The Health cover and VIP services for the expats by Partenamut

You are coming to work in Belgium

Finnish institution

In Finland, the Kansaneläkelaitos KELA (social insurance Institute) is the institution who manages the sickness and invalidity. This institution is organised on a regional way.

You should contact the Kansaneläkelaitos in function of your residence place.

Website: www.kela.fi

MAIN Address :

Kansaneläkelaitos (social insurance Institut)
International Affairs Office
P.O. Box 72
00381 Helsinki
Tél. : 00.358.20.434.26.50
Fax : 00.358.20.434.25.02

What is your social security cover ?

When you transfer your residence to Belgium, you benefit from the same coverage as a Belgian policy holder, under the same conditions and at the same prices.

Registration Documents?

In most of European countries, you are systematically registered to the social security system. In Belgium, you have to register with Partenamut in order to:

  • get partial reimbursements of medical costs (hospital, doctor, chemistry, …)
  • get indemnities in case of loss of income through incapacity

The documents required for registration:

Alone - paid in Belgium: Alone - paid outside of Belgium:
  • Registration form (provided by Partenamut).
  • Declaration of being subject to the social security system (provided by Partenamut and to be completed by your employer).
  • When appropriate, the document of agreement between your country and Belgium (to be provided by your insurance agency before leaving).
  • Registration form (provided by Partenamut).
  • Income statement for residents (provided by Partenamut).
  • Declaration of your annual income (provided by your embassy or by your employer).
  • The document of agreement between your country and Belgium
Accompanied (wife/husband, children, parents) - paid in Belgium Accompanied (wife/husband, children, parents) - paid outside Belgium:
  • Registration form (provided by Partenamut) for the whole family.
  • Declaration of being subject to the social security system (provided by Partenamut and to be completed by your employer).
  • Where appropriate, the document of agreement between your country and Belgium (to be provided by your insurance agency before leaving).
  • Composition of the household (delivered by the municipality where you live or the Protocol Division of the Ministry of Foreign Affairs).
  • Modification in the household (provided by Partenamut).
  • Registration form (provided by Partenamut).
  • Income statement for residents (provided by Partenamut)
  • Declaration of your annual income (provided by your embassy or by your employer).
  • Composition of the household (delivered by the municipality where you live or the Protocol Division of the Ministry of Foreign Affairs).
  • Modification in the household (provided by Partenamut).

Your rights to reimbursement for healthcare in Belgium

The Belgian social security system does not provide healthcare free of charge.

Nonetheless, facilities are set up such as:

  • à Patient’s contribution: the social security authorities refund part of your doctor’s fees. The own contribution is the part not refunded.
  • à Third-party payment: Payment made on behalf of one person (patient) to a second person (ex: doctor, chemist, etc) party by a third person (social security for benefits received by the first person (party). Eliminating the person (party) language, these sorts of payments are a standard method of buying health.

Hospitalisation:

You have to give your SIS card (issued by Partenamut) when hospitalised. You will then only pay for what is at your charge. Please note that the hospital is up to your choice. Please note: your personal contribution will not be the same charge whether you choose for a private, double or common bedroom. This is the reason why we strongly recommend to register with a hospitalisation insurance (+ link to Hosptalia).


Medical care:

You pay the health provider (doctor, dentist, etc.) and then you submit the healthcare certificate to get reimbursement. To be identified, affix a sticker in the frame located at the top of the certificate ans then send it to Partenamut.You are reimbursed in the following way : you pay the full price to the doctor and the “mutualité” reimburses you retroactively. You can keep track of your reimbursements via our online member access : partenamut@home


Purchase of medicines:

Do not forget to present your SIS card when going to the chemist. Like this, you will only pay what is at your charge.

How do you register?

Internet: Click on online membership form


Need for appointment or more information :
The Business & Expats Service: 02/549 75 40
E-Mail address: corporate-relations@partenamut.be