In-Home Caregiving is an increasingly popular solution for those needing assistance
However, the cost of this service can vary significantly from one country to another, especially in terms of reimbursement by mutual health funds or insurance. In Belgium, for example, the cost can be a real barrier for many families, particularly since this service is generally not reimbursed by mutual funds. This is the case if you employ a caregiver trained in Belgium and who is taxable in Belgium. Conversely, in France, certain financial aid can significantly reduce the bill. In this article, we will explore the reasons for these differences in pricing and reimbursement between Belgium and France, and how it impacts people in need of home care.
Costs of home caregivers in Belgium in 2023
In Belgium, the average cost of in-home caregiving varies widely. Depending on the region and the level of care required, rates can range from 25€ to 45€ per hour. It’s important to note that these costs can quickly add up, especially for families requiring long-term care.
Unlike other health services, in-home caregiving is generally not reimbursed by mutual funds in Belgium. This lack of financial support makes the service difficult to access for many families.
Most caregivers in Belgium work as freelancers. This allows them some flexibility, but it also means they are responsible for their own social and fiscal charges. Given their freelance status, caregivers are subject to specific tax implications. They must declare their income and pay taxes, which can also influence the final cost for families.
Why Aren’t In-Home Caregiving Services Reimbursed by Mutual Funds in Belgium?
In Belgium, in-home caregiving is not considered a strict medical service, meaning it doesn’t meet the criteria for reimbursement by mutual funds. Caregivers primarily provide non-medical care, such as mobility assistance, personal hygiene, and emotional support, which are not viewed as medical care requiring reimbursement. There are several legal and policy reasons why these services are not covered by mutual funds. One main reason is that Belgian legislation has not yet evolved to incorporate these types of care into the public health system. Additionally, the lack of official recognition of caregivers as health professionals also contributes to this lack of reimbursement.
The absence of reimbursement has a significant impact on the choices available to families and individuals needing care. This often limits the options and forces families to dip into their savings or look for cheaper but potentially less effective alternatives.
Context in France
In France, the situation is quite different from Belgium in terms of in-home caregiving. The French healthcare system offers greater flexibility in terms of reimbursement for home care, significantly lightening the financial burden for families and those in need of care. France has a more extensive reimbursement system for in-home caregiving services. Mutual funds and health insurance can cover a significant part of the costs, making these services more accessible to a larger part of the population.
Thanks to this reimbursement system, families in France have more options when it comes to choosing home care for their loved ones. This also helps to relieve hospitals and care facilities, as people can receive quality care in the comfort of their own home. The French government has also put in place various initiatives to encourage home care, including grants and training programs for caregivers. These measures aim to ensure that home care is not only affordable but also of high quality.
For more information on health care reimbursement in Belgium, you can consult this link. For information on our in-home caregiving services, visit our website.
