Biggest private health insurance companies in Belgium 2014-2023

ERGO was the private health insurance companies with the highest market share in Belgium of the private health insurance market in 2023 with a share of approximately 34 percent. In total, the top 15 companies accounted for 98.91 percent of the overall market. In Belgium, all employees and self-employed must register and make contributions to one of five free health insurance funds or mutualities (in Dutch: mutualiteit or ziekenfonds, in French: mutuelle): Christelijke Mutualiteiten; Socialistische Mutualiteiten; Liberale Mutualiteiten; Onafhankelijke Ziekenfondsen and Neutrale Ziekenfondsen. Within this mandatory health insurance, which is paid by social benefits and government subsidies, patients are free to choose their own medical professionals and places of treatment. To increase the cover for medical costs, however, Belgian residents are allowed to add private supplementary health insurance to their mutuality.