{"id":100009827,"date":"2026-04-07T13:35:28","date_gmt":"2026-04-07T11:35:28","guid":{"rendered":"https:\/\/www.reacfin.com\/?page_id=100009827"},"modified":"2026-04-07T13:35:46","modified_gmt":"2026-04-07T11:35:46","slug":"health-practice","status":"publish","type":"page","link":"https:\/\/www.reacfin.com\/index.php\/health-practice\/","title":{"rendered":"Health practice"},"content":{"rendered":"

{“main-title”:{“component”:”hc_title”,”id”:”main-title”,”subtitle”:””,”title_content”:{“component”:”hc_title_base”,”id”:”title-base”,”image”:””,”breadcrumbs”:false,”white”:false},”title”:”Health practice”},”section_CodXx”:{“component”:”hc_section”,”id”:”section_CodXx”,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”box_middle”:””,”css_classes”:”text-justify “,”custom_css_classes”:””,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”column_3oMl9″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_text_block”,”id”:”Gzvma”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”In an environment marked by regulatory constraints, medical inflation and growing pressure on affordability, mastering the technical and strategic dimensions of health and disability insurance has become essential for insurers operating in Belgium.”},{“component”:”hc_space”,”id”:”seyLH”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:””,”height”:”10″},{“component”:”hc_text_block”,”id”:”PSTWj”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”The Belgian system is built on a two-tier structure: compulsory social security (INAMI\/RIZIV) complemented by private Medical Care and Disability coverage, whether individual or via an employer. The market is shaped by specific regulatory features, notably the Verwilghen Law, which restricts medical underwriting and contract termination, leading to long-term contractual commitments. Combined with evolving healthcare consumption and indexation mechanisms, these constraints create significant challenges in pricing sustainability, profitability, reserving and capital management.”},{“component”:”hc_space”,”id”:”Zs569″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:””,”height”:”10″},{“component”:”hc_text_block”,”id”:”heDJ8″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Reacfin\u2019s dedicated Health Practice combines deep actuarial expertise with a strong understanding of the Belgian regulatory framework. 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“},{“component”:”hc_column”,”id”:”column_FtgRW”,”column_width”:”col-md-6″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_button”,”id”:”USATI”,”css_classes”:”text-s “,”custom_css_classes”:””,”custom_css_styles”:””,”icon”:”fa 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“,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Meet the team”,”tag”:”h3″},{“component”:”hc_subtitle”,”id”:”9ktAk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”title”:””,”subtitle”:””,”icon”:””,”style”:”base”,”alignment”:”text-left”,”scroll_top”:true},{“component”:”hc_masonry_list”,”id”:”Yjdul”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”tab_index”:”1″,”name_1″:””,”icon_1″:””,”icon_style_1″:””,”icon_image_1″:””,”images_1″:[],”name_2″:””,”icon_2″:””,”icon_style_2″:””,”icon_image_2″:””,”images_2″:[],”name_3″:””,”icon_3″:””,”icon_style_3″:””,”icon_image_3″:””,”images_3″:[],”name_4″:””,”icon_4″:””,”icon_style_4″:””,”icon_image_4″:””,”images_4″:[],”name_5″:””,”icon_5″:””,”icon_style_5″:””,”icon_image_5″:””,”images_5″:[],”name_6″:””,”icon_6″:””,”icon_style_6″:””,”icon_image_6″:””,”images_6″:[],”name_7″:””,”icon_7″:””,”icon_style_7″:””,”icon_image_7″:””,”images_7″:[],”name_8″:””,”icon_8″:””,”icon_style_8″:””,”icon_image_8″:””,”images_8″:[],”name_9″:””,”icon_9″:””,”icon_style_9″:””,”icon_image_9″:””,”images_9″:[],”name_10″:””,”icon_10″:””,”icon_style_10″:””,”icon_image_10″:””,”images_10″:[],”name_2_1″:””,”icon_2_1″:””,”icon_style_2_1″:””,”icon_image_2_1″:””,”content_2_1″:[{“component”:”hc_adv_image_box”,”id”:”cW2fB”,”css_classes”:”white 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