We are German citizens living in Belgium. My case is clear because I also work in Belgium therefore I have Belgian insurance.
However my wife's case is unclear to us and no one can explain it in a cohesive manner. She works in Germany, so she has german insurance, but since we live in Belgium, she would like to sometimes visit a doctor here as well.
I understand the the European Health Insurance Card (EHIC) can theoretically be used. But I also read that this card is for TEMPORARY VISITS and UNPLANNED HEALTH ISSUES, so I am not sure if this is possible.
I also read that a border-crosser is entitled to insurance in both countries, so how does that work? does she need to get extra insurance in Belgium and pay for both?
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You get the S1 from here kranssenkasse and give that to the kransenkrasse in Belgium. The German insurance covers Germany and Belgium but you need to pay a small member fee. See: https://grenzinfo.eu/nl/infopage/werken-in-een-buurland/werken-duitsland-vanuit-belgie/zorgverzekering/ and https://www.cm.be/nl/wat-te-doen-bij-wonen-in-belgie-werken-ander-eer-land-zwitserland