publicFinancial Strength: Government-backed

CAAMI/HZIV

Caisse Auxiliaire d'Assurance Maladie-Invalidite / Hulpkas voor Ziekte- en Invaliditeitsverzekering

65Score

★★★☆☆3.3

Customer satisfaction · 200K members

Test-Achats: Government-Backed Auxiliary(2026)

CAAMI/HZIV is the government-run auxiliary health insurance fund for Belgian residents who do not choose a specific mutuality. It provides core statutory benefits but no supplementary coverage, serving approximately 200,000 members.

Overall Score

65/100

Founded

1945

Headquarters

Brussels

Type

public

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Key Metrics

Type

Government auxiliary fund

Supplementary Coverage

None

Affiliation

Completely neutral — government-run

Editorial Ratings

Test-Achats: Government-Backed Auxiliary(2026)

Rating: Government Auxiliary Fund (max: #1)

65Test-Achats

Coverage Highlights

✓Government-run auxiliary fund
✓For those who do not choose a specific mutuality
✓Completely neutral — no political affiliation

Pros

✓Completely neutral — no political affiliation
✓Government-backed

Cons

✗No supplementary coverage
✗Minimal additional services

Frequently Asked Questions

What is CAAMI/HZIV?

CAAMI/HZIV is the government-run auxiliary health insurance fund in Belgium, providing core statutory health benefits to residents who do not actively choose a mutuality.

Does CAAMI/HZIV offer supplementary coverage?

No. CAAMI/HZIV provides only the core statutory health benefits and does not offer any supplementary coverage or additional services.

Who should consider CAAMI/HZIV?

CAAMI/HZIV may suit those who want a completely neutral, government-backed health fund without any political or religious affiliation and do not need supplementary coverage.

Quick Summary

InsurerCAAMI/HZIV

Country🇧🇪 Belgium

Overall Score65/100

Satisfaction3.3/5

Members200K

Typepublic

Founded1945

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