SIP complement to mutual health care cover

Why should I choose SIP complement to mutual health care cover ?
If you already have a basic mutual healthcare cover (or if you are entitled to a European Health Insurance Card), the SIP Complement option will top up your medical costs in full after the allowance refunded to you by your mutual healthcare fund.

Costs of treatment

The SIP complement to the mutual health care cover completes the basic mutual health care cover that you already have. The covered health care costs will be refunded after the intervention of the mutual health care insurance company.
No deductible, no limit of indemnity.

Other medical costs

Costs of urgent dental care : 250 EURO/year
Psychotherapy : 9 sessions
Physiotherapy : 12 sessions

Assistance to persons

SIP offers you :
-repatriation or medical transport : real costs
-early return in case of death of a relative : real costs
-the dispatching of medicines abroad : real costs
-search and rescue costs : real costs
-telecommunication costs : 125 EURO
-assistance in case of loss or theft of travel documents : real costs
-repatriation of the mortal remains : 7.500 EURO
-legal assistance : 5.000 EURO
-transport and accommodation costs of 2 family members in case of serious illness or mortal danger of the insured : 7.500 EURO

Luggage and household effects

Luggage : 1.500 EURO
Household effects : 5.000 EURO

Civil liability in private life

The SIP covers civil liability in private life following Royal Decree of 12 Jan 1984:
physical damage : 19,446,712.44 EURO
material damage : 972,335.62 EURO
deductible : 125.00 EURO
based on the index of November 2003 (hirer’s liability also insured)

Capital in case of death or invalidity

Death due to an accident : 5.000 EURO
Permanent invalidity due to an accident : 75.000 EURO


The amount of the premium (above 25 EURO) will be refunded if the student has to return to his/her home country for an unexpected reason.

The premium

The premium is calculated per insured day :
0,70 EURO/day taxes excluded
Administration costs :
3,50 EURO/person (minimum premium/person : 25 EURO)
Ogone online payment service will allow you to pay the premium after submitting your application.
You can make quickly and securely payment online with Bancontact/VISA/MasterCard

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Status at the destination

(*) Applicable for a familiy member of an insured person with a SIP or EMIS2 policy number.