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Health insurance in Brussels
Hello all,
I will be moving with my family to Brussels in few months. We will be 2 adults and 2 children. I would like to get health insurance knowing that my wife will not work for the first few months and I will be "detached" meaning that my employer will pay all the health benefits in my country (RO) and therefore I will not have a mutuelle. Beside the European Health Card, which only covers some basics, I have asked a quotation from CIGNA, but the price offered seems incredibly high. Do you happen to know other expats in my situation? Is there a way to make a contract on my own with any of the mutuelle administrators by paying a fee? Do you know any other international company that offer health insurance in Brussels?
Thank you in advance,
Regards,
George
Certainly if you have a form S1 you will be able to join a mutelle here but don't forget to get the additional "dependent" S1 forms for your wife and children.
The biggest problem is that the bureaucracy takes time. Even if you visit your commune and a mutelle almost as soon as you arrive, the actual processes are slow. Our mutelle wouldn't confirm our membership until we had both National Numbers and a copy of the Composition de Ménage. We had the NNs within three weeks, after the mandatory police visit, but it took three months to get the CdM. The delay wasn't down to our commune but to the centralised control of foreigners in Brussels.
Your EHIC would cover you for emergency but not routine treatment during this waiting period - and you continue to use an EHIC card issued by Romania even after you have joined a mutelle here for so long as the S1 forms apply.
You may find that a mutelle that specialises in ex-pats, such as Euromut, will provide interim cover as they do have your S1 forms to prove your entitlement.
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