Expats relocating to Belgium must be well-prepared for the mandatory insurance policies required in their new home country. Depending on their situation, there are several essential insurance policies they need to obtain.
One of the most important is health insurance, which is mandatory for everyone living and working in Belgium. Expats must register with a Belgian health insurance fund (mutuelle/mutualiteit) or opt for private health insurance as an alternative.
Additionally, liability insurance is highly recommended. This policy covers damages caused to third parties, such as if an expat’s child accidentally damages a neighbor’s property. While not legally required, many expats choose this insurance for extra financial protection.
For those renting or buying a home, home insurance is often mandatory, either by landlords or mortgage providers. This insurance covers damage from fire, water leaks, and other potential risks.
Besides these essential policies, expats may also consider car insurance and household contents insurance for added security. Understanding Belgium’s insurance system in advance helps prevent unexpected issues and ensures a smooth transition to a new life in Belgium.
