In most European countries, you are systematically registered with the social security system.
In Belgium, you have to register with a mutualité in order to entitle you to :
Compulsory insurance : designed to reimburse your health costs (doctor, medication…), while offering you a replacement income in the event of incapacity of work due to illness
Complementary insurance : offers a range of reimbursements and services on top of the compulsory insurance in exchange for a contribution paid to the mutualité
Hospital and medical expenses insurance : an option provided for people who are admitted to hospital
Social service : person or family help service
Salaried persons contribute financially to the system through the “social charges” retained from their professional income (13,7% of your gross salary) paid by the employer.
Mutualités listed in this guide make life easier for expats.
Most of the Mutualités have a large network of agencies, mail facilities, internet sites, shops online.
Should an employee often work in his/her country of residence, this is where he/she will pay social security, otherwise in the country where he/she works the most often;
Employees who, for a limited period, work in the territory of a Member State other than the Member State in whose territory they pay contributions.
As the employee carries on being connected to his/her “original” company, he/she carries on paying his/her social security in his/her country of origin and to qualify for it. In order to be registered in your country of work, you must ask for the E106 form to get reimbursed. The E106 must be issued by the country where you used to pay Social Security contributions.
According to the principle of the country of employment, the employee joins and benefits from the social security system in the country where he/she works. If he/she seeks to qualify for healthcare in his/her country of residence, he/she has to ask his/her mutualité for a specific form (E106 or BL1 or S1). He/she may then qualify for the two health protection systems.
According to the principle of the country of employment, the employee joins and benefits from the social security system in the country where he works with a local contract.