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Our insurance policies

An insurance policy with the Overseas Social Security always includes at least the basic package (the 'General Scheme'). You can extend this basic package according to your preferences, with our supplementary insurance policies Medical Care and/or Workplace accidents. The supplementary insurance policy Workplace accidents has a further option Accidents in private life.

Which insurance policies does the Overseas Social Security offer?

Basic package

General Scheme

Our protection closely adheres to the Belgian mandatory social security scheme:

  • You build up a pension
  • You receive benefits in case of incapacity for work, disability and maternity leave
  • We reimburse your medical expenses according to the RIZIV rates, from a certain age and a minimum of 16 years of contribution payments

Complementary insurances

Medical care

Get your medical expenses reimbursed from the moment you affiliate.

For medical expenses in Belgium:

  • As an individual: RIZIV rates
  • Affiliated via employer: up to a maximum of 100% of the bill

For medical expenses abroad:

  • 75% reimbursement for RIZIV expenses
  • worldwide
  • no annual limit
  • also for dependent family members

Workplace accidents and Accidents in private life

Opt solely for Workplace accidents insurance, or combine it with the Accidents in private life insurance. They provide cover for:

  • medical costs
  • transportation costs
  • repatriation costs
  • incapacity for work

Why did our members choose the OSS?

Rooted in Belgian social security

The Overseas Social Security is a legal system anchored in the Belgian social security system. As such, you benefit from significant advantages when you join.

Continuity on return to Belgium

Are you returning to Belgium? Then it is a bit like you never left. After all, you have always remained affiliated to the Belgian social security system. That makes it easy to rejoin the Belgian system.

Flexible and very complete coverage

The Overseas Social Security listens to your questions. We continuously test our products and services against your needs. We are also open to cooperation with external partners to enhance our social role

An attractive pension

With the pension insurance of the Overseas Social Security, you save for your own retirement pension. Just like the Belgian pension scheme, our insurance policy also supports your family if something happens to you.

No minimum membership period

Are you planning to work abroad for a limited period? With the overseas social security, this is possible.

Available services with long experience in expatriation

The Frontline is a direct line to experts ready to help you in any situation. We leave no question unanswered.

Contact us at overseas@onss.fgov.be or at +32 2 509 90 99

Let’s make sure we’re still connected

Choose the digital route

You need to have access to our online services from all over the world. We are eager to provide you all the documents you need as soon and secure as possible. That is why we advise you to find out how to Activate your digital keys and Activate your My eBox account, so you have access to all the paperwork you need, even when on long distance. Read more in the document All you need to do for an optimal digital service.

Keep us posted

Report any change in your personal or professional situation.
Inform us on any changes in your address, bank data, e-mail address, employer or whatever other change. Are you returning to Belgium? Let us know! Why? Because all these changes can impact your affiliation and the cover provided. And because we can be of better service if we are in on the aforementioned changes in your life. Check more on this in the document What if there is a change in your personal or professional situation?.

Make a simulation for your pension and your contributions

Use our simulator to calculate the contribution you need to make to receive to the pension you wish to have. Or conversely, enter a contribution and see what pension it generates for you.

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