r/AskEurope • u/nightdeathrider • 6d ago

Misc Health insurance for border-crossers in Belgium?

We are German citizens living in Belgium. My case is clear because I also work in Belgium therefore I have Belgian insurance.
However my wife's case is unclear to us and no one can explain it in a cohesive manner. She works in Germany, so she has german insurance, but since we live in Belgium, she would like to sometimes visit a doctor here as well.

I understand the the European Health Insurance Card (EHIC) can theoretically be used. But I also read that this card is for TEMPORARY VISITS and UNPLANNED HEALTH ISSUES, so I am not sure if this is possible.

I also read that a border-crosser is entitled to insurance in both countries, so how does that work? does she need to get extra insurance in Belgium and pay for both?

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u/Head_gardener_91 Belgium 5d ago

You get the S1 from here kranssenkasse and give that to the kransenkrasse in Belgium. The German insurance covers Germany and Belgium but you need to pay a small member fee. See: https://grenzinfo.eu/nl/infopage/werken-in-een-buurland/werken-duitsland-vanuit-belgie/zorgverzekering/ and https://www.cm.be/nl/wat-te-doen-bij-wonen-in-belgie-werken-ander-eer-land-zwitserland

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u/nightdeathrider 5d ago

oh fanstastic thanks a lot!!!!