Services and benefits

There is a reimbursement from the statutory health insurance and from the CM benefit.

Making a healthy and happy life affordable for everyone: that is what CM and BOOST want! take care of it together. Thanks to this collaboration, as a CM member you receive a discount on the feel-good program, various master classes and the use of the BOOST! app.

BloomUp is an online platform that enables a conversation with a psychologist or psychotherapist in just a few clicks. CM and BloomUp work together.

CM-Gezondheidsacademie informs you about health, well-being and health insurance.

You would like to live a healthier life. With more quality of life. But how do you start? Call the health consultant (CM-Gezondheidsconsulent).

Girls receive an additional reimbursement from their health insurance for the contraceptive pill and various other contraceptives (such as IUDs or patches).

Do you want to exercise more, but don't know how? Your GP, nurse or paramedic can refer you to an Exercise By Referral coach.

Being able to hear well is important to feel good and live your life the way you want. What can you go to the Audika hearing centers (former Goed hearing centers) for?

During cataract surgery, the ophthalmologist makes a few small incisions in your cornea. Your cloudy eye lens is removed and replaced with an artificial lens.

A covering plaster or shell with a suction cup is used for children with a lazy eye. The covering plaster covers the good eye to force the child to use the weak eye.

From 2025, CM will reimburse 30 euros annually for custom-made earplugs.*

CM will refund 40 euro per year for new glasses. For children up to 18 years that amount is even 50 euro. In certain cases you will also receive a reimbursement from your health insurance.

Being able to hear well is important to feel good and live your life the way you want. Sometimes a hearing aid is needed for this. The good news is that health insurance (partially) reimburses this.

With refractive laser treatments, the curvature of the cornea is changed using a laser beam.

Baby massage provides a moment of peace and relaxation for you and your baby. The skin contact creates a warm bond between parent and child and stimulates the physical and emotional development of your child.

Employees and self-employed persons who adopt a minor child are entitled to adoption leave.

Artificial insemination involves the introduction of sperm into the uterus. CM will fully reimburse the costs for both the treatment of the sperm and the actual insemination.

Have you just become a parent? Congratulations! CM likes to celebrate. Skoebidoe, the CM children's service, spoils you with large and small baby gifts and benefits.

Babies and young children need a lot of care. Extra equipment is often needed to help babies or young children sleep, to help them take medicine or to help them toilet train. Thanks to Goed's lending service, you can borrow baby equipment cheaply. If you, your child or both are CM members, you enjoy a preferential rate.

Small children often have more medical costs. That is why you will be reimbursed for part of the co-payment for doctor visits for young children.

Is your child suddenly ill and do you have to go to work? No worries, CM, together with Ferm, will provide a solution and organize childcare for sick children up to and including 12 years old at your home. This is up to 21 years for children with a disability or long-term illness.

Only custom-made arch supports are eligible for a refund from CM. The plaster material for the impression will also be reimbursed.

The chiropractor mainly treats complaints about the skeleton, muscular system and nervous system. According to chiropractors, blocked joints in the spine can cause pain in the neck, arms, shoulders, back and legs. A chiropractor is sometimes also called a squatter.

Do you need a new tooth or prosthesis? Then the costs can increase. Fortunately, there are refunds.

The overviews show the fees and reimbursement rates for frequently occurring services.

Were you referred to the emergency department or not?

CM provides reimbursement for foot care to diabetes patients, performed by a pedicure or podiatrist.

In this overview you will find the fees and reimbursement rates for consultations with your GP.

Employees and self-employed persons who adopt a minor child are entitled to adoption leave.

Employees are entitled to breastfeeding breaks to breastfeed their child or express milk.

Employees, unemployed people and self-employed persons on disability who meet the conditions receive an annual catch-up premium.

In the event of hospitalization or death of the mother, the father or co-parent can take converted maternity leave under certain conditions.

Employees, the unemployed and the self-employed who are unable to work due to illness or accident can receive benefits from CM.

If you become a foster parent of a minor child, you are entitled to foster parent leave. There is a specific scheme for employees and self-employed persons.

Are you incapacitated for work and do you have difficulty performing normal daily activities? You may be entitled to a fixed allowance for third party assistance.

Affordable, non-urgent transport to/from the hospital, for oncological treatment or kidney dialysis.

Do you occasionally need a wheelchair-friendly car, but you don't have one? Then the car-sharing principle Solidair Mobiel might offer a solution. For the time being, the Solidair Mobiel service is only offered in the Ostend and Roeselare-Tielt regions. There is one car available in each region.

Does your child have a disability or chronic condition? Do you want to catch your breath or go somewhere? Then expert volunteers are available day and night to provide home care.

You can easily borrow aids from home care stores or Goed's website. The offer consists of the themes 'Living and sleeping', 'Mobility', 'Pregnancy and children', 'Sports and rehabilitation' and 'Allergy and respiratory tract'.

As an informal caregiver, you also want to visit friends or just get away from it all. That is why CM offers home sitting for the chronically ill, the elderly or people with disabilities. The home sitter can be available during the day, in the evening and at night.

CM-Spaak offers you administrative support and sends a volunteer to your home.

Are you 65 years or older, in need of assistance and do you have a limited income?

OKRA, an association for and by people over 55. Together with your peers, you stay active and creative at OKRA, travel and play sports and develop your talents.

Would you like CM to support your (sports) event? Let us know! There are several possibilities.

Thanks to CM travel assistance, children and young people with child benefits can go on holiday to any foreign destination without any worries. For all others, travel assistance depends on the country, region or area visited.

As a CM member you can send your children to youth camp, sports camp, playground activities or open-air classes at a discount.

The European Health Insurance Card (EHIC) entitles you to reimbursement from a foreign health insurance fund for necessary healthcare.

Do you want to exercise more, but don't know how? Your GP, nurse or paramedic can refer you to an Exercise By Referral coach.

At many music events and festivals, mobile CM teams walk around, giving away free earplugs. Have you spotted us yet?

Active bandages are special and expensive dressings that create a favorable, moist environment so that a wound heals faster.

After your breast-conserving surgery or mastectomy, you may be considering a breast prosthesis. If there is increased fluid retention, you may need an arm stocking. There are refunds for that material.

Breast reconstruction is done by placing a breast implant or by using your own tissue (skin, fat, muscle) taken from other parts of the body. You will receive reimbursement from your health insurance for breast reconstruction.

You can get a refund for a hair prosthesis if the baldness is the result of a certain disease or condition.

Do you end up in the hospital? You will then be reimbursed for some hospital costs under certain conditions.

Two to three months after leaving the hospital, you will receive your hospital bill. Are you affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus? Take your bill and start filing.

After a hospitalization or serious illness, a recovery stay is sometimes appropriate. During a recovery stay, work is done on rehabilitation, self-reliance, self-care and support for informal care.

Less mobile people who cannot use public transport due to a physical and/or psychological disability can count on the volunteers of the CM-Mobiel service.

Are you a wheelchair user? Then you can count on CM-Rolwagenvervoer for hospital visits, hairdressing appointments or your shopping.

Affordable, non-urgent transport to/from the hospital, for oncological treatment or kidney dialysis.

Do you occasionally need a wheelchair-friendly car, but you don't have one? Then the car-sharing principle Solidair Mobiel might offer a solution. For the time being, the Solidair Mobiel service is only offered in the Ostend and Roeselare-Tielt regions. There is one car available in each region.

People with mobility problems who cannot or have great difficulty taking public transport can use the Adapted Transport services.

Your health insurance will provide reimbursement for transportation to and from your cancer treatment.

Compulsory health insurance reimburses transport costs to and from the dialysis center.

Thanks to Flemish social protection, mobility aids are affordable for people with a permanent or long-term disability. The VAPH also provides various compensations.

Many organizations offer discounts and reimbursements for certain communication or leisure facilities.

Costs for home modifications can quickly add up. But sometimes home adjustments have to be made to make life easier. Fortunately, in some cases you are entitled to refunds to reduce costs.

Persons with a disability have additional costs. Some measures help them to compensate for these extra costs and the loss of income.

To keep housing affordable for people with disabilities, reimbursements of rental costs are possible. There are also different social rates for water, electricity and gas. We list some reimbursements and social rates.

Persons with a disability are eligible for a discount on public transport and a VAT reduction when purchasing a car.

Persons with a chronic condition who meet the conditions may be entitled to chronic condition status.

People with chronic renal insufficiency can enter into a care program. A care pathway is an agreement between the patient, his GP and the medical specialist involved in the treatment. The doctors have regular consultations about the patient's treatment. This results in optimal coordination and follow-up of care.

All data about your health is kept in the Global Medical File (GMD). The GP may charge a fee for this per calendar year, which is fully paid by CM. The settlement is made directly between the GP and CM.

Anyone who, 12 weeks after a positive test or first symptoms of a Covid-19 infection, still experiences complaints linked to Covid-19 and has a visible impact on daily life, may be eligible for compensation within a care program.

Are you not well off or are you seriously ill for a long time? Then medical costs can weigh heavily on the budget. The maximum bill (MAF) limits annual medical costs for families to a ceiling amount. All co-payments above that ceiling amount will be reimbursed by CM.

Are you cared for at home as a palliative patient? Then you may be entitled to the palliative care allowance.

A remote consultation can be done by telephone or video call. Your doctor must apply the paying third party scheme for such a consultation. So you only pay the co-payment.

As a CM member you receive a discount for various books about health, wellbeing, reimbursements and facilities, among others.

CM's reading, viewing and listening offering is extensive and diverse. Depending on your preferences and the stage of life you are in, you can subscribe to relevant newsletters, websites and podcasts.

Thanks to Kamelego, blind, partially sighted, dyslexic, seniors, low-literate people or people with motor disabilities can follow current affairs via the newspaper.

The new My CM app is the digital office for CM members: available anytime, anywhere to follow up on your practical matters.