Insurances for foreign students - guideline

E.E.A. insured (*) and Switzerland insured

  1. You are legally obliged to have a health insurance during your stay in Belgium ( for you and your family members staying in Belgium)!! You need to pay the premium yourself!
    • the E.E.A. student and the student from Switzerland who has a health insurance in a country of the European Union, has to apply in his/her country of insurance for a European Health Insurance Card (EHIC);
    • the holder of an EHIC has the right to take the medical care during his stay in Belgium, at the same conditions as provided by the Belgian legislation (after registration with a Belgian health fund), but he/she can only get (partial) reimbursement for the medical care that is necessary during his/her stay, taking the nature of the medical care into account and the duration of the stay; attention: healthcare in itself may not be the aim of the visit;
    • if obtaining an EHIC is impossible in any specific situation, then the student will have to approach a health fund (**) immediately upon his/her arrival in Belgium, in order to obtain insurance cover; the student will have to provide this health fund with a certificate that shows that his/her insurance cover abroad has ceased to be in effect;
    • the EHIC is valid throughout any of the countries of the European Union (25 Member States), Iceland, Norway, Liechtenstein and Switzerland;
    • if you can’t obtain an EHIC/S1-form and if you can’t get the health insurance directly with the health fund (**) in Belgium, you will need to subscribe the all-in insurance. To subscribe to the all-in insurance, you will have to ask a member of staff of Ghent University (your contact person within your own faculty) to fill in the form to subscribe. It is obliged to fill in the cost centre (SAP). The premium paid by the department can be charged to the insured if previously agreed. The all-in insurance covers, within the policy conditions, health costs, civil liability in private life and travel insurance and this worldwide during the insured’s stay for research and education projects reasons under the auspices of Ghent University and in the framework of the European Erasmus Mundus program. It is not possible to subscribe a separate insurance for health costs, because the premium for the separate insurance for health costs is the same as the premium for the all-in insurance.
  2. You are not obliged, but we strongly recommend you to subscribe the insurance for travel assistance. To subscribe you will have to ask a member of staff of Ghent University (your contact person within your own faculty) to fill in the form. It is obliged to fill in the cost centre (SAP). This insurance is for example important when you need to be repatriated to your country of origin or if you need to return prematurely to your country of origin because a relative has died. You need to pay the premium yourself.
  3. Through your enrolment as a student, you will be insured by Ghent University automatically as regards your "physical accidents during university activities".
  4. Through your enrolment as a student, you will be insured by Ghent University automatically as regards your "civil liability during university activities" (which does not include, however, the journey to and from such university activities).
  5. Only in case you stay at a dorm belonging to Ghent University or in case you and your landlord sign the model lease available through kotatgent.be, you are automatically insured by Ghent University, within the policy conditions (i.e. franchise, the fact that the policy is subsidiary to other fire insurances concluded by the tenant, …), as regards your liability as a tenant in case of fire, explosions and water damages, on the condition that one example of the lease is sent to Ghent University timely (taking into account the stipulations of the lease). However, the fire insurance through Ghent University doesn’t insure your home contents: we advise you to contact an insurance company or insurance broker to subscribe an insurance of your home contents (it is not possible to subscribe such an insurance through Ghent University).

Non-E.E.A. insured (except Switzerland)

  1. You are legally obliged to have a health insurance during your stay in Belgium (for you and your family members staying in Belgium)!! You will have to approach a health fund (**) directly, immediately upon arriving in Belgium; this health fund will examine your specific situation. It is necessary to obtain health insurance cover from the health fund for yourself and for the members of your family residing in Belgium:
    • you need to pay the premium yourself!
    • the health fund will normally not require any waiting period;
    • to be able to register with the health fund as a student, the student must be able to present to the health fund a certificate of enrolment as a student at Ghent University to the health fund;
    • as soon as the student will be in a position to produce proof of his/her registration with the register of foreigners (can take quite some time) as well as of a stay of more than three months in Belgium, and has signed a statement of his/her income, he/she may request the health fund, in principle, to be registered as a “resident” (also referred to as “party entitled according to the national register”);
    • if the health fund refuses (possibly on a temporary basis) to register you as a student, you will need to subscribe the all-in insurance. To subscribe to the all-in insurance, you will have to ask a member of staff of Ghent University (your contact person within your own faculty) to fill in the form. It is obliged to fill in the cost centre (SAP). The premium paid by the department can be charged to the insured if previously agreed. The all-in insurance covers, within the policy conditions, health costs, civil liability in private life and travel insurance and this worldwide during the insured’s stay for research and education projects reasons under the auspices of Ghent University and in the framework of the European Erasmus Mundus program. It is not possible to subscribe a separate insurance for health costs, because the premium for the separate insurance for health costs is the same as the premium for the all-in insurance.
  2. You are not obliged, but we strongly recommend you to subscribe the insurance for travel assistance. To subscribe you will have to ask a member of staff of Ghent University (your contact person within your own faculty) to fill in the form. It is obliged to fill in the cost centre (SAP). This insurance is for example important when you need to be repatriated to your country of origin or if you need to return prematurely to your country of origin because a relative has died. You need to pay the premium yourself.
  3. Through your enrolment as a student, you will be insured by Ghent University automatically as regards your “physical accidents during university activities”.
  4. Through your enrolment as a student, you will be insured by Ghent University automatically as regards your “civil liability during university activities” (which does not include, however, the journey to and from such university activities).
  5. Only in case you stay at a dorm belonging to Ghent University or in case you and your landlord sign the model lease available through kotatgent.be, you are automatically insured by Ghent University, within the policy conditions (i.e. franchise, the fact that the policy is subsidiary to other fire insurances concluded by the tenant, …), as regards your liability as a tenant in case of fire, explosions and water damages, on the condition that one example of the lease is sent to Ghent University timely (taking into account the stipulations of the lease). However, the fire insurance through Ghent University doesn’t insure your home contents: we advise you to contact an insurance company or insurance broker to subscribe an insurance of your home contents (it is not possible to subscribe such an insurance through Ghent University).

(*) The E.E.A. countries are the Members of the European Economic Area, i.e. the Member States of the European Union, Iceland, Norway and Liechtenstein.

(**) For purposes of information, you will find below a limited list of authorised health funds in Ghent, in alphabetical order:

    For a complete list of health funds in Ghent and other cities, see: http://www.riziv.fgov.be/nl/professionals/andere-professionals/ziekenfonds/Paginas/contacteer-ziekenfondsen.aspx#.WAcni-Sa2Ul