CM's insurances
Everyone can join Excellent price and quality Swift payments
CM-Hospitaalplan and CM-Hospitaalplan Plus
Conditions and premiums for 2025
| CM-Hospitaalplan from 4.37 euros/month | CM-Hospitaalplan Plus from 5.55 euros/month | |
| Single room fee supplements |
|
|
| Room supplements single room |
|
|
| Rooming-in |
|
|
| Pre- and post-hospitalization costs |
|
|
| Consultation with a clinical psychologist |
|
|
| Patient transport |
|
|
| Recovery centers |
|
|
| Fertility treatment |
|
|
| Rental of medical equipment |
|
|
| Serious illnesses |
|
|
*For day admissions up to 100% of the RIZIV rate
CM-MediKo Plan
Premium 2025 starting from 13.04 euros a month
CM-MediKo Plan is an insurance for medical expenses that have nothing to do with hospitalization. This can range from braces, to a maternity allowance to treatments by a physiotherapist.
- Up to 75% of the deductible of (dentists), specialists, physiotherapists and other healthcare providers reimbursed
- Up to 1,800 euros reimbursement for dental care
- Up to 120 euros reimbursement for glasses and lenses
CM-Hospitalfix Extra
starting from 0.63 euros a month
With CM-Hospitaalfix Extra you get an extra compensation of 25 euros per day that you are in the hospital or admitted. The waiting time is only 3 months and we also keep the monthly premium as low as possible.
- Additional hospitalisation insurance
- CM arranges everything directly, you do not have to submit invoices
- Fixed fee per day in the hospital: 25 euros
We are always there for you
Joining a CM insurance, submitting your medical expenses, getting an answer to your questions? You can reach us in the way that feels comfortable to you. We also made requesting your reimbursements as easy as possible. For CM Hospital Plan and CM Hospital Plan Plus, you can even submit your medical expenses online, whenever you want.
Report your hospitalization
Have you received your hospital bill? Take it in hand and start filing.
Calculate your premium
Your insurance premium depends on your age and the people you have as dependents. The younger you are, the less you pay.
Schedule a video call
This way you can ask our employee all your questions and we will arrange your connection together.
Frequently asked questions
No, everyone is welcome! No matter how old you are, what your health condition is or what your medical history is, you can always join a CM insurance. We also reimburse the costs of an illness or condition that you already have at the time you join a CM insurance.
- The date of birth or adoption is considered the date of connection
- You are immediately entitled to a refund because there is no waiting period
- The 'pre-existing condition' guarantee does not apply
- Your child is included free of charge up to and including the second calendar year after birth
The choice of room plays an important factor in the cost of your hospitalisation:
- In a double or multi-person room, no room supplements or additional fees may be charged.
- In a single room, room and fee supplements are permitted.
If you do choose a single room, the reimbursement from CM Hospital Plan and CM Hospital Plan Plus is limited. For CM Hospital Plan:
- Room supplements are reimbursed up to 55 euros per day. For admissions from 1 January 2025, they are reimbursed up to 65 euros per day.
- Fee supplements are reimbursed up to 100% of the statutory rate set by the RIZIV. For admissions from 1 January 2025, they are reimbursed up to 150% of the statutory rate. For day admissions, they are reimbursed up to 100% of the statutory rate, also from 1 January 2025. These supplements can be high in some hospitals. It is best to ask the hospital about this in advance.
- In addition, a deductible is applied for a stay in a single room. The deductible is 175 euros for a day hospitalization and 100 euros for a hospitalization with an overnight stay. In the case of childbirth, no deductible is applied.
Even better insured? With CM-Hospitaalplan Plus, room supplements are reimbursed up to 95 euros per day and the additional fees are reimbursed up to 200% of the statutory rate. For day admissions, they will also be reimbursed up to 100% of the statutory rate from 1 January 2025. The deductible of 100 euros only applies if the additional fees are higher than 150% during your admission.
Important: during the first three years of affiliation, there is no reimbursement of room and fee supplements for a single room for hospitalizations due to a pre-existing condition or illness. The admission is reimbursed as for hospitalization in a double or multi-person room. In the case of pregnancy, this applies for the first nine months of affiliation.
You will receive up to 600 euros for all treatment plans started before your 18th birthday and up to 600 euros for all treatment plans started after your 18th birthday. birthday.
Certainly, CM-Hospitaalfix Extra is an ideal addition to CM-Hospitaalplan, CM-Hospitaalplan Plus or any other hospitalisation insurance.
Key numbers about CM Insurance
insured persons
years on the market
employees
euros paid out in 2023
