Health insurance companies in Belgium provide essential coverage for various medical needs, ensuring individuals and families access the healthcare they need. The industry includes both large private insurers and specialized boutique firms, offering products from basic health insurance to more complex employee benefit packages. Trends point towards increased digitization and flexibility in offerings, reflecting changing consumer demands. Companies increasingly utilize technology to streamline claims processes and improve customer interactions. As healthcare laws evolve, companies in Belgium must adapt, emphasizing personalized services and maintaining a strong relationship with their clientele to remain relevant in a competitive market.

The companies featured in this list vary in size and specialization, from multi-national firms like Cigna Health Benefits to community-focused agencies such as Comopolis. Many were founded decades ago, establishing a rich history in insurance. Located primarily in Flanders and Brussels, these companies cater exclusively to Belgian residents. Their offerings include health, pension, and liability insurance, underscoring a commitment to comprehensive coverage. While employing different business models, these companies share a focus on client-centric solutions in an evolving industry.

Continue reading to explore the top health insurance companies in Belgium.

Top 24 Health Insurance Companies in Belgium

1. Cigna Health Benefits

• Website: cignahealthbenefits.com
• Ownership type: Private
• Headquarters: Antwerp, Flanders, Belgium
• Employee distribution: United States (USA) 68%, Belgium 11%, Spain 6%, Other 15%
• Founded year: 1974
• Headcount: 501-1000
• LinkedIn: vanbreda-international

Cigna Health Benefits, founded in 1974 and based in Antwerp, Belgium, is a private health insurance provider with a workforce of approximately 580 employees. The company specializes in offering health insurance programs and employee benefits tailored specifically for intergovernmental organizations (IGOs), non-governmental organizations (NGOs), and multinational corporations. With a strong emphasis on personalized health solutions, Cigna Health Benefits has developed a deep understanding of the unique challenges faced by international organizations and their staff. Their commitment to quality is reflected in their ISO certification and a consistent customer satisfaction rate of 96%. Cigna Health Benefits operates with a global perspective, providing flexible health insurance options that cater to the needs of a mobile workforce. Their innovative initiatives, such as the use of technology to enhance the healthcare experience, demonstrate their proactive approach to meeting the evolving demands of the industry.

2. Ethias

• Website: ethias.be
• Ownership type: Private
• Headquarters: Belgium
• Employee distribution: Belgium 100%
• Founded year: 1919
• Headcount: 1001-5000
• LinkedIn: ethias

Ethias is a Belgian insurance company founded in 1919, with a workforce of approximately 1,476 employees. The company operates exclusively in Belgium, providing a wide array of insurance products tailored for both individuals and businesses. Ethias specializes in personal and business insurance, including health, accident, and property coverage. Their mission is to protect customers from various risks while offering comprehensive claims management services to assist clients during challenging times. Ethias is recognized for its commitment to customer service and has been awarded the Top Employer certification multiple times, reflecting its focus on employee satisfaction and development. The company maintains a strong local presence with offices throughout Belgium, ensuring accessibility for its clients.

3. Comopolis

• Website: comopolis.be
• Ownership type: Family Owned
• Headquarters: Aalst, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: comopolis

Comopolis, founded in 2014 and based in Aalst, Flanders, Belgium, is a family-owned insurance provider that specializes in health and pension-related products. The company offers a range of services designed to alleviate financial burdens associated with healthcare and retirement planning. Their product lineup includes savings plans for children, pension savings, and death assistance, catering to individuals and families who prioritize financial security. Comopolis aims to provide tailored solutions that meet the evolving needs of their clients, ensuring they can manage healthcare costs effectively. The company operates entirely within Belgium, emphasizing a localized approach to customer service and support. Comopolis positions itself as a proactive player in the insurance market, focusing on the importance of financial and psychological security for its clients.

4. AMMA Verzekeringen - AMMA Assurances

• Website: amma.be
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1944
• Headcount: 51-200
• LinkedIn: amma

AMMA Verzekeringen - AMMA Assurances, founded in 1944, is a private insurance company based in Brussels, Belgium. It specializes in providing tailored insurance solutions specifically designed for healthcare professionals and institutions. The company offers a range of products, including professional liability insurance, hospitalization insurance, and legal assistance, addressing the unique risks faced by those in the medical field. With a workforce of approximately 139 employees, AMMA has established itself as a significant player in the insurance market, particularly in the area of medical professional liability, where it serves over 61,000 healthcare providers. The company operates with a mission to understand and meet the specific needs of the medical sector, ensuring comprehensive protection for its clients. AMMA is managed by healthcare professionals in collaboration with insurance specialists, which enhances its ability to cater to the sector's requirements effectively.

5. Curalia

• Website: curalia.be
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1968
• Headcount: 51-200
• LinkedIn: curalia

Curalia, founded in 1968, is a private mutual insurance company based in Brussels, Belgium. It serves healthcare professionals, including pharmacists, doctors, physiotherapists, and nurses, by providing tailored insurance solutions and pension planning services. With a workforce of approximately 64 employees, Curalia has established itself as a trusted partner for over 20,000 healthcare providers in Belgium. The company emphasizes understanding the specific challenges faced by its members, offering personalized advice and support throughout their professional lives. Curalia's commitment to reinvesting profits for the benefit of its members reflects its dedication to the healthcare community. The company also actively engages in sustainable practices, aligning its operations with broader social and environmental goals.

6. CALLANT Verzekeringen

• Website: callant.be
• Ownership type: Private
• Headquarters: Oostkamp, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1991
• Headcount: 51-200
• LinkedIn: callant-verzekeringen

CALLANT Verzekeringen, founded in 1991 and based in Oostkamp, Flanders, Belgium, operates as an insurance broker and financial advisor. With a workforce of 112 employees, the company specializes in a wide array of insurance products, including health insurance options such as hospitalisation and dental coverage. Callant focuses on providing tailored solutions to meet the unique needs of both individuals and businesses, ensuring comprehensive coverage and financial security. Their services extend beyond insurance, offering financial advice and support for various financial products. The company prides itself on its personal approach, providing clients with a single point of contact for all their insurance and financial needs. Callant also emphasizes its commitment to customer service, offering 24/7 assistance for claims and inquiries, which is crucial in the insurance industry.

7. Zakenkantoor Remue

• Website: remue.be
• Ownership type: Family Owned
• Headquarters: Melle, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1981
• Headcount: 11-50
• LinkedIn: zakenkantoor-remue-n-v-

Zakenkantoor Remue, established in 1981 and located in Melle, Flanders, Belgium, is a family-owned insurance agency with a workforce of 11 to 50 employees. The company specializes in a wide range of insurance and financial services tailored for both individuals and businesses. Their offerings include auto, health, and liability insurance, alongside financial planning services. With a commitment to personalized service, Remue aims to support clients through various life stages, ensuring they have the right coverage for their needs. The agency prides itself on its customer-centric approach, fostering strong relationships with clients and providing independent advice. This focus on service and community engagement has helped them maintain a solid reputation in the insurance sector over the past four decades.

8. B & D Insurance

• Website: bndi.be
• Ownership type: Private
• Headquarters: Aalter, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 2001
• Headcount: 11-50
• LinkedIn: b-%26-d-insurance

B & D Insurance, founded in 2001 and based in Aalter, Flanders, Belgium, is a private insurance agency with a workforce of 11 to 50 employees. The company specializes in providing tailored insurance solutions to businesses, individuals, and associations. Their offerings include a wide range of insurance products, such as liability, health, and property insurance. B & D Insurance aims to protect clients from various risks and financial losses, ensuring that their specific needs are met. They are particularly noted for their collective hospitalization insurance and guaranteed income insurance, which cater to health-related needs. The company operates entirely within Belgium, emphasizing local service and expertise. They have not reported any funding, indicating a self-sustained operational model.

9. IN&CO Insurance

• Website: incoinsurance.be
• Ownership type: Private
• Headquarters: Antwerp, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: incoinsurance

IN&CO Insurance is a private insurance broker based in Antwerp, Belgium, founded in 2014. With a team of 19 employees, the company caters to both individual consumers and businesses, providing tailored insurance solutions to mitigate financial risks associated with various life events. Their offerings include health insurance, car insurance, life insurance, and more. IN&CO Insurance emphasizes a digital approach, utilizing online tools for premium calculations and facilitating direct contact with advisors. This modern strategy aligns with the evolving needs of clients who are increasingly comfortable with digital services. The company operates entirely within Belgium, ensuring a localized focus on the insurance needs of its clients.

10. Cover'd

• Website: coverd.be
• Ownership type: Private
• Headquarters: Geel, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1961
• Headcount: 11-50
• LinkedIn: coverd-geel-balen

Cover'd is an insurance agency located in Geel, Flanders, Belgium, founded in 1961. With a team of 21 employees, the company provides a range of insurance products, including health, home, and auto insurance. Cover'd serves both individual consumers and businesses, helping them manage financial risks through tailored insurance solutions. The agency prides itself on fostering personal relationships with clients and ensuring quick responses to their needs. Cover'd operates as an independent agent for KBC Verzekeringen, which allows it to offer various insurance products while maintaining a focus on customer service and satisfaction. Their commitment to understanding client needs and providing effective service delivery positions them as a reliable option in the insurance market.

11. Matrix Verzekeringen

• Website: matrixnv.be
• Ownership type: Private
• Headquarters: Brasschaat, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1986
• Headcount: 11-50
• LinkedIn: matrix-verzekeringen

Matrix Verzekeringen, based in Brasschaat, Flanders, Belgium, is a private insurance agency founded in 1986. With a team of 16 employees, the company provides a wide array of insurance solutions tailored for both individuals and businesses. Their offerings include health insurance, specifically hospitalisation insurance, alongside vehicle and property insurance, as well as investment and savings products. Matrix Verzekeringen prides itself on delivering personalized service and expertise, ensuring clients receive tailored solutions to manage their risks effectively. The company operates solely within Belgium, focusing on the local market and maintaining a strong presence in the province of Antwerp. Their commitment to continuous staff training and customer service underlines their aim to provide quality insurance solutions that meet the evolving needs of their clientele.

12. Seraphin

• Website: seraphin.be
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: seraphin

Seraphin, known as Yago, is a private insurance broker based in Brussels, Belgium, founded in 2015. The company operates a digital platform that allows individuals and businesses to compare and purchase various insurance products, including auto, home, and health insurance. Yago emphasizes a user-friendly experience, providing clients with a dedicated advisor and a personal online space to manage their insurance needs. They have garnered a positive reputation, with a high customer satisfaction rate, particularly noted for their responsiveness and support during claims. Yago is recognized as a significant player in the Belgian insurance market, particularly in the digital brokerage space, and is regulated by the Financial Services and Markets Authority (FSMA).

13. Agallis

• Website: agallis.be
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1933
• Headcount: 11-50
• LinkedIn: agallis

Agallis Insurance Services, founded in 1933, is an independent insurance broker based in Brussels, Belgium. With a workforce of around 29 employees, Agallis specializes in a wide array of insurance products, including auto, home, health, and business insurance. The company caters to both individual consumers and businesses, offering tailored risk management solutions to mitigate various financial risks. Agallis has established a long-standing partnership with BNP Paribas Fortis, enhancing its service offerings. Their health insurance products include hospitalisation insurance and group insurance, indicating their involvement in the health sector. However, as a broker, they primarily connect clients with insurance providers rather than directly underwrite health insurance policies.

14. SOLIDAS Assurances

• Website: solidas.be
• Ownership type: Private
• Headquarters: Herve, Wallonia, Belgium
• Employee distribution: Belgium 100%
• Founded year: 2011
• Headcount: 11-50
• LinkedIn: solidas-assurances

SOLIDAS Assurances, founded in 2011 and based in Herve, Wallonia, Belgium, is a private insurance broker with a focus on digital solutions. The company employs a team of 11 to 50 individuals and operates primarily online, allowing clients to compare various insurance products, including auto, health, and home insurance. SOLIDAS emphasizes transparency and customer service, catering to both individual consumers and businesses. They are recognized as the first digital broker in Belgium, providing a platform that allows users to compare offers from over 35 insurance companies. Their services are designed to be accessible and user-friendly, ensuring that clients can find tailored insurance solutions quickly and efficiently. SOLIDAS is also a member of professional associations such as Brocom and Febrapel, which underscores their commitment to maintaining industry standards and practices.

15. Insurope SC/CV

• Website: insurope.com
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Employee distribution: Belgium 71%, United States (USA) 14%, China 10%, Other 5%
• Founded year: 1968
• Headcount: 11-50
• LinkedIn: insurope

Insurope SC/CV, founded in 1968 and based in Brussels, Belgium, is a private insurance company that specializes in employee benefits services tailored for multinational corporations. With a workforce of around 59 employees, Insurope operates through a robust network of local insurers in 82 countries, providing customized solutions to help companies effectively manage their global employee benefit plans. Their services include multinational pooling, life and disability insurance, and wellbeing programs, which are crucial for organizations looking to optimize their employee benefits on a global scale. Insurope has built a reputation for its expertise in coordinating employee benefits, overseeing over 4,200 plans with pooled premiums exceeding €840 million. This extensive experience and their commitment to enhancing employee wellbeing make them a notable entity in the health insurance industry.

16. Derveaux & Rubens

• Website: derveauxrubens.be
• Ownership type: Private
• Headquarters: Belgium
• Employee distribution: Belgium 100%
• Founded year: 1999
• Headcount: 1-10
• LinkedIn: derveaux-%26-rubens

Derveaux & Rubens is a private insurance agency based in Belgium, established in 1999. With a small team of around 33 employees, the company specializes in a wide array of insurance products, including health insurance, car insurance, home insurance, and life insurance. They serve both individual clients and businesses, helping them manage risks and secure their financial futures through customized insurance solutions. Their offerings include hospitalisation insurance and group insurance, which are essential components of health coverage. The agency emphasizes personalized service, allowing clients to request quotes and manage their insurance portfolios effectively. Their focus on health insurance, alongside other insurance products, positions them as a relevant entity in the insurance market.

17. Assurances Mosanes

• Website: assurances-mosanes.be
• Ownership type: Private
• Headquarters: Belgium
• Employee distribution: Belgium 100%
• Founded year: 1984
• Headcount: 11-50
• LinkedIn: assurances-mosanes

Assurances Mosanes is a private insurance broker and financial services provider based in Belgium, founded in 1984. With a team of 17 employees, the company specializes in a variety of insurance products, including health insurance, auto, home, family, and business insurance. They cater to both individual consumers and businesses, helping clients manage risks and secure their financial futures through tailored insurance solutions. Their health insurance offerings include hospitalisation insurance and group insurance, which are critical for individuals and employees seeking coverage. The company prides itself on its personalized service, guiding clients through the insurance process from contract signing to claims management. Assurances Mosanes collaborates with various financial partners to provide comprehensive solutions, ensuring that clients receive the best possible coverage for their needs.

18. Yago

• Website: yago.be
• Ownership type: Private Equity
• Headquarters: Brussels, Brussels, Belgium
• Employee distribution: Belgium 96%, Other 4%
• Latest funding: $2.4M, March 2022
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: seraphin

Yago is a private equity-backed insurance broker based in Brussels, Belgium, founded in 2015. The company has carved out a niche in the insurance market by offering a digital platform that allows users to compare and purchase various insurance products, including health insurance, auto insurance, and home insurance. Yago serves both individual consumers and businesses, providing personalized advice and support, particularly in claims management. With a workforce of around 50 employees, Yago has gained traction in the industry, boasting over 25,000 clients and a high customer satisfaction rate, with 97% of clients recommending their services after experiencing a claim. In March 2022, Yago secured funding amounting to approximately €2.4 million, indicating investor confidence in their business model and growth potential. Their approach combines technology with human support, aiming to simplify the insurance process for their clients.

19. Maxel

• Website: maxel.be
• Ownership type: Private
• Headquarters: Wavre, Wallonia, Belgium
• Employee distribution: Belgium 100%
• Founded year: 2000
• Headcount: 11-50
• LinkedIn: maxel-assurances

Maxel, founded in 2000 and based in Wavre, Wallonia, Belgium, is a private insurance brokerage and financial consulting firm. With a team of 11 to 50 employees, Maxel offers a broad spectrum of services, including personal and business insurance, medical insurance, and financial advice. Their clientele consists of both individuals and businesses looking to safeguard their assets and manage financial risks. Maxel operates through multiple locations, including Wavre, Jodoigne, and Perwez, providing tailored solutions to meet the specific needs of their clients. The company emphasizes a personalized approach, ensuring that clients receive expert advice and support in various areas, including medical insurance, life and pension insurance, and professional liability coverage. Maxel is also a member of BeStronger, indicating a commitment to collaboration within the insurance sector.

20. Les AP Assurances

• Website: lap.be
• Ownership type: Private
• Headquarters: Brussels, Brussels, Belgium
• Founded year: 1929
• Headcount: 501-1000
• LinkedIn: les-ap-assurances

Les AP Assurances, known as DVV verzekeringen, is a private insurance and financial services provider based in Brussels, Belgium. Founded in 1929, the company has built a reputation for offering a variety of insurance products, including auto, home, family, and health insurance, as well as investment solutions. DVV aims to assist individuals and families in managing risks and securing their financial futures through tailored insurance and investment products. The company prides itself on its personal service, with over 1,000 consultants available to provide face-to-face advice and support. This local presence allows them to maintain close relationships with their clients, ensuring that they receive personalized attention and assistance when needed. DVV's commitment to customer satisfaction is reflected in their high satisfaction scores, indicating a strong focus on service quality.

21. Bureau Yves Pechard S.A.

• Website: pechard.be
• Ownership type: Private
• Headquarters: Belgium
• Employee distribution: Belgium 100%
• Founded year: 1970
• Headcount: 11-50
• LinkedIn: bureau-yves-pechard-s-a-

Bureau Yves Pechard S.A. is a private insurance brokerage based in Belgium, established in 1970. With a team of around 18 employees, the company specializes in providing tailored insurance solutions for both individuals and businesses. Their offerings include a wide range of products such as auto, home, health, and business insurance. The firm operates primarily in Belgium and Luxembourg, focusing on understanding customer needs to deliver customized insurance solutions. Their health insurance services include hospitalization coverage and group insurance, indicating their involvement in the health insurance sector, albeit as part of a broader portfolio of services.

22. Qvh

• Website: qvh.be
• Ownership type: Private
• Headquarters: Kortrijk, Flanders, Belgium
• Employee distribution: Belgium 100%
• Founded year: 1992
• Headcount: 11-50
• LinkedIn: qvh

QVH, founded in 1992 and based in Kortrijk, Flanders, Belgium, is a private insurance brokerage and financial advisory firm. With a team of approximately 34 employees, QVH specializes in providing tailored insurance solutions and financial strategies to both individuals and businesses. Their offerings include a variety of insurance products such as home, auto, family, and health insurance. The company emphasizes customer engagement through an online portal that allows clients to manage their insurance products and access personalized advice. QVH has invested significant effort in building expertise in areas like medical professions and financial strategies, positioning itself as a knowledgeable partner for its clients. They also focus on fiscal optimization strategies for businesses, indicating a comprehensive approach to financial advisory services.

23. Infinia Group

• Website: infiniagroup.be
• Ownership type: Private
• Headquarters: Belgium
• Founded year: 2022
• Headcount: 11-50
• LinkedIn: group-infinia

Infinia Group, founded in 2022, operates as a private financial services and insurance broker based in Belgium. With a team of 25 employees, the company has quickly established itself as a partner for independent professionals and entrepreneurs, particularly in the healthcare sector. Infinia Group offers a variety of services, including professional and private insurance, investment management, and banking services. Their expertise lies in providing tailored insurance solutions for healthcare professionals, ensuring that clients receive personalized support throughout their careers. The company emphasizes building long-term relationships with clients, which is crucial in addressing their financial needs effectively. Infinia Group has been recognized for its commitment to the healthcare industry, having supported professionals at every stage of their careers for over 20 years, despite being a relatively new entity in its current form.

24. Naveau SA

• Website: naveau.be
• Ownership type: Family Owned
• Headquarters: Thuin, Wallonia, Belgium
• Founded year: 1940
• Headcount: 11-50
• LinkedIn: naveau-sa

Naveau SA, established in 1940, operates as an insurance broker and financial services provider based in Thuin, Wallonia, Belgium. The company caters to both individual and business clients, offering a range of insurance products that include mobility, home, liability, and health insurance. Naveau prides itself on delivering tailored services to meet the specific needs of its clientele, ensuring support throughout the claims process. With a team of approximately 17 employees, Naveau has built a reputation for professionalism and customer service, managing over 6,500 clients and collaborating with around 40 insurance partners. Their approach emphasizes personalized service, with dedicated teams for claims management and financial advice, reflecting their commitment to client satisfaction and adaptability in a changing market.

Health Insurance Insights: Key Companies in Belgium

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