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”

INAMI/RIZIV

Christian

Neutral

Socialist

Liberal

Ministry of Social affairs

Independent

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

National Health Insurance

When registering, you will receive some important documents:

A letter as proof of coverage

Identification Stickers

Always keep these documents with you!

Proof of coverage

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)

Reimbursement system

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 doctorsTel.: (+32.2) 479.18.18Website : http://www.medi-garde.be

Dutch-English-speaking duty doctorsTel. : (+32.2) 242.43.44

Pay the full amount

Doctor delivers you a «Medical attestation»

Can be whitewhite, greengreen,, blue blue or orangeorange Affix an identification sticker on the top of it Drop it into our mail box at Euromut/Partena office

While visiting a doctor

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 ask him/her him/her oror

contact uscontact 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 & hospitalShow 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.

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,…

Medication at pharmacy

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 thelegal price on your bank account

HospitalizationPersonal 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

By choosing Partena you will benefit* from extra reimbursements. A few good examples would be:

• 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

Partena benefits package

*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

Registration costs

European Health Insurance Card (EHIC)

Medical providers andpharmacies don’t except thiscard or any other internationalform

BT8

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 for PHD students

*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)

Registration costs NON EU

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 TALHIMET1040 Etterbeek, Bld. de la Plaine 5

Tuesday from 9.00 until 12.30 and 13.30 until 16.00Also 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