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Terms and conditions when signing up for CM-insurance

Dependent children of a policyholder who is affiliated with a CM insurance are exempt from paying premiums up to and including the second calendar year after the year of their birth.

Advantages:

  • the date of birth serves as the connection date;
  • there is an immediate right to a refund because there is no waiting period;
  • the guarantee 'pre-existing condition' does not apply.

No, this won't work. Both you as the beneficiary and all persons dependent on you for statutory health insurance must join, unless they are affiliated with a similar insurance policy.

There is a general waiting period of three months, which starts on the date of joining. For fertility treatments, the waiting period is nine months.

During your waiting period, you are already insured for hospital admissions through CM-Hospitaalplan and CM-Hospitaalplan Plus for:

  • an accident;
  • a number of acute infectious diseases such as mumps, meningitis, measles, rubella, scarlet fever or chickenpox.

Are you switching from a similar hospitalisation insurance? Then the three-month period is reduced by the period that you were continuously affiliated with that insurance immediately prior to the switch.

When switching from a similar mutual hospitalisation insurance, the waiting time for fertility treatments can be shortened.

More information about the waiting period can be found in the general terms and conditions . Would you like to discuss your personal situation? Please contact an employee .

Conditions that already exist at the time of joining CM-Hospitaalplan or CM-Hospitaalplan Plus are not excluded.

Hospital admissions due to a pre-existing condition or illness are reimbursed during the first three years of membership as follows:

  • you choose a shared room or double room: reimbursement according to the 'hospital admission' and 'pre- and aftercare' guarantee;
  • you choose a single room: according to the 'hospital admission' guarantee, including 'pre- and aftercare', but without reimbursement for fees and room supplements.

Admissions resulting from a pre-existing pregnancy are reimbursed in the same way during the first nine months of membership.

Are you transferring from a similar mutual insurance company? Then the above-mentioned periods of three years and nine months are reduced by the period that you were continuously affiliated with that insurance company immediately prior to the transfer.

There is no waiting period to join CM-MediKo if you switch from a similar insurance for outpatient costs.

If this is not the case, the following waiting times apply:

  • 3 months for co-payments, vaccinations and nutritional and dietary advice;
  • 6 months for eye care;
  • 12 months for dental care, hearing aids and maternity benefits.

No, everyone is welcome, regardless of age or pre-existing condition. You join without a prior medical examination or medical questionnaire.

The waiting period is three months.

Are you transferring from a similar hospitalization insurance policy? The waiting time will then be reduced by the period during which you were continuously affiliated with that insurance immediately prior to the switch.  

No, everyone is welcome, no matter how old you are or what medical history you have. You join without a prior medical examination or medical questionnaire.