Helan Independent Health Insurance fund
per month / per adult children insured for free
“Very easy and super-fast to register. No problems whatsoever and super-friendly people!”
"They answered all my questions about the monthly bill very clearly and in a friendly manner."
Why 970,434 people have already chosen Helan?
- Over €500 of health advantages
- Over €1000 of birth advantages
- Over €3000 euros of family advantages
You can become a customer in just 5 minutes. Register now
Why 970,434 people have already chosen Helan Health Insurance
What is a health insurance fund?
In Belgium, you are required to join a health insurance fund. Helan is part of the Independent health insurance funds.
A health insurance fund reimburses statutory healthcare costs, while you pay the personal contribution yourself. If needed, we also provide incapacity benefits. In addition, health insurance funds offer a wide range of insurance options, extra benefits, holiday camps and much more.
When should you join a health insurance fund?
As a student, you usually remain affiliated with your parents’ health insurance fund until the end of the year in which you turn 26. As soon as you start a job, begin dual learning, graduate or receive benefits, you are no longer considered a dependent child.
Why choose Helan?
With Helan, you enjoy unique advantages and reimbursements that support your health and wellbeing. They include reimbursements for orthodontics, speech therapy, glasses and lenses, alternative therapies such as osteopathy and acupuncture, discounts on sports activities, mental healthcare intervention and so much more. This way, we ensure you can make the most of life without worry.
Hospital costs can be high, but with Hospitalia Smart, Hospitalia Care or Hospitalia Plus, you don't have to worry about that. Choose the cover that suits you or your family and enjoy comprehensive reimbursements for room surcharges, pre- and post-admission medical expenses and even global protection. This means you won't have any financial shocks when you need care.
A radiant smile without worry? With Dentalia Up, you receive ample reimbursement for dental care, from annual checkups to more complex procedures such as orthodontics, crowns and implants. This ensures you don't have to compromise on oral health and can maintain your healthy smile without worrying about costs.
Need help with housekeeping? Or extra support after hospitalisation or childbirth? Helan Household Help, Helan Home Care and Maternity Care make your life easier, so you can focus on what really matters.
Looking for quality childcare or an unforgettable holiday for your child? Our childcare centres provide loving care while our Heyo holiday camps are packed with adventure, sports and fun. Carefree care for you and your child.
From walking aids to medical equipment, you'll find everything you need for added comfort and independence in our Healthcare Shop. The choice to hire or buy is yours! Plus, as a Helan customer, you enjoy an extra discount.
Interested in joining?
You can become a customer in 5 minutes. Joining us is easy online. Simply provide us with your details, and we do the rest.
Strong influence as a freelancer
As a freelancer, you want to move forward, even when times are tough. Helan supports you in case of illness or pregnancy with guidance, strong insurance, and benefits.
The best care for your family
Running a family is not something you do alone. Helan is here for you with smart plans, quick reimbursements, and extra benefits for both young and old.
Clarity for expats or international students
New to Belgium? There’s a lot to take in. Helan helps expats, students, and businesses quickly connect with the Belgian health insurance system.
Practical questions and answers
Because you are in good hands with us. We keep healthy living affordable through our reimbursements and Helan advantages. Where we can, we work quickly and via digital channels. Our experts are happy to provide personalised advice when you need it. Enthusiasm and efficiency are what we are all about.
Even when life gets tough, we are here for you. If you are ill or unable to work due to surgery or an accident, we will reimburse your medical expenses and arrange your replacement income with minimal admin, enabling you to focus on getting better.
We are also so much more than a health insurance fund. We also offer you affordable insurance, childcare, maternity care, home care, household help, holiday camps and a Healthcare Shop.
If you incur expenses for medical care at a doctor, physiotherapist or dentist, the statutory health insurance will determine how much you will be reimbursed. We arrange this reimbursement for you. We process your doctor's bills quickly and reimburse you the statutory amount. You can easily track everything yourself on My Helan, your online health insurance fund.
If you become ill or something happens to you and you can't work for a while, or you have just given birth, we will arrange a replacement income or benefit for you. Until you can get back to work. You easily apply for this benefit digitally and you can track your file through My Helan.
We will arrange reimbursements for you that are determined by law. However, those who make the effort to stay healthy and balanced deserve just that little bit more. That's why, as a Helan customer, you get a range of additional advantages and reimbursements on top. Read all about what a health insurance fund reimburses.
To take out insurance through a health insurance fund, you must be a customer of that same health insurance fund. If you decide to switch to Helan, you can also transfer your dental and hospitalisation insurance to us. You can do so very easily when you join Helan. Even better, there's no need to worry about any waiting period: it simply expires, so that you remain covered at all times.
There's no need to worry: you'll get back everything you're entitled to. When you change health insurance fund, your file is always transferred on the first day of a new quarter. Your previous health insurance fund will continue to pay any reimbursements before that date. From 1 January, April, July or October, all your reimbursements will go through Helan.
If you find any old medical bills after you switch, you can submit these to your previous health insurance fund for up to two years after the date the treatment or service was delivered.
Reimbursements through statutory health insurance are largely automatic and are settled immediately as soon as your doctor passes on the consultation details. If the doctor still charges you a portion directly that you get back from another insurance policy, you can easily track how much you will get back and when you can expect reimbursement through My Helan, your online health insurance fund.
Not at all. Switching health insurance fund can be very easy, even if you are adding dental or hospital insurance for the first time. Join easily online and we will automatically cancel your previous health insurance.
Need some help with joining or switching? Get free advice, we will be happy to help you arrange everything.
There are some conditions you need to meet before you can switch to another health insurance fund.
- You must have been a customer of your current health insurance fund for at least one year
- You must not have any outstanding bills with your current health insurance fund
There is always a statutory transfer date when you change health insurance. This is always the first day of the new quarter, i.e. 1 January, April, July or October. For example, if you join us on 1 February, we will officially take over your file as of 1 April. This enables your previous health insurance fund to complete everything and provide us with a complete file, and your transfer will go smoothly and without a waiting period.
Registration must be completed no later than 12 noon on the fourth of the month preceding the new quarter. For example, if you want to transfer on 1 January, the registration must be in our possession by 4 December at the latest.
Important to know: you can only switch health insurance fund if you have been a customer of your current health insurance fund for more than one year. Switching several times a year is not possible.
Even then, switching to Helan is no problem at all! Your overpaid health insurance contributions will be automatically refunded by your current health insurance fund after switching.
If you were already paying the annual contributions for Flemish Social Protection with your current health insurance fund, we will not request those this year; you will pay those premiums next year through Helan Health Insurance Fund.
Are you satisfied with Helan and refer your partner, family member or a friend to us, you will receive a gift voucher worth 30 euros. And for every friend of yours who arranges an introductory meeting with us. Click here to find out all the details.
“I find Helan's online health insurance service really convenient. You'll find all your reimbursements in one place, and it's easy to arrange a lot of things yourself, whenever you want. That saves you a lot of time.”