Foreigners Moving to Belgium: Understanding Essential Insurance

Belgium offers a robust social safety net, but it can seem complex to newcomers. Some types of insurance are mandatory, while others are strongly recommended.

Health Insurance and Hospitalization

To be eligible for reimbursement of medical expenses, enrollment in a health insurance plan is essential. Hospitalization insurance is strongly recommended to cover the significant costs associated with surgery or hospitalization.

Liability, Home, and Legal Protection

• Family liability insurance covers damage caused to others in daily life.
• Auto liability insurance is mandatory if you own a vehicle.
• Fire insurance is often required for rentals.
• Legal protection is useful for administrative procedures or rental disputes.

Specific Profiles

International students have essential but limited needs: health, liability, and housing.

Expatriate workers must coordinate coverage from their home country with Belgian requirements.

Families should consider enhancing their health coverage and legal protection.

DAP also frequently assists with:

• International students,
• diplomats,
• and visitors to the Schengen Area.

Cyber insurance for online procedures

Belgium is increasingly digitizing its administrative procedures. Cyber insurance protects against fraud and identity theft, which are common during the initial stages of the process.

Why choose DAP?

Independent advice

DAP is not affiliated with any insurance company. We select the solutions best suited to your situation, with complete objectivity.

Recognized expertise

With 130 employees and 12 offices, DAP supports expatriates with diverse backgrounds, often in complex situations.

Personalized, human support

Client testimonials highlight our responsiveness, availability, clear explanations, and efficient claims handling.

DAP analyzes each client’s specific needs on a case-by-case basis to offer a solution truly tailored to their personal situation.

We support you every step of the way: analyzing your situation, identifying legal obligations, comparing coverage options, setting up policies, and providing follow-up and assistance in case of issues.

Whether you’re leaving Belgium or moving here to start a new chapter, having the right insurance is essential for a stress-free expat experience. The process may seem complicated, but professional guidance makes all the difference.

DAP guides you with clarity, independence, and a personal touch, so you can focus on what matters most: your life plan. Thanks to its expertise in various insurance sectors, particularly for Diplomats & Embassies, DAP will guide you toward the insurance coverage that best fits your needs.

As an embassy or diplomat, having the right insurance coverage is a top priority. DAP offers the perfect solution for insurance, credit, and investment needs.

We support embassies, consulates, permanent missions, international organizations, and their members (heads of mission, diplomats, administrative and technical staff, families). Our team handles multilingual (FR/NL/EN) and international needs with a high level of confidentiality.

Health Priority: Medical Care & International Coverage

Diplomats and Families

Since Belgian social security generally does not apply, it is essential to purchase appropriate hospitalization and medical care insurance: planned and emergency care in Belgium, assistance and repatriation, and dental/vision coverage as needed.

European Civil Servants

 

As a civil servant or contract staff member of the European institutions, you are covered by the RCAM. However, this does not fully cover your medical expenses. For this reason, we offer supplementary health insurance that perfectly complements your coverage (hospitalization, expensive treatments, out-of-pocket expenses) for you and your family.

Housing and Personal Belongings

Diplomatic Housing and Missions

We insure your personal property against the main everyday risks: theft and vandalism, water damage, breakage, and storm damage, with tenant liability included. This coverage applies to official housing, the Ambassador’s residence, and diplomatic housing.

Depending on your needs, we can also protect your valuables (jewelry, works of art, etc.) through increased coverage limits or an agreed-upon value.

Mobility: Private and Official Vehicles (CD License Plates)

Embassy Vehicles (CD) and Personal Vehicles

Whether it involves embassy vehicles (CD license plates) or diplomats’ personal cars, we arrange auto liability insurance in accordance with Belgian law, supplemented by comprehensive coverage (theft, fire, damage). We can add driver coverage, roadside assistance, and legal protection for complete peace of mind. Our team also handles all the necessary documentation and administrative requirements related to CD license plates.

Legal Protection and Travel

For everyday situations, personal legal protection allows you to be defended and to pursue legal action in the event of a dispute—whether it involves a lease, a complicated neighborhood issue, a disputed purchase, or an e-commerce problem. For your travels, travel insurance covers medical expenses abroad, repatriation, early return, and luggage; extensions are available for high-risk destinations or sensitive assignments.

The DAP Approach for Diplomatic Corps

We ensure that documents comply with regulations and issue the certificates and attestations required by the Protocol in French, Dutch, and English. All cases are handled with the utmost discretion by a single point of contact. When your assignments require frequent travel, we tailor our services to the specific regions and conditions to cover both official and private travel.