What if I break a leg during my stay abroad? What if my luggage gets lost? Getting proper information on the insurances you need to take a few months before your departure is the key to a greater peace of mind when preparing your stay.

What insurances?

 
Type of insurance Covered by
Personal accidents during your academic activities ULB
Personal accidents during your journey home-University/work place ULB
Third party civil liability during your academic activities ULB
Health insurance The Student (through its mutual health funds) - MANDATORY
Supplementary health insurance and hospitalisation insurance The Student (recommended)
Travel assistance (repatriation, lost baggage...) The Student (recommended)
Third party civil liability (outside of your academic activities) The Student (recommended)
Automobile insurance The Student

As the policy holder, ULB insures students who are regularly enrolled in the University - below referred to as "the Insured" - during their stay abroad (be it in the framework of a mobility for study or an internship). To benefit from this insurance, you must: 
  • Be regularly enrolled (having paid your enrolment fees); 
  • Your stay abroad must have been registered by the Student Mobility Office (you must have signed your Grant agreement).

Please note!

Students are ensured until the 30th of September of the following academic year. The students conducting an internship after graduation can no longer benefit from the coverage underwritten by ULB. All insurances for "Young Graduates" internships must therefore be subscribed to by the individuals themselves.

1. The personal accident insurance

a - Personal accident insurance for a student in the framework of a mobility for study: 
All Insured are covered - within the limits of the insurance policy - against the consequences of an accident that occured abroad in the normal framework of the study programme conducted abroad in the places defined by the host institution.
The accident shall be recognised and accepted as such in the contract only according the definitions and jurisprudences applicable in Belgium under the Belgian legislation on work accidents of April 1971.
The insurance certificate is available as an annex of your grant agreement.

  • Insurance company: Ethias
  • Insurance Contract number: 45.045.747

b - Personal accident insurance for an intern not receiving compensation from the host institution
All Insured are covered - within the limits of the insurance policy - against the consequences of an accident that occured abroad in the normal framework of the internship programme conducted abroad in the places defined by the host institution.
The accident shall be recognised and accepted as such in the contract only according the definitions and jurisprudences applicable in Belgium under the Belgian legislation on work accidents of April 1971.
The insurance certificate is available as an annex of your grant agreement.

  • Insurance company: Ethias
  • Insurance Contract number: 45.045.747

c - Personal accident insurance for an intern remunerated by the host institution
The Student conducting a remunerated internship is normally covered by the insurance of the host institution.

2 - Insurance during the journey home-university/work place

The Student is also covered on their normal way to their study/work place (from their home to their university/work place).
The definitions of the journey to the work/study place are those applicable in the framework of the Belgian law of April 1971 on accidents on the way to work. 

3 - Third party civil liability insurance

What is third party civil liability? If someone suffers loss or damage as a result of error, carelessness or negligence on your part, then you are liable for this. That means that you are obliged to indemnify the victim: you will have to repair the damage or pay compensation.

The Insured are covered, within the limits of the contract, against the consequences of third party civil liability such as defined by the Belgian civil code (article 1382 and following) in the framwork of their study or internship activities (specified in the course/internship agreement) (damages to third parties). 

The host institution cannot however deny its own liability on the matter.

4 - Healthcare insurance

The Student must be affiliated with a mutual health fund in Belgium or a similar body.

Please note: healthcare systems differ largely from a country to another. Some services might be free in Belgium, but chargeable in other countries. Before leaving, get some information on the healthcare system of the country where you're going. The coverage offered by the European health insurance Card or by your mutual health funds card may not be sufficient, especially in case of a repatriation or in case of specific medical procedure. In that case, it may be useful to take a supplementary private insurance.

Students traveling within the EU: do not forget to request your European Health Insurance Card: the European Health Insurance Card (EHIC) helps with healthcare coverage in Europe. It certifies that its ower is affiliated to a Belgian mutual health fund. The EHIC allows you to access health professionals and hospitals in the visited country, without preliminary request and at the same rate as the country's nationals.

  • If the act of care/treatment is free for the country's nationals, it will also be free for you. You shall not have to advance any money. You may have to pay the co-payment rate (part of the fees that remains to be paid by the patient).
  • If the act of care/treatment is a paid service, you will have to advance the money. You will then be able to ask for reimbursement:
    - either in the country you are in, to the country's competent social security institution healthcare body. The contribution will depend on the social legislation and the applicable regulations in the country concerned.
    -  or when you are back in Belgium. You must keep your bills and healthcare receipts and hand them to your mutual health fund.
Students traveling outside of Europe: please be aware that some countries or universities may require that you take a health insurance in the country where you are staying. 
5 - Other insurances

Students are warmly advised to take on - at their own expenses - the following additional insurances: 

a - Supplementary healthcare and hospitalisation insurances: in particular to cover expenses in case of an illness or personal accident occuring outside of academic activities (including temporary or permanent disability).
b - Travel assistance abroad: in particular to cover for repatriation in case of illness or death abroad as well as to cover for additional expenses: baggage loss or damage, loss of personal documents, personal belongings...).
c - Personal third-party civil liability: in order to ensure your civil liability outside of academic activities.

6 - What if I'm traveling to a "risk country"?

Are you traveling to a "risk country" (please see: https://diplomatie.belgium.be/fr/Services/voyager_a_letranger/conseils_par_destination) ?

ULB's insurance covers students across the world but within the means available. The Student must therefore consider that there is a risk that the insurance may not intervene. In other words, the Student is covered even in risk countries, however, the insurance cannot be held responsible should there be delays or (diplomatic) hindrances that render the service provisions difficult or impossible.

  • It is the Student's responsibility to request information early enough from ULB's Insurance Department (Service Assurances) : assurances@ulb.be, in order to confirm the insurance's coverage applicable to your stay. 

COVID-19

Please note! Check these insurance's conditions of application in case of a pandemic! (this risk is often excluded from the insurance's scope of risks covered)

The expenses arising from a lack of insurance on points 5. a), b), et c) will remain the Student's responsibility.

Furthermore, students traveling with their own vehicle must have registered with the necessary mandatory insurances for this vehicle otherwise, they face the risk to lose the insurance benefits in case of an accident. 

Any question?

For more information, please do not hesitate to contact ULB's Insurance Office (Service Assurances): assurances@ulb.be
 
Updated on November 27, 2020