Complementary Benefits

No. You will not lose any rights. Healthcare expenses incurred before your affiliation will continue to be reimbursed by your former mutual during the legal period (generally up to 2 years after the date of care). From your affiliation date, your new reimbursements will be handled by your new mutual, without any interruption of your rights. As for compulsory insurance (INAMI), nothing changes: the reimbursements, conditions and amounts are identical in all mutuals, as they are set by Belgian law. Only the complementary benefits and reimbursements may vary from one mutual to another.

No. There is no waiting period to receive reimbursements from compulsory insurance, nor from complementary insurance, provided you are up to date with contributions to your current mutual. You thus maintain continuity of your rights without interruption.

Yes. A serious illness does not prevent you from joining the mutual or benefiting from basic complementary insurance. Depending on the coverage chosen, specific coverage options may also be available.

No. The administrative procedures are fully handled for you to simplify the process.

No. The rules relating to incapacity for work and disability are defined by INAMI and are identical for all insurers. The eligibility conditions and calculation of benefits therefore do not depend on the mutual you are affiliated with. The mutual simply manages your file and pays you the benefits provided for by law.

Yes. You remain free to consult the healthcare professionals of your choice.