Sports benefits from health insurers: up to €470 reimbursement for a typical family

This article was updated on 12 june 2026 to provide up-to-date information

Sports and physical activity are increasingly encouraged by Belgian health insurance funds. All health insurers in our advantages comparison tool currently offer sports benefits. A quick summary of the sport benefit advantages on offer.

A broader approach to sports and health

What used to be a reimbursement for gym or sportsclub memberships only, has evolved into a broader reimbursement package that can include sports activities, events, and preventive medical sports related check-ups.

Across Belgium, health insurers now combine multiple types of benefits:

• reimbursement for sports clubs, fitness clubs, or sports classes
• contributions for sports events (e.g. running races)
• coverage of sports medical check-ups or heart screenings
• additional preventive health benefits

For a sporty family, the sports benefits can represent a significant boost to the family budget.

Up to €470 for a typical family

For a typical household with two adults and two children, the total reimbursement can vary widely. The most generous health insurance fund when it comes to a sports benefit is Mutalité Socialiste de Luxembourg (MSLUX), which reimburses sports club membership for up to €50 per year. In addition, for those aged 18 and over, it provides up to €30 per year for participation in a sports event. Under 18’s are reimbursed for sports events up to 3 times €35 per year per person. In total, this amounts to max. 470 euros per year for a sporty family of 2 adults and 2 kids.

Big differences between health insurers

Other health insurance funds also offer significant sports benefits. VNZ (Vlaams Neutraal Ziekenfonds) and Helan offer €400 for the same typical family, Partenamut can provide up to €380, whereas La Mutualité Neutre and La Mutualité Chrétienne offer up to €320 and €300 respectively for the same situation. Several health insurers provide more limited benefits, ranging from around €40 to €200 for our family.

The choice of health insurance fund therefore has a direct impact on the budget of an active family.

What sports benefits does your health insurer offer? Looking for the health insurer that best matches your needs and expectations? Thanks to our health insurance comparison tool, you can easily compare the conditions and benefits of all health insurers.