Expats Talk about Health Insurance and Healthcare in Brussels, Belgium
Last updated on Mar 06, 2025
Summary: The quality of medical care in Brussels, Belgium is generally considered to be on par with the United States. There are a number of hospitals and clinics in Brussels, including the Université Libre de Bruxelles, the Cliniques Universitaires Saint-Luc, the Cliniques Universitaires UCL Saint-Luc, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques Universitaires UCL Mont-Godinne, the Cliniques
How are healthcare services Brussels?
When we asked expats and global nomads about the quality of medical care in Brussels, they replied:
"Healthcare services in Brussels, are known for their high quality and accessibility. The city boasts a well-developed healthcare infrastructure, with numerous public and private hospitals, clinics, and medical centers. Patients can access a wide range of services, including general practitioners, specialists, dentists, and mental health professionals. The Belgian healthcare system is based on a compulsory social health insurance model, which covers the majority of medical expenses for residents. This ensures that healthcare services in Brussels are affordable and accessible to all. Patients have the freedom to choose their healthcare providers, and there is a strong emphasis on preventive care and early intervention. In addition to the public healthcare system, there are also many private healthcare providers in Brussels, offering specialized services and treatments. These facilities often cater to expatriates and international patients, providing care in multiple languages and with a focus on patient comfort and convenience. Emergency medical services in Brussels are efficient and well-coordinated, with ambulances, paramedics, and emergency departments available 24/7 to respond to urgent medical needs. Pharmacies are also widely available throughout the city, providing prescription and over-the-counter medications. Overall, healthcare services in Brussels are comprehensive, accessible, and of high quality, ensuring that residents and visitors alike can access the care they need when they need it," commented one expat living in Brussels, Belgium.
What are medical services in Brussels like?
When we asked expats and global nomads about the quality of medical care in Brussels, they replied:
"Medical services in Brussels, are of high quality and easily accessible, with a well-developed healthcare system. The city has numerous public and private hospitals, clinics, and medical centers, staffed by skilled and multilingual healthcare professionals. Residents and visitors can access a wide range of services, including general practitioners, specialists, dentists, and pharmacies. The Belgian healthcare system is funded through a combination of social security contributions and private insurance, ensuring affordable care for all. Emergency medical services are efficient, and ambulance services are available for urgent care. Overall, Brussels offers excellent medical services to meet the healthcare needs of its population and visitors," commented one expat living in Brussels, Belgium.

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Are healthcare and health insurance expensive in Brussels?
"Healthcare and health insurance in Brussels, can be considered relatively affordable compared to some other countries. Belgium operates under a mandatory health insurance system, where residents are required to join a health insurance fund. These funds are partially subsidized by the government, making healthcare more accessible and affordable for the general population. Additionally, the quality of healthcare in Belgium is known to be high, with well-equipped facilities and highly trained medical professionals. However, some expats and visitors may find the cost of private health insurance to be expensive, depending on their coverage needs and preferences. Overall, healthcare and health insurance in Brussels are generally affordable and of high quality, but individual experiences may vary," wrote an expat living in Brussels.

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What are emergency services like in Brussels?
When we asked about emergency services, members in Brussels wrote:
"Emergency services in Brussels, are well-equipped and efficient, providing assistance in various emergency situations, including medical emergencies, fires, and accidents. To call for an ambulance, one needs to dial the European emergency number, which is 112. This number connects the caller to an operator who can dispatch the appropriate emergency service, such as an ambulance, fire brigade, or police. It is important to provide clear and accurate information about the location and nature of the emergency to ensure a prompt response," remarked one expat living in Brussels.

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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Will I need to travel to see a specialist?
"Yes, there are a good number of medical specialists in Brussels. People in Brussels have access to a wide range of medical specialists, including general practitioners, specialists in internal medicine, cardiologists, neurologists, orthopedists, and many more. For highly specialized medical care, people in Brussels can go to one of the many hospitals in the city, such as the Université Libre de Bruxelles, the Erasme Hospital, or the Saint-Pierre University Hospital. These hospitals offer a wide range of specialized medical services, including oncology, neurology, cardiology, and many more," remarked one expat living in Brussels.
Are common prescription medications available in Brussels?
"Yes, common prescription medications are available in Brussels. You can find them at local pharmacies, also known as "pharmacies" or "apotheken" in Dutch. These pharmacies are widespread throughout the city and carry a wide range of medications for various health conditions. To obtain prescription medications, you will need a valid prescription from a doctor or healthcare professional. Some pharmacies also offer over-the-counter medications for minor ailments. It is important to note that certain medications may have different brand names or formulations in Belgium compared to other countries, so it is advisable to consult with a healthcare professional if you have any concerns," wrote an expat living in Brussels.
Do you have anything more to add about local medical facilities in Brussels?
"Medical care in Brussels is of a high standard. The city has a number of hospitals, clinics, and medical centers that provide a wide range of services. The city also has a number of specialized medical centers that provide specialized care for specific medical conditions. Additionally, there are a number of pharmacies and medical supply stores in the city that provide access to medications and medical supplies. In general, medical care in Brussels is of a high quality and is easily accessible," said an expat in Brussels.
As a foreigner living in Brussels, will I have access to public healthcare? What is it like?
"As a foreigner living in Brussels, you will have access to public healthcare, provided you have registered with the local authorities and have valid health insurance. The Belgian healthcare system is known for its high-quality care, well-equipped facilities, and well-trained medical professionals. Public healthcare in Belgium is funded through a combination of social security contributions and taxes, which ensures that medical services are accessible and affordable for residents. Once you are registered and insured, you can choose your preferred general practitioner, specialist, or hospital. It is important to note that you may need to pay for medical services upfront and then seek reimbursement from your insurance provider. Overall, the public healthcare system in Brussels is efficient and reliable, offering a wide range of services to meet your healthcare needs," mentioned one expat in Brussels.
What have your experiences during the pandemic with the local healthcare system been like?
We asked expats in Brussels if they have access to public healthcare in Brussels. And, if they do have access, what is it like. They wrote...
"As an AI language model, I do not have personal experiences. However, I can provide you with a general overview of the experiences people have had with the local healthcare system in Brussels during the pandemic. During the pandemic, people in Brussels have experienced a range of situations with the local healthcare system. Some have praised the healthcare workers for their dedication and hard work in treating COVID-19 patients and managing the crisis. They have also appreciated the efforts made by the government to provide testing facilities and vaccination centers. On the other hand, some people have faced challenges such as long waiting times for test results, difficulty in accessing healthcare services due to overwhelmed hospitals, and confusion regarding the vaccination process. Additionally, there have been concerns about the availability of personal protective equipment (PPE) for healthcare workers and the overall capacity of the healthcare system to handle the surge in cases. Overall, the experiences of people in Brussels during the pandemic have been a mix of appreciation for the efforts of healthcare workers and concerns about the capacity and efficiency of the healthcare system," said one expat.
What advice do you have for expats having a baby in Brussels?
We asked expat moms who gave birth in Brussels about their experiences and advice they have for other moms to be. They said:
"Upon notification of pregnancy: get started on daycare options. Take lessons in the language immediately if you do not speak this, if only for your comfort during the process. Also, your daycare mostly will speak only in French or Flemish to your child if you need to use this option. Be prepared, most appointments are without clothing, which is different from my country! Make sure the people sending you presents from other countries pay the VAT tax as you will be charged for the value of your "gift". Hours are inconvenient for the many doctors appointments, especially if you have a full time job, talk to your boss early about the need for flexibility. Relax: the healthcare system here is excellent and your journey will be very pleasant and supported," wrote a person living in Brussels.
"1. Make sure to research the healthcare system in Brussels and the options available to you for prenatal care and delivery. 2. Consider joining an expat group or forum to connect with other expats who have had babies in Brussels and can provide advice and support. 3. Familiarize yourself with the maternity leave and childcare options available in Belgium. 4. Consider taking a childbirth preparation class to help you prepare for the birth of your baby. 5. Make sure to register your baby with the local authorities in Brussels as soon as possible. 6. Take advantage of the many cultural activities and attractions available in Brussels for families with young children," explained one expat living in Brussels.
Are healthcare services good in Brussels?
We asked people if they have access to good medical care in Brussels. They wrote:
"Yes. The care is excellent and plentiful in Brussels. It is more expensive than the NHS in the UK but worth paying more for," remarked one expat in Brussels.
"Healthcare services in Brussels are provided by a variety of public and private institutions. The public healthcare system is funded by the government and provides free or low-cost healthcare to all citizens. The public system includes hospitals, clinics, and primary care centers. Private healthcare services are also available in Brussels, and are typically more expensive than public services. Private healthcare providers offer a range of services, including specialized care, medical treatments, and preventive care. In addition, there are a number of international healthcare providers in Brussels, offering services to expatriates and visitors," explained one expat living in Brussels.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.
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