Health insurance
Government withholds millions from health insurance funds missing performance targets
In 2025, the Belgian government withheld nearly €15 million from the administrative allowances paid to health insurance ...
2 min
“Am I still with the health insurance fund that best suits me?” Matthias Diependaele, the Flemish Minister-President, is urging people to consciously reflect on their choice of health insurance fund. But how do you choose the right fund and how do you switch?
In Belgium, everyone is required to subscribe to a legal health and disability insurance. The choice of health fund, however, is free. In the past, people mainly chose based on ideology. There are christian, socialist, liberal, neutral and independent health insurance funds.
Today, more and more families focus primarily on the benefits and costs of each fund. Because the compulsory health insurance is the same everywhere, but the supplementary benefits differ and can make a difference of thousands of euros per year for families who make frequent use of them.
The membership fee depends on your household composition and the chosen fund. Every working adult, person receiving benefits, or anyone over 25 pays an annual membership fee. In 2026, this fee ranges between €102 and €192 depending on the fund. Dependent children under 25 pay no contribution.
You can find your exact amount via our health insurance fund comparator.
Every health insurance fund offers additional benefits to its members. These include extra reimbursements and allowances not covered by the statutory health insurance. The list of benefits is very long and differs significantly between funds. Examples include: sports activities, glasses and contact lenses, orthodontics and dental care, psychological support, physiotherapy, and more.
The conditions and reimbursement amounts also vary greatly from one fund to another. This means an advantage that is very valuable for one family may be hardly relevant for another.
Because each health insurance fund offers different benefits, your choice can have a major impact on your family budget. The savings differ for every household. For families who regularly use their fund’s benefits, the differences can amount to thousands of euros per year.
With YouSave.be you can see which benefits are most valuable for your situation and which funds score best on them. This way you don’t just compare costs, but also what you actually get in return.
Found the most advantageous fund? You can switch very easily. You register with the new fund and they take care of all the paperwork. This usually takes a few weeks. Once everything is arranged, the actual switch takes place. This is only possible on four fixed dates per year: 1 January, 1 April, 1 July or 1 October.
Are you still with the health insurance fund that best suits you? Make your comparison now !
Expert in mutuality benefits and hospitalisation insurance, and founder of YouSave.be.
20 years of experience in comparison technology and financial products.
