In Belgium, one is obliged to join a health insurance when you start tot work. Under 25, when you are studying, you are automatically in the fund of your parents. Each fund provides free health insurance. This is paid by employer and employee contributions to social security and by grants from the federal government.
Healthcare is very expensive and therefore it is necessary to have a supplementary health insurance protection. Some companies offer additional healthcare and hospitalization as extra-legal benefits in addition to their wages.
Fortunately Eric’s employer offer this extra insurance 🙂 Additional hospital costs are very expensive. We have personally experienced after being 7 weeks in hospital and 3 operations.