
If you are retiring in Belgium or living there without employment, you must have valid health insurance to obtain or maintain your residence permit.
Many people are not automatically eligible for the Belgian public health insurance system.
For example, you may not qualify if you:
Expat health insurance ensures you have valid coverage from the moment you arrive in Belgium.
It allows you to:
This insurance is commonly used by people living in Belgium who are not working and not yet eligible for the public health system.

If you plan to spend your retirement in Belgium, you may need private or expat health insurance to meet visa D and residence permit requirements.

If you live in Belgium without employment -for example from savings, investments, or remote income or pension- you do not automatically qualify for the public healthcare system.

If you are joining relatives and are not working, expat health insurance ensures you remain covered.

Belgian public health insurance is mainly designed for people who work in Belgium and contribute to social security.
If you are employed, contributions are deducted automatically from your salary.
However, if you are not working, eligibility for public health insurance may depend on additional conditions.
For example:
• receiving a European pension
• contributing voluntarily to social security
Many non-working residents therefore rely on expat health insurance to ensure they remain insured while living in Belgium.
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“They helped me get an insurance plan the day before my residence permit appointment, and it honestly felt like a lifesaver. The process was extremely fast, and the insurance is fully accepted for residence permit procedures in Belgium, which made everything so much easier for me.”
Layal
“Sare has been with me throughout the process of getting the insurance for visa purposes, and also made sure I had all the documents required and requested in time. Will definitely recommend!”
Anfaal
“They replied fast via email. Sare was really kind and helped me with my cancellation. Thank you :)”
Sanako
“They ease your anxiety thanks to incredibly polite and fast customer support.”
Franka
“Dajana was patient, detailed and answered my questions clearly and concisely.”
AB
“As a foreigner & freelancer, I felt relief to be insured by them without bureaucracy.”
Luiz