EU and non EU students



Mutual insurance for students from the European Union

You have three options:

You keep your national health insurance

  • In this case, you are subject to the reimbursement conditions of your country but you have to pay the costs of your health care (visit to the general practitioner, STI screening, blood tests, COVID test, ...) in Belgium.
  • So you do not necessarily have to register with your town hall (“commune”) in Belgium.
  • If you are not registered with the town hall (“commune”), this means that you will not have a Belgian national registration number (NISS BIS).
  • If you stay in Belgium for a long period of time, not having a NISS can sometimes make it difficult to access certain care (PCR tests, vaccinations, etc.) or certain data (test results, vaccination pass, etc.).

►After registering with the municipality in Belgium: you will then receive a Belgian national registration number (NISS BIS)

  • You will subscribe to a mutual insurance company in Belgium: you will then be subject to the reimbursement conditions in application in Belgium.
  • You do not have to pay the cost of a consultation with a doctor in advance, but you will benefit from the third-party payment system. The mutual insurance company intervenes directly, as it does for all Belgians: for more information read our brochure on health care in Louvain-la-Neuve and Woluwe (here below).

You can register with the Belgian mutual insurance company without having to give up your national mutual insurance company.

This is free of charge and you do not have to be registered with the town hall (“commune”) to do so.

The Belgian mutual insurance company then acts as an intermediary for you with the mutual insurance company in your country. You do not have to advance any money or take any administrative steps with your own mutual insurance company.

The Belgian reimbursement rates will then apply to you. A Belgian BIS national registration number will then be created.

Mutual insurance for non EU students

► Student visa – health insurance and mutual insurance in Belgium

When you do your application for a student visa as a resident of a non EU country, you need to prove that you have or will have a health insurance and sufficient means of subsistence. Taking a health insurance in Belgium is mandatory and relies on the student’s responsibility. We stress this as medical costs in the case of an accident or a disease can be very high. Without a health insurance, the student will have to cover all the costs himself.

Taking a mutual insurance in Belgium is mandatory.

► When to enroll in a health insurance in Belgium?

You need to enroll to a mutual insurance as soon as you have your residence permit (delivered by the town hall).

  1. If you have a travel insurance or a health insurance related to your scholarship, the town hall immediately delivers the residence permit valid for one year. You then have to subscribe to a mutual insurance (an obligation from the “Office des Étrangers”). You will then be enrolled under the “residence” status.
  2. If you do not have a health insurance when arriving on the territory (you then have a visa D-B43), the town hall – this may vary from one town to another – deliveres a temporary residence permit (4 months of validity), a document with your household composition or another document with temporary validity. With this document mentioning your national Belgian registration number you can then enroll to a mutual insurance (in most cases under the “student” status).

With this mutual insurance subscription, you need to go back to your town hall and obtain a permanent residence permit. Then you can change your status with your mutual insurance and obtain the status of “resident”, this is more advantageous for you.

► What is the contribution for the basic health insurance?

  1. You need to pay a legal contribution for your health insurance. This contribution is the same in all the health insurance companies and depends on your situation (status and income). With your “temporary residence permit” (or another temporary document), you can enroll as a “student”: you pay a legal contribution of 63,90 € per trimester (amount for 2022). Once you have an official residence in Belgium and a residence permit (for the year), you can enroll as a “resident” in Belgium: the contribution will then be of 0 € per trimester (amount for 2022).
  2. Contribution for the complementary insurance

If you enroll to one of the 5 mutual insurances (except the CAAMI), you need to pay a contribution, in addition to the legal contribution. The contribution comes to around 35 € per trimester (amount for 2022).

In exchange for this contribution, you benefit from services and additional advantages such as additional services for ophthalmology care, psychological help, speech therapy, osteopathy, additional contribution when giving birth and childcare, contributions when enrolling in a sports club, travel assistance, etc.

As the CAAMI does not offer any additional services other than mandatory health insurance, affiliation to CAAMI does not imply any additional contribution.



Health check-up for non EU students


If you are enrolling for the first time at UCLouvain after having lived in a country outside the European Union, the University asks you to carry out a health check-up with the campus doctor.
This health check-up is mandatory, confidential and free of charge.

The health check-up has no impact on your academic future. Its sole purpose is promoting your health and that of the community as a whole.

It gives you some tips and information about health care in Belgium, life on the campus and it gives you the opportunity to ask questions about your health.

Before coming to your appointment, please fill in the medical questionnaire. You can fill in this form online and come to your appointment with a printed version or you can send us the completed questionnaire by email a this email address :

For further information:

To make an appointment with the student doctor go to:

In Louvain-la-Neuve: the « Point de Repère », 10 rue des Wallons. Phone: 010/47 20 02
In Brussels: the Town Hall, Student Support Service, Reception, 31 Promenade de l'Alma. Phone : 02/764 41 31
In Mons: Student Support Service, 151 chaussée de Mons. Phone: 065/ 32 32 32

Medical questionnaire

Before coming to your appointment, you can fill in the following questionnaire online and come to your appointment with a printed version or you can send us the completed questionnaire by email a this email address :

French version : questionnaire de santé

English version : medical questionnaire


It is possible to upload these brochures. They are also available in the different services and by your health team.

► Brochure on health care

Please see the brochure explaining health care available in Belgium, in particular before your meeting with the campus doctor. This will enable you to prepare all your questions.

For Louvain-la-Neuve

Brochure "Mode d'emploi à destination des étudiants"

Students Guide "Taking care of your health"

For Woluwe

Brochure "Soins de santé à Woluwe"

Students Guide "Taking care of your health"

► Brochure on food

This brochure give you a number of general and very practical information to manage your food habits in the best way

Brochure "Eating healthily in Belgium"