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Proof of health care insurance is a prerequisite for obtaining valid
residence status and also a necessary requirement for enrolment at the School.
Apart from these legal requirements, health care insurance is also in your own
best interest.
How you obtain, or prove, your health care insurance coverage depends partly
on your nationality.
Citizens of the European Union and Selected Countries
For students who are citizens of an EU country or of Iceland, Liechtenstein,
Monaco, Norway, Switzerland, Algeria, Tunisia, Turkey, and the former
Yugoslavia, proof of the required health insurance coverage is provided via Form
E111 or the European Health Care Card, which you can obtain in your local health
insurance office. Those possessing this form or Card do not have to obtain
additional health care insurance coverage during their stay in Belgium.
Reimbursement of your medical costs will be provided by a Belgian mutual health
insurance company upon showing your E111 form or European Health Care Card. This
also applies to costs for medication - ask for form 704N at your pharmacy.
Students who do not possess either Form E111 or the European Health
Care Card must follow the same procedures as non-EU students as described
below:
Citizens of Countries Outside the European Union
If you are self-supporting or you have a scholarship that does not include
health care insurance.
If you currently have health care coverage in your home country, and this
insurance would also cover any medical expenses during your stay in Belgium,
there is nothing else you need to do (apart from proving that you have the
coverage).
If you do not have coverage, or your insurance does not cover costs while
outside your home country, you will need to purchase insurance to cover your
period of residency in Belgium. If you have proof of residence in Belgium, the
insurance is free. You can obtain this proof at the immigration registry office
in Ghent, Woodrow Wilsonplein1. This means that you are domiciled in Ghent.
Without this proof, you can take advantage of health insurance coverage at a
somewhat reduced cost as a student. To prove your student
status, you will need to obtain a certificate of enrolment issued by the Vlerick
Leuven Gent Management School coordination office.
Therefore, to prevent delay in obtaining coverage, you should check-in with
the coordination office as soon as possible upon arrival in Ghent. Once
you have your enrolment certificate, you can immediately take it to a Belgian
health care insurance company of your choice to obtain the necessary
insurance coverage. Insurance is provided on a quarterly basis and starts from
the first day of the quarter in which you enrol. The cost for the first quarter
is approximately € 48.
Temporary private insurance
If you arrive in Belgium before the beginning of the enrolment period, you
cannot subscribe immediately to a health care policy as a student. To cover the
period before your student coverage begins, we urge you to take out a temporary
private health care insurance. The price per month for such coverage is
approximately 38 euro for men and 56 euro for women. These amounts apply TO EACH
family member.
Will my insurance at home cover my health care abroad?
Not all international students are covered while abroad; coverage depends on
a number of criteria. To be sure you are covered, please contact your health
care insurance company at home before leaving for Belgium.
Supplemental Insurance for all Student Activities
In addition to health care insurance, we offer a special supplementary
personal accident insurance to the students, which covers all student activities
including commuting to and from the courses. This is supplementary insurance,
over and above the required health insurance.
Any cost not reimbursed under your health care insurance will be covered by
this special policy, on the strict condition, however, that the student
concerned has paid all premiums for health insurance. Therefore, students from
the EU countries must be in possession of the necessary E-forms, whereas
self-supporting students must be full members of a Belgian health care company.
This supplemental policy also covers third-party liability - that is, you are
insured, within reason, against all damages resulting from actions committed by
you while you are on campus as a student of the University.
Third Party Liability Insurance
Vlerick Leuven Gent Management School requires students to subscribe to a
third-party liability insurance policy that covers off-campus damage caused by
the student or their close family members. Only damage to third parties (i.e. to
others) is covered. This means that your personal damage is not covered under
this policy. There is, however, a guarantee of legal assistance as needed. For
example, suppose you accidentally scratch a parked car while riding your bike
and you are held responsible for the damage. The third party insurance will pay
for the damage to the car but not your bike. Students are required to pay a fee
of 15 euro per year for this policy. Only students who can prove that they are
already covered for liabilities as a private person are exempted.
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