Insurance requirements for studying at VIVES University of Applied Sciences

Insurance information for VIVES University of Applied Sciences

Insurance is important while studying at VIVES University of Applied Sciences because it can protect students from financial loss due to unforeseen circumstances such as accidents, illness, or theft. It can also provide coverage for tuition and other school-related expenses in case of emergency or withdrawal from classes. Having insurance can also provide peace of mind and allows you to focus on your studies.

About VIVES University of Applied Sciences

The VIVES University of Applied Sciences consists of five campuses situated in Brugge, Kortrijk, Oostende, Roeselare and Torhout, and provides a whole range of professionally oriented study programmes at the level of bachelor. These five cities are medium-sized cities in Flanders, the Dutch-speaking region in Belgium.

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VIVES University of Applied Sciences
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Insurance information for Belgium

If you are going to study and live in Belgium, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.

International students in Belgium

In Belgium, individual medical insurance is mandatory. And this also applies to international students. If you come to study in Belgium you therefore need to take out health insurance before or as soon as possible after arriving. This will give you the right to receive a full or partial refund, depending on the service provided, for your medical costs and certain medicines. If you so wish, complementary illness insurance also exists. Although not mandatory, this covers part of all the costs not reimbursed by regular medical insurance.

Students from EU/EEA countries

Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance. EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country

Students from outside the EU/EEA

Students from outside the EU/EEA will have to take out health insurance.With your proof of enrolment, you can subscribe to a health insurance policy at the insurance company of your choice. Health insurance funds will cover around 75% of the costs for doctors, hospitals and clinics; around 20% of prescription costs; basic dental costs. There are however alternatives with no such co-payments or deductibles.

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Is this enough?

It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:

  • (Additional) medical costs, i.e. dental, you will have to pay 25% of many medical expenses
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid
  • Worldwide cover

You will need an insurance policy also covering, but also arranging for you, for example:

Free quote from Aon

Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.

About Belgium

Belgium boasts top-notch universities in Europe, excelling in fields such as Political Science, Economics, Humanities, and Medicine. International students can select from a wide range of English-taught programs. Language enthusiasts can also seize the opportunity to learn Dutch, German, and French, enhancing their job prospects in Belgium. The country's globalized outlook fosters a warm and inclusive environment for international individuals, making it easy to settle in and find one's rhythm. During leisure time, one can explore magnificent historical landmarks and unique attractions, like the enchanting Mini-Europe miniature park.