Studying in Belgium

You are a resident of the EEA if you live in: Belgium, Bulgaria, Cyprus, Denmark, Germany, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Croatia, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Czech Republic, United Kingdom, Sweden, Iceland, Liechtenstein or Norway. 

• I have a European Health Insurance Card (EHIC)
  Take your card with you to Belgium. You can obtain the card from the health insurance provider in your home country. Please note that the card must be valid for the duration of your stay in Belgium. You do not need to register with a health insurance provider and you do not need to pay a contribution. Do you have any medical costs during you stay in Belgium? Then, visit the CM office in your neighborhood. We will take care of the administrative forms to ensure reimbursement of your medical expenses runs smoothly. 
• I do not have an EHIC
  Has the health insurance provider of your home country not issued you with an EHIC, or were you given a different document? In which case, you will have to register with a Belgian health insurance provider. Usually, you can be registered as detailed in the following section ‘I am not a resident of the EEA’. Attention: what if you do not receive income in Belgium (such as wages or a salary) and you are still required to pay insurance in an EEA country or in Switzerland? Then, an EHIC is mandatory. 
• I am a Dutch student
  Ask your Dutch health insurance provider for an ‘E106’ or ‘S1’ form. You can use the form to register with CM. You will be reimbursed for your Belgian medical expenses in accordance with Belgian regulations. You must pay a CM contribution for any additional services and benefits.

You must register with CM. Depending on your situation, there are two options: Registration as a ‘resident or remaining in Belgium’ 

You can only register as a resident if you have an official residence in Belgium and you have a valid residence permit. After arrival in Belgium, you must contact the register office in your municipality as soon as possible. You can then start the procedure for obtaining the required residence permits. 

You must pay the following contributions: 

• A statutory contribution of between 0 and 881,42 euros every 3 months (2023). This contribution depends on your taxable income in Belgium or abroad; 
• A CM contribution for any additional services and benefits. 

Registration as a student of Higher Education
This registration is for students who do not (yet) have valid residence permits. Submit a certificate of registration from your educational institution (University or Institute of Higher Education) to CM. You must pay CM the following contributions: 

• A statutory contribution of 74,72 euros per quarter (2023); 
• A CM contribution for any additional services and benefits.

Take your Medicard with you to Belgium. You can obtain this card from your health insurance provider in Australia. You do not need to register with CM in Belgium and you do not need to pay a contribution.

As a CM member you are entitled to a wide range of services and benefits. For example, attractive gifts for the birth of a child, additional benefits in eye care and for treatment by an osteopath and chiropractor (‘bone manipulator’). If you play sports, CM will give you a helping hand financially. Are you going on a trip? Then, you are entitled to CM travel assistance. 

More info about our services and benefits can be found by visiting www.cm.be/voordelen.