Being well-prepared when traveling abroad is essential, as unexpected incidents may occur.
Find the information you need by clicking on the relevant situation.
Holidays in a country of the European Union, Switzerland, Norway, Iceland
Holidays in a country with bilateral agreements
Holidays in a country of the European Union, Switzerland, Norway, Iceland, Liechtenstein
Do you choose to spend your holidays in a country of the European Union, Switzerland, Norway, Iceland, Lichtenstein ?
Make sure you are properly covered for a holiday with peace of mind. You may be eligible for reimbursement of your healthcare received in these countries under current EU regulations
Before your trip
What formalities should I follow before going on holiday ?
In order to be able to enjoy your holiday at its best and with peace of mind, it is important to follow certain steps before your departure.
- Make sure you are in good standing with your health insurance fund.
- Check if your destination is covered by our Mutas alarm centre, because an accident can happen quickly !
More information about the MUTAS service
Your travel documents
Have your cover document ready before you leave. Depending on the destination of your holiday, you can apply for an EHIC.
More info on the European Health Insurance Card (EHIC)
This card covers you for medically necessary healthcare in all countries of the European Union as well as in Switzerland, Great Britain, Norway, Iceland, North Macedonia, Lichtenstein and also Australia.
Are you on sick leave at the time of your departure ?
Be sure to ask for prior authorisation from the medical advisor of your health insurance fund.
During your trip
Are you sick or have you had an accident ?
As a member of the Neutral Mutual Benefit Societies, you will receive appropriate support, including the management of your care in many situations.
Here are some tips on how to get through this unpleasant period as well as possible.
1. 1. Call your MUTAS overseas assistance insurance.
Please note ! In case of hospitalization, contact MUTAS within 48 HOURS.
To find out when and how to contact MUTAS, go here.
2. 2. Use your European Health Insurance Card to benefit from a possible reimbursement on site.
Reimbursement options for your treatment in the country of stay
Thanks to your European Health Insurance Card or your certificate of replacement of the European Health Insurance Card, you have the possibility of benefiting from a possible reimbursement :
- Through immediate care by presenting your European Health Insurance Card to the healthcare provider.
- With a health insurance fund in your country of stay by registering free of charge on the basis of your European Health Insurance Card.
Please note !
- Reimbursement will be made on the basis of the conditions and rates of the country of stay in the same way as a local insured personl.
- Co-payments and additional charges may remain at your expense.
- The European Health Insurance Card may not be accepted by private healthcare providers. You will therefore have to submit a file afterwards to your health insurance fund
Have you forgotten your European Health Insurance Card or your certificate of replacement of the European Health Insurance Card ?
Don't worry, it is still possible to :
Contact your health insurance fund
You can't do the administrative procedures during your stay ?
Do you not have your European Health Insurance Card or do you receive care in a private health system ?
Keep all your original receipted invoices, prescriptions and medical reports carefullly in order to submit them to your health insurance fund on your return and to benefit from a possible reimbursement of your care.
After your trip
How do I get a refund for your care when you return ?
Submit your documents to your health insurance fund as soon as possible.
To ensure that your application is admissible, make sure you meet all the criteria :
- A sworn declaration "Care abroad" on behalf of the care recipient, provided by your health insurance fund, must be completely and correctly completed, dated and signed
- Invoices must be original and paid
- All prescriptions and/or medical reports must be attached
Counsel
We recommend that you :
- Retrieve prescriptions or make a photocopy of them after using them at the pharmacy
- Take photos of your boxes of medicines purchased abroad and attach them to your file
Holidays in a country with bilateral agreements
Are you spending your holidays outside of Europe? Belgium has concluded a healthcare agreement with some countries.
Make sure you are properly covered for a holiday with peace of mind. You can benefit from a possible refund Your healthcare received in the countries concerned under the existing bilateral agreement
Before your trip
What formalities should I follow before going on holiday ?
In order to be able to enjoy your holiday at its best and with peace of mind, it is important to follow certain steps before your departure.
- Ensure your membership and contributions to your health insurance fund are up to date.
- Check if your destination is covered by our Mutas alarm centre, because an accident can happen quickly !
More information about the MUTAS service
Your travel documents
The temporary residence document can cover your immediately necessary care in the countries concerned through immediate care.
This document is valid for 3 months*.
- You must request your form from your health insurance fund before you go on holiday.
- Certain conditions must be met to benefit from a hedging document under a bilateral agreement.
! Be sure to contact your health insurance fund to check whether you meet the conditions set out in the bilateral agreement in force.
Find the document about your destination below :
Document | |
Albania | BE-AL.111 |
Algeria | B-ALG.8 |
Australia | EHIC |
Bosnia and Herzegovina | BE-BIH.111 |
North Macedonia | EHIC |
Morocco | BE-MAR.111 |
Montenegro | BE-MNE.111 |
Serbia | BE-SRB111 |
Tunisia | BE-TN.111 |
Turkey | BE-TR.111 |
*It is not possible to request an extension of your coverage document remotely. To do this, you must return to Belgium.
Are you on sick leave at the time of your departure ?
Be sure to ask for prior authorisation from the medical officer of your health insurance fund , your health insurance fund, otherwise you will not be covered by the social security agreement between Belgium and the country of stay.
During your trip
Are you sick or have an accident ?
As a member of the Neutral Mutual Benefit Societies, you will receive appropriate support, including the management of your care in many situations.
Here are some tips on how to get through this unpleasant period as well as possible.
- Call your MUTAS overseas assistance insurance.
Please note! In case of hospitalization, contact MUTAS within 48 HOURS.
To find out when and how to contact MUTAS, go here.
- Use your cover document to benefit from a possible reimbursement on site
Possibilities of reimbursement of your care in the country of stay :
Thanks to your cover document, you have the possibility of benefiting from a possible reimbursement :
- By presenting your coverage document directly to the hospital for immediate coverage
- By registering with a health insurance fund in your country of stay.
Please note ! Reimbursement will be made on the basis of the conditions and rates of the country of stay in the same way as a local insured person.
Forgot your cover document ?
Don't worry, it is still possible to :
Contact your health insurance fund
Holidays in another country
You are travelling to a country that is not covered by European regulations or a bilateral agreement , or you are simply not covered by the regulations in force.
Before your trip
Coverage and reimbursement
- No cover document is provided for your destination.
- You will be able to obtain a possible refund when you return.
The reimbursement of your treatments will be made according to Belgian rates and conditions.
Counsel
We strongly advise you to :
- Check if Mutas still covers your destination
OR
- Take out private foreign assistance insurance to be prepared for any eventuality.
After your trip
How to obtain a possible reimbursement of your care ?
Submit your documents to your health insurance fund as soon as possible.
To ensure that your application is admissible, make sure you meet all the criteria :
- A sworn declaration "Care abroad" provided by your health insurance fund must be completely and correctly completed, dated and signed
- Invoices must be original and paid
- All prescriptions and/or medical reports must be attached
Counsel
We recommend that you :
- Retrieve prescriptions or make a photocopy of them after using them at the pharmacy
- Take photos of your boxes of medicines purchased abroad and attach them to your file.
Cruise
In the case of a cruise, it is not the country you sail to that is important, but the country under which the ship is registered.
Example : a boat can sail on French waters, but under the Panamanian flag. In this case, you fall under a country without a convention.
- If you receive care on the boat, it will be considered as care provided in that country.
- If you receive treatment after disembarkation, the rules that apply in that country will be in force.
! Contact your health insurance fund to check if any coverage is possible.