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Your health (insurance): does heart or brain lead the way?

Belgium is recognised for its robust healthcare system, yet disparities in access, health literacy, and financial resilience persist. In our Health Insurance Report, we delve into critical topics such as mental health, generational shifts in expectations, and the growing need for transparent communication, outlining how we can build a healthier and more equitable future for all Belgians. 

FSI Health Insurance Report

The paper, written in collaboration with AG Insurance, provides a comprehensive view on citizens’ perceptions regarding health and the cost of healthcare in Belgium, revealing the level of health literacy and how health insurers and other stakeholders could help improve access, transparency, and the experience of care.   

Key findings include:  

  • 84% of Belgians hold at least one complementary health insurance policy, primarily for hospitalisation coverage through mutual health funds.  
  • Significant financial barriers to healthcare access still exist:
      
    • Over one-third of Belgians delay or avoid care due to financial constraints, especially for specialised consultations and regular check-ups.  
    • Over a quarter of the respondents struggle to afford unexpected medical expenses exceeding €200, corresponding to services like dental visits or glasses. When the expenses exceed €500, half of the respondents struggle. 
  • Transparency of healthcare processes should be improved: 

    • Around 26% of respondents struggle with billing and cost comprehension, especially younger individuals and those with a less healthy lifestyle.  
    • 44% are unaware of their personal costs before committing to treatment. This lack of transparency disproportionately affects those with lower health literacy and contributes to financial strain. 
  • 27% of young adults (25-34 years) use health apps and have very different expectations than other generations regarding healthcare. 

With an understanding of the challenges and opportunities, all stakeholders (such as insurance companies, hospitals, mutual health funds, and government) can work together to further enhance our healthcare system and empower all individuals to take charge of their own wellbeing. The report includes concrete recommendations for collaboration and next steps. 

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