What to do in case of cross-border work? - You work in Belgium and live in another EEA country or Switzerland
In this case, as a cross-border worker you take out health insurance in Belgium and in the country where you live.
You pay social security contributions in Belgium. That is why you must register with a Belgian health insurance fund . For example, join CM. For example, in Belgium you are entitled to reimbursement for medical care according to Belgian law.
You live in the Netherlands
As a resident of the Netherlands, you must also take out insurance there (free of charge).
- You will receive the S1 form from CM that proves that you are socially insured by Belgium.
- Send the S1 form to your health insurer CZ. This way you get the same rights in the Netherlands as a Dutch insured person without having to pay a nominal premium. In addition, you are also insured under the General Special Medical Expenses Act (AWBZ).
- In the Netherlands you cannot choose between an in-kind or reimbursement policy, but you can always take out additional insurance with a health insurer of your choice.
- Your spouse or registered partner without income and your children under the age of 18 can also join using the S1 form.
You live in Germany
As a resident of Germany you must also take out insurance there.
- You will receive the S1 form from CM that proves that you are socially insured by Belgium.
- You can join a German Krankenkasse with the S1 form. For example, in Germany you are entitled to reimbursement for medical care according to German law.
You live in France
As a resident of France you must also take out insurance there.
- You will receive the S1 form from CM that proves that you are socially insured by Belgium.
- With the S1 form you can join a French Caisse Primaire de l'Assurance Maladie (CPAM). For example, in France you are entitled to reimbursement for medical care according to French law.
You live in another EEA country or Switzerland
As a resident of another EEA country (European Union countries, Iceland, Liechtenstein and Norway) or Switzerland, you must also take out insurance there.
- You will receive the S1 form from CM that proves that you are socially insured by Belgium.
- With the S1 form you can join an insurance institution in your country of residence. You are also entitled to reimbursement for medical care in accordance with local legislation.
Where are your dependent family members insured?
Your family members can also be insured with a Belgian health insurance fund, for example CM. The condition is that they are registered as co-insured family members (dependents) on your policy with the insurance in your country of residence. The insurance in the country of residence determines who is registered as a co-insured family member. The insurance company of the country of residence then informs the Belgian health insurance fund about the registration and deregistration of co-insured family members.
As a member of a Belgian health insurance fund, you and your co-insured family members are entitled to reimbursement for medical care in Belgium according to Belgian law (provided your file is in order). In your country of residence, you and your co-insured family members are then entitled to reimbursement of medical care in accordance with the legislation that applies there.