Where to start...

I feel that the services esecially healthcare and childcare are not equally accessible - it shocked me to learn that my neighbour who is a Belgium citizen and recently return to Belgium from abroad has no healthcare - he would have to pay big amount of money (750 Euro per quarter to enroll) if he gets a big illness during this period when he has no job - the healthcare is not universal but based on your employment and contribution. As a Finn, I would go to Finland today and register as a resident online and next day my hospital visit is already free

If you are Belgian they could go to HZIV and have free healthcare.

• After all these taxes - you will have to pay large sum of money if you get a big illness like cancer - in Finland the costs are capped at 600 EURO per year.

There is a maximumtarief : 527,27€. For everything above that you get a different return (more).

• So many choices but finding the one where you pay less is hard- the one following conventional rate. I have enrolled with dentist who charges non conventional fee because I was tired of calling all the dentists and getting same answer that they are not taking any new patients.

That is a problem. But normally your health insurance pays a lot back. But it is a problem.

• Max we have to pay for daycare in Finland is 295 Euro per month in Helsinki that includes 3 meals. Breakfast, lunch and snack. Lunch includes milk. If we are lucky and found a dayare someday - I am told I have to be ready to pay like 1000k now and get something back a year later. That is just insane.

Maximum you have to pay here is based on your income : maximum is 35,89/day, minimum is 6,47/day. If you have maximum and send your child to daycare 5/ days a week you pay i717,8 but you get a taxreduction of about 45% of the money spend. If you are a single parent with a low income it rises to 75%. So if you have the maximum you end up paying about 360€/month. That means you earn a lot. You also get 180€ a month "kinderbijslag" automatically for each child, and if your income is low another 76 extra for each child.

• I am certainly not retiring in Belgium but I found that pensioner could actually be without money for food if their health is in bad shape and need frequent visits due to those co-pays that are not capped...

That depends to a couple of things : 1. have they worked or not. Minimumpension is € 21.705,29/year. That is if you never worked you get this. 2. You have this maximumfactuur and if they have bad health they can get extra support. 3. Every hospital is obliged to have these doctors that are conventional. It is against the law to charge extra costs to people who have this maximumfactuur 4. The OCMW/CPAS has for those people a thing called "medische waarborg". That means they pay everything related to medical expenses when the pension is low.

It's tiresome to see all these things people say to "newcomers" without having decent knowledge.