do this, you will need form S-1 (E 106), which you will receive from your Belgian health insurance.

You are entitled to medical treatment in Belgium and in Germany. The costs of medical treatment will be reimbursed – as is usual in the country where you are receiving medical treatment.

You can find a list of all Belgian health insurance schemes you can join here.

Family members:

Provided that your spouse and/or children are themselves covered by legal health insurance in Germany, this compulsory insurance will continue.

If your spouse and/or children are not legally insured in Germany, they are co-insured in Belgium. This means that your German health insurance will inform your Belgian health insurance which family members are co-insured in Belgium. Your family members will then also be entitled to health care in Belgium and in Germany. Nevertheless, they will then no longer pay contributions to the German health insurance.


Contributions for basic health insurance are deducted directly from your wages. These are included in the total 13.07% social security contributions.

Most health insurance companies also require you to take out supplementary insurance, which costs between €13 and €15 per month.

If you do not wish to take out this supplementary insurance, you can take out insurance with an auxiliary fund (HKIV, CAAMI, HZIV)

In addition to these compulsory insurances, you can also take out voluntary insurance for hospital treatment. The costs for this vary from person to person.

In addition to health insurance, there is long-term care insurance in Flanders from the age of 26. This takes on the costs of certain non-medical treatments.