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Concluding health insurance
Who needs to join?
Every self-employed person, in primary or in secondary profession, has to join a health insurance fund.
Who is entitled to health benefit?
Any self-employed person who pays his social contributions is entitled to health benefit.
Up until now self-employed people were only insured for major risks (hospitalisation, delivery, surgery, scanner, etc.) by paying social contributions.
Since 1 January 2008 small risks are included in the self-employed’s social status. Self-employed people now benefit from the same coverage as employees when it comes to healthcare.
To what am I entitled?
Your social contributions mean you are entitled to:
- Reimbursement of costs related to illness: GP appointments, medicine, hospital stays, surgical interventions, X-rays, etc.
- Benefit in case of you are unfit for work: from the second month onwards. You do need to notify the adviser/physician within 28 days.
- Motherhood benefit for self-employed women or assisting spouses, who become mothers and who interrupt their self-employed activity for six weeks.
- Motherhood assistance for self-employed woman, who go back to work immediately after their delivery, on condition that all contributions have been paid correctly in the two quarters prior to the baby’s birth.
The level of your benefit depends on your family situation and your professional income. The motherhood assistance consists of 70 service vouchers, with which you can buy one hour of domestic help.
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