LM-ML Member Benefits

LM-ML members are eligible for additional LM-ML member benefits. These include extra reimbursements, premiums, discounts, and services. Find out quickly whether LM-ML offers interesting member benefits for you or whether you should join a different health insurance fund.

Compare LM-ML benefits to the benefits offered by other health insurance funds.

Everyone who is affiliated with the Liberale Mutualiteit - Mutualité Libérale for compulsory health insurance automatically enjoys additional LM-ML member benefits.

You can compare LM-ML's member benefits member benefits with those offered by other health insurance funds. The simulator asks for your postal code, family composition, and any important issues, and quickly and easily guides you to the best health insurance fund for you and your family.

Compare all the benefits offered by LM-ML now

Below you will find some additional member benefits offered by LM-ML that are currently being focused on:

Choose a provider for more information about insurances, benefits, and reimbursements.

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Dental care

Dental prosthetics & implants

From age 65: 10% of the costs, max. € 1,050 per year
No reimbursement under age 66

LM MUTPLUS offers a reimbursement of 10% of the total dental costs, up to a maximum of 1,050 euros per calendar year. The reimbursement applies to all dentures, bridges, dental implants, crowns, extractions, post crowns, veneers, inlays, and onlays.

Conditions:
- Since January 1, 2026, the reimbursement applies only to members aged 66 or older.
- Treatment by a dentist, orthodontist, or stomatologist in Belgium or in neighboring countries (Grand Duchy of Luxembourg, France, Germany, and the Netherlands), recognized by the competent authority of the country.
- This concerns dental procedures that are not reimbursed by compulsory health insurance.

Treatment & guidance

Speech therapy

€10 per consultation (max. 100 sessions per 3 years)

MUTPLUS provides a reimbursement of €10 per session, with a maximum of 100 sessions per 3 years.

LM provides a reimbursement if your statutory health insurance does not cover your treatment.

Birth

Breastfeeding allowance

Max. €375 (€250 after 2 months, €125 after 4 months)

LM MUTPLUS offers breastfeeding mothers a premium of 250 euros after 2 months of breastfeeding and an additional premium of 125 euros after 4 months of breastfeeding. In total, an incentive of 375 euros.

In the event of a multiple birth, this premium is paid out for each child who is breastfed.

Care & hospital

Short stay residential care home

Max. €420 per year

MUTPLUS reimburses a maximum of €20 per night, up to 21 nights per calendar year, for expenses related to a short stay in a recognized facility.

- You have undergone surgery with hospitalization or hospitalization with overnight stays.
- You have been hospitalized with an overnight stay.
- You are temporarily unable to remain at home due to the temporary absence of your primary caregiver or in order to support your primary caregiver.
- You have been unable to carry out your normal activities for an uninterrupted period of at least 60 days (provided this period is justified by a certificate from your attending physician or by bioclinical and/or radiological pathological examinations).

The short stay cannot be a transitional period before permanent placement in a nursing and care facility

Homecare

Max. €60 per year

LM provides compensation of €0.30 per hour worked, with a maximum of €60 per calendar year, for household help, personal care, social or moral support.

Liberale Mutualiteit - Mutualité Libérale (LM-ML) benefits and refunds | YouSave.be

LM-ML Member Benefits

Choose a provider for more information about insurances, benefits, and reimbursements.

Last articles

Almost 1 in 2 sports club members are leaving money on the table

Vaccination doesn’t stop at 18: which vaccines do you need as an adult?

Government withholds millions from health insurance funds missing performance targets

LM-ML Member Benefits

Choose a provider for more information about insurances, benefits, and reimbursements.

Last articles

Almost 1 in 2 sports club members are leaving money on the table

Vaccination doesn’t stop at 18: which vaccines do you need as an adult?

Government withholds millions from health insurance funds missing performance targets

Dental care

From age 65: 10% of the costs, max. € 1,050 per yearNo reimbursement under age 66

Treatment & guidance

€10 per consultation (max. 100 sessions per 3 years)

Birth

Max. €375 (€250 after 2 months, €125 after 4 months)

Care & hospital

Max. €420 per year

Max. €60 per year

From age 65: 10% of the costs, max. € 1,050 per year
No reimbursement under age 66