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Incoming international students

Upon Arrival

Incoming international students

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Who has to join a health insurance fund?

When you stay longer than 3 months in Belgium, you are obligated to join a Belgian health insurance fund or the Belgian social security (“Hulpkas”) for health-disablement insurances (HZIV). 

An employee of the health insurance fund “CM” (Christelijke Mutualiteit), will present their services. This will be during the introductory days.  

After your registration you will receive an identification number (National Registry Number (Rijksregisternummer)) and identification labels. You will need these in a hospital and when you buy medicines at the pharmacy. Please keep them safe!

HZIV is a public service and offers only the compulsory health insurance.


When you join a health insurance fund, you have to pay a health insurance contribution. This amount fluctuates, depending on the health service fund you’ve joined. In addition to the compulsory health insurance, you will also receive additional benefits, compensations and services: e.g. for vaccines, lenses, correction glasses, personal alarm systems, logopaedics, orthodontics, transport by ambulance, osteopathy, chiropractic, acupuncture, implants, hospital admissions, vaccinations, membership in a sports club, births, adoptions, dental care, youth vacations and health care stays. In addition, you will also receive assistance abroad, you can make use of a home care service, home education for sick children and medical equipment.

Please contact HZIV or one of the available health insurance funds. You are entitled to choose an insurance company. The contribution you pay for a health insurance fund may vary slightly, but there are only very slight differences.