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Ethias

Ethias SA/NV

78Score
★★★☆☆3.8

Customer satisfaction · 1.0M members

Test-Achats: Customer-Owned Mutual(2026)

Ethias is a Belgian mutual insurer with approximately 9.2% of the total Belgian insurance market. Customer-owned with a strong public sector and SME focus, it offers competitive health insurance pricing and a digital-forward approach.

Overall Score

78/100

Founded

1919

Headquarters

Liege

Type

private
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Key Metrics

Total Market Share

~9.2%

Ownership Model

Mutual (customer-owned)

Focus

Public sector and SME

Approach

Digital-forward

Editorial Ratings

Test-Achats: Customer-Owned Mutual(2026)

Rating: ~9.2% Belgian Insurance Market — Mutual Model (max: #1)

78Test-Achats

Coverage Highlights

  • ✓Customer-owned mutual model
  • ✓Strong public sector and SME health plans
  • ✓Digital-forward claims and services
  • ✓Competitive pricing

Pros

  • ✓Customer-owned mutual model
  • ✓Personalized service reputation
  • ✓Competitive pricing

Cons

  • ✗Smaller than major insurance groups
  • ✗Limited English support

Frequently Asked Questions

What is Ethias?

Ethias is a Belgian mutual insurer, meaning it is owned by its customers rather than shareholders. It holds approximately 9.2% of the total Belgian insurance market.

Is Ethias good for health insurance?

Ethias offers competitive health insurance with a focus on public sector employees and SMEs. Its mutual model means profits are reinvested for members.

Does Ethias offer English support?

Ethias has limited English support. Services are primarily available in French and Dutch.

Quick Summary

InsurerEthias
Country🇧🇪 Belgium
Overall Score78/100
Satisfaction3.8/5
Members1.0M
Typeprivate
Founded1919

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