Home/Belgium/Onafhankelijke Ziekenfondsen / Mutualites Libres (Helan, Partena)

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Onafhankelijke Ziekenfondsen / Mutualites Libres (Helan, Partena)

Partena, Helan, Freie Krankenkasse

83Score

★★★★☆4.0

Customer satisfaction · 2.8M members

Test-Achats: Modern Neutral Approach(2026)

The Independent Health Insurance Funds (Helan, Partena, Freie Krankenkasse) represent the third-largest grouping in Belgium with approximately 2.8 million members. They are politically neutral with strong digital services and attractive supplementary packages.

Overall Score

83/100

Founded

1945

Headquarters

Brussels

Type

statutory

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Key Metrics

Membership Rank

#3 (grouping)

Sub Brands

Helan, Partena, Freie Krankenkasse

Affiliation

Politically neutral / independent

Digital Services

Strong

Editorial Ratings

Test-Achats: Modern Neutral Approach(2026)

Rating: #3 — Politically Neutral, Strong Digital (max: #1)

83Test-Achats

Coverage Highlights

✓Third-largest grouping of health insurance funds
✓Politically neutral and independent
✓Multiple sub-brands with tailored approaches
✓Strong digital services
✓Attractive supplementary packages

Pros

✓Politically neutral
✓Good digital tools
✓Flexible supplementary packages
✓Multiple brand options within the grouping

Cons

✗Fragmented across sub-brands
✗Core benefits identical to other funds
✗Less branch presence in some areas

Frequently Asked Questions

What are the independent health funds in Belgium?

The independent (onafhankelijke/libres) health funds include Helan, Partena, and Freie Krankenkasse. They are politically neutral alternatives to the Christian, Socialist, Liberal, and Neutral funds.

Are Helan and Partena the same?

Helan and Partena are separate brands within the same grouping of independent health insurance funds (Onafhankelijke Ziekenfondsen / Mutualites Libres), each serving different communities.

Do the independent funds offer good digital services?

Yes. The independent funds, particularly Helan, are known for strong digital tools including online claims submission, mobile apps, and digital health records.

Quick Summary

InsurerOnafhankelijke Ziekenfondsen / Mutualites Libres (Helan, Partena)

Country🇧🇪 Belgium

Overall Score83/100

Satisfaction4.0/5

Members2.8M

Typestatutory

Founded1945

Other Insurers in Belgium

DKV Belgium (ERGO Group)

private

/ 100

Christelijke Mutualiteit (CM) / Mutualite Chretienne (MC)

statutory

/ 100

Socialistische Mutualiteiten / Mutualites Socialistes

statutory

/ 100

Ethias

private

/ 100

Liberale Mutualiteiten / Mutualites Liberales

statutory

/ 100

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