Health insurance is compulsory in Belgium.
It covers part of your healthcare costs. The cost and level of cover vary depending on the Belgian health insurance fund (mutuelle/mutualiteit) you choose, and you will usually still have to pay part of your medical expenses yourself.
EU students
Before coming to Belgium, make sure you have a valid European Health Insurance Card (EHIC), which you can obtain from your health insurance provider in your home country.
Once in Belgium, present your EHIC to a Belgian health insurance fund (mutuelle/mutualiteit) of your choice. This will give you access to healthcare cover in Belgium. EU students generally only have to pay a supplementary fee.
Non-EU students
You must have health insurance that is valid in Belgium.
If you need a student visa, you must provide either:
private Schengen-type health insurance valid for at least the first three months after your arrival in Belgium; or
confirmation from a Belgian health insurance fund (mutuelle/mutualiteit) that you will be registered upon arrival.
Need help with health insurance? Contact the ULB International Welcome Desk at welcome@ulb.be.
INSURANCE PROVIDED BY ULB
Once you are officially registered at ULB, you are automatically covered by ULB insurance for certain risks related to your university activities.
Civil liability
Covers damage or injury you may accidentally cause to someone else during university activities.
Bodily injury
Covers bodily injuries you may suffer during university activities, within the limits and conditions of ULB's insurance policy.
When travelling abroad for university activities, ULB's insurance also includes assistance in the event of illness or an accident, including repatriation, within the limits and conditions of the policy.
Important: ULB's insurance does not replace your personal health insurance or provide the same cover for your private life.
WHAT ABOUT YOUR PRIVATE LIFE?
You may need additional insurance for situations that are not covered by ULB:
Home insurance
If you rent accommodation in Brussels, check your rental agreement to see what insurance you are required to take out.
Private liability insurance
Covers damage or injury you may accidentally cause to someone else outside your university activities.
Hospitalisation and repatriation insurance
Check whether your existing insurance provides sufficient cover for hospitalisation and repatriation outside university activities. If not, you may wish to take out additional cover.
ACCIDENT DURING A UNIVERSITY ACTIVITY?
If you have an accident during a ULB university activity, contact the ULB Insurance Service as soon as possible.
ULB Insurance Service
Phone: +32 (0)2 650 23 00
Email: assurances@ulb.be