What Helan does

Helan Onafhankelijk Ziekenfonds is a Belgian independent mutual health insurance fund (ziekenfonds/mutualité) headquartered at Boomsesteenweg 5, 2610 Wilrijk, Belgium, operating as part of the Union des Mutualités Libres (MLOZ) network under regulatory supervision of the Controledienst van de Ziekenfondsen (CDZ). The legal entity (company number 411.766.483) is registered as a tied insurance agent under CDZ code 5006c and distributes statutory health insurance together with supplementary insurance products from VMOB MLOZ Insurance (CDZ code 750/01), including Hospitalia hospitalization coverage (Smart, Care, Plus, and Continuïteit tiers), Dentalia dental insurance (Up, Plus), Medicalia, and Forfait H. Mandatory contributions start at €10/month per family member on an age-dependent basis, with revenue coming from subscription recurring premiums across insurance tiers and ancillary services.

Beyond insurance administration, Helan operates a vertically integrated welfare-services platform. The product stack includes 65 daycare centers (kinderdagverblijven), 95 registered childminders (onthaalouders), and 12 out-of-school care locations under Helan Kinderopvang; home care and maternity care through Helan Thuiszorg en Kraamzorg; cleaning and ironing services via Helan Huishoudhulp using Belgian dienstencheques; healthcare retail and equipment lending via Helan Zorgwinkel; and Heyo holiday camps for children aged 2.5-18. Digital infrastructure comprises the Mijn Helan web portal and iOS/Android app (with Zoomit invoice integration, e-Box electronic mailbox, and e-ID electronic signature), all WCAG 2.1 AA compliant under EU Accessibility Act Directive 2019/882.

The go-to-market operates through a multi-channel direct-to-consumer model: self-service enrollment at aansluiten.helan.be, phone sales (T. 02 218 22 22), video advisory, and physical offices across Belgium, supplemented by a referral program ("Tip je Vrienden") paying €30 gift cards per successful referral up to 20 referrals per customer. Customer segments span the full Belgian resident population (employees, self-employed, retirees), with dedicated tracks for families with children, expats/international students, expecting parents, seniors, and self-employed workers. AI deployment is limited to Chatbot Sam, a text-based assistant that reportedly automates ~80% of tier-one customer inquiries. Employment sits in the 5,001-10,000 range, and operating geographies cover Flanders, Wallonia, and Brussels with no global footprint.

Name

Helan

Legal name

Helan Onafhankelijk Ziekenfonds

Website

https://helan.be

Company type

Private

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Helan Onafhankelijk Ziekenfonds is a Belgian independent mutual health insurance fund serving Belgian residents with mandatory and supplementary insurance, hospital and dental coverage, plus an integrated ecosystem of childcare, home care, household help, maternity care, and holiday camps.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210), Services for the Elderly and Persons with Disabilities (62412), Health Care and Social Assistance (62)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411), Services-Child Day Care Services (8351), Services-Nursing & Personal Care Facilities (8050)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Health insurance fund
• Supplementary health insurance
• Childcare services
• Household help services
• Home care services

Headquarters

HQ city

Antwerpen

HQ country

Belgium

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mandatory Health Insurance Contributions: Monthly membership contributions for mandatory health insurance coverage. The base rate is €10 per month per family member, as stated on the website. Contributions are age-dependent and collected via direct debit.
2. Supplementary Insurance Premiums: Premiums for supplementary insurance products including Hospitalia hospitalization insurance, Dentalia dental insurance, and Medicalia medical cost insurance. Pricing varies based on age and coverage type.
3. Care Services Revenue: Revenue from ancillary services including household help (dienstcheques), childcare services, and home care services.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

Helan Onafhankelijk Ziekenfonds is a Belgian independent health insurance fund providing mandatory statutory health insurance (€10/month per family member) along with supplementary insurance products (Hospitalia hospitalization, Dentalia dental, Medicalia medical cost coverage). Beyond insurance, Helan operates an integrated care ecosystem of childcare facilities (65 daycare centres, 95 childminders, 12 out-of-school care locations), household help services, home care, maternity care, a healthcare shop, and Heyo children's holiday camps, all accessible through the Mijn Helan portal and mobile app.

Product overview

Helan is an independent Belgian health insurance fund (ziekenfonds) operating as a multi-service wellness group. The core offering is the Helan Onafhankelijk Ziekenfonds providing mandatory health insurance with supplementary benefits. The product portfolio includes hospitalization insurance products (Hospitalia in Smart, Care, and Plus formulas, plus Hospitalia Continuïteit), dental insurance (Dentalia Up and Dentalia Plus), and Medicalia. Digital services include the Mijn Helan online portal and mobile app for 24/7 account management. Beyond insurance, Helan offers an ecosystem of care services including household help, childcare (65 daycare centers and 95 childminders), home care, maternity care, a healthcare shop with lending services, and Heyo vacation camps. Digital infrastructure includes e-Box for document management, e-Facturatie for invoice handling, and electronic signature capabilities. The group also provides social services and medical transport.

Differentiator

Problem solved

Functional benefit

Brands

• Hospitalia: Hospitalization insurance product offered through VMOB MLOZ Insurance, available in Smart, Care, and Plus formulas
• Dentalia Up
• Heyo
• Helan Zorgwinkel
• Mijn Helan
• Medicalia
• Forfait H

Products and services

• Helan Onafhankelijk Ziekenfonds (Mandatory Health Insurance) Statutory Belgian health insurance fund providing mandatory health insurance coverage and reimbursement of medical costs (doctor visits, hospital stays, medications) for Belgian residents. Base contribution is €10 per month per family member, age-dependent.
• Hospitalia Hospitalization Insurance Supplementary hospitalization insurance offered in three formulas — Hospitalia Smart, Hospitalia Care, and Hospitalia Plus — covering high hospital costs with pre-, during-, and post-admission support for individuals and families.
• Hospitalia Continuïteit (Continuity Policy) Waitlist policy for Hospitalia providing continuity of hospitalization coverage during transition periods between insurance arrangements.
• Dentalia Up (Dental Insurance) Supplementary dental insurance offering affordable premiums and broad coverage for routine and complex dental care expenses.
• Dentalia Plus (Dental Insurance) Higher-tier supplementary dental insurance product offering expanded coverage levels compared to Dentalia Up.
• Medicalia (Medical Expenses Insurance) Supplementary insurance covering medical expenses outside hospitalization scenarios (outpatient and other medical costs).
• Helan Zorgkas (Care Fund)

Quantifiable outcome

• Over €3,400 in potential growth advantages per child through various Helan benefits
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• VMOB MLOZ InsurancecoreStrategic or Co-development Partner · 24 June 2013VMOB MLOZ Insurance is a recognized insurance company approved by the Controledienst van de Ziekenfondsen (CDZ) to offer supplementary health insurance products under code CDZ 750/01. Helan offers exclusively the hospitalization and dental insurance products of MLOZ Insurance, including Hospitalia (Smart, Care, Plus, Continuïteit), Dentalia (Up, Plus), Medicalia, and Forfait H. The partnership is long-standing with approval dating back to 2013.
• MLOZ (Mutualités Libres / Onafhankelijke Ziekenfondsen)coreStrategic or Co-development PartnerHelan is part of the MLOZ network (Union of Independent Health Insurance Funds), which provides a framework for statutory health insurance and supplementary insurance offerings. MLOZ operates under the supervision of CDZ (Controledienst van de Ziekenfondsen) and OCM (Office de Contrôle des Mutualités).
• Heyo Holiday CampssupportingChannel Partner/ Reseller/ DistributorHeyo is a holiday camp organization for children aged 2.5 to 18, offering camps during school holidays (Carnival, Easter, Summer). Helan customers receive 3 free camps per year as part of their membership benefits.
• Kind en Gezin / Agentschap OpgroeiensupportingStrategic or Co-development PartnerHelan's childcare services (kinderopvang) are recognized and authorized by Kind en Gezin, now part of Agentschap Opgroeien, the Flemish government agency for child and family services.
• Vlaamse Sociale Bescherming (VSB)supportingStrategic or Co-development PartnerHelan offers services under the Flemish Social Protection framework, providing additional care coverage through the Zorgkas (care fund) system.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Ethias: Belgian insurance incumbent (with public-sector shareholders) offering health, accident, and household insurance to individuals and groups. Comparable on health and household insurance products but operates as a commercial insurer rather than a statutory mutual fund.
• AG Insurance: Large Belgian commercial insurer (part of Ageas group) offering life, non-life, and health products across the broader Belgian market. Broader incumbent that overlaps with Helan's supplementary insurance portfolio but does not administer statutory health insurance.

Direct peers

• Christelijke Mutualiteit (CM): Largest Belgian mutual health insurance fund (ziekenfonds) with the broadest member base and the most extensive supplementary insurance and care services portfolio. Directly comparable to Helan as both operate under CDZ supervision, administer statutory health insurance, and sell supplementary Hospitalia/Dentalia-style products.
• Solidaris: Belgian socialist mutual health fund with nationwide coverage and a comparable integrated offering of statutory insurance, supplementary products, and member welfare services. Same regulatory regime as Helan (CDZ-supervised mutual) and competing head-to-head for the same Belgian households.
• HZIV (Helikale Ziekenfonds voor Invaliditeit / Caisse des Soins de Santé pour Indépendants): Belgian statutory health insurance fund specifically for self-employed individuals and business owners, operating in the same CDZ-supervised regime. Competes with Helan's self-employed segment and shares the regulatory and product structure of statutory + supplementary coverage.
• OZ Onafhankelijke Ziekenfondsen: Belgian independent health insurance fund operating within the same MLOZ alliance as Helan, offering a near-identical statutory insurance + supplementary insurance + care services bundle. Closest structural comparable given shared MLOZ framework and overlapping product portfolio.
• Partena Ziekenfonds: Belgian mutual health fund also part of the MLOZ alliance, providing statutory insurance plus supplementary products and member services to a comparable Belgian audience. Operates under the same CDZ regulatory framework and competes directly with Helan in Flanders and Brussels.
• Liberale Mutualiteit: Belgian liberal mutual health fund (ziekenfonds) administering statutory health insurance and offering supplementary products to Belgian members. Direct competitor for the same regulated Belgian customer base under the same CDZ-controlled framework.

Emerging players

• i-mens: Belgian home care and family-help organisation providing thuiszorg, kraamzorg, and household services that overlap directly with Helan Thuiszorg, Helan Kraamzorg, and Helan Huishoudhulp. Comparable operating model in the home and family care segment though without the insurance anchor.

Others

• Securex: Belgian HR services provider offering payroll, insurance, and social-services support to employers and self-employed individuals. Adjacent rather than directly competing — provides group health and welfare solutions to businesses but does not administer statutory mutual insurance to consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/helanwelzijn
• LinkedInlinkedin.com/company/helanwelzijn
• Instagraminstagram.com/helemaal.helan
• TikToktiktok.com/@helemaal.helan
• Xx.com/helanwelzijn

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Helan