CM Hospital Plan and CM Hospital Plan Plus
Every euro you invest in your insurance is one that goes back into your health.
Hospitalization insurance
With CM-Hospitaalplan you can sleep soundly. With CM-Hospitaalplan Plus you have even more certainty.
What do I pay?
CM insurances are getting better and better, and for a low premium. CM Hospital Plan now from 4.37 euros per month.
How do I request a refund?
Already affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus? Do you want to request a refund? This can be done quickly and easily.
CM Hospital Plan | CM Hospital Plan Plus | |||||
|---|---|---|---|---|---|---|
Single room fee supplements | Up to 150%* of the RIZIV rate | Up to 200%* of the RIZIV rate | | |||
Room supplements single room | Up to 65 euros per day | Up to 95 euros per day | | |||
Rooming-in | Up to 40 euros per day | Up to 60 euros per day | | |||
Pre- and post-hospitalization costs | 2-4 months | 2-6 months | | |||
Consultation with a clinical psychologist | Up to 200 euros per calendar year | Up to 200 euros per calendar year | | |||
Non-urgent patient transport | Up to 250 euros per calendar year | Up to 300 euros per calendar year | | |||
Recovery centers | Up to 30 days per calendar year in a CM recovery center after admission | Up to 30 days per calendar year in a CM recovery center after admission | | |||
Fertility treatment | Up to 1,500 euros per life | Up to 1,500 euros per life | | |||
Maternity care | Up to 30 hours at 2 euros per hour NEW | Up to 30 hours at 6 euros per hour | | |||
Rental of medical equipment | Up to 125 euros per calendar year | Up to 125 euros per calendar year | | |||
Serious illnesses | Reimbursement of most common costs in the event of serious illnesses . | Reimbursement of most common costs in the event of serious illnesses . | | |||
Convinced? Any questions?We are always there for you
Je kan ons bereiken op de manier waar jij je comfortabel bij voelt. Voor CM-Hospitaalplan en CM-Hospitaalplan Plus kan je je ziekenhuisfactuur zelfs online indienen, wanneer je maar wilt.
CM Hospital Plan and CM Hospital Plan Plus: the details
CM Hospital Plan and CM Hospital Plan Plus are both cost-covering hospitalisation insurances that provide reimbursement for the costs of your hospitalisation. Discover in detail what benefits you get from your CM insurance.
You do not need to report your admission to CM's insurance companies in advance.
Often you have to undergo check-ups or examinations before your admission and receive care or rehabilitation after your admission. That is why you will be reimbursed for the medically necessary costs in a period before and after your admission with CM-Hospitaalplan and CM-Hospitaalplan Plus.
CM Hospital Plan will reimburse these costs in the period from 2 months before to 4 months after your admission.
Even better insured?
CM-Hospitaalplan Plus reimburses these costs in the period from 2 months before to 6 months after your admission.
Good to know
Those who are affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus will not receive a card for this. So you do not need to bring anything, give anything or mention anything in the hospital.
More info?
You will be reimbursed up to 100% of the part that you are legally required to pay per day and the legally established costs for medicines, regardless of which room you choose.
If you opt for a stay in a single room with overnight stay, the hospital may charge extras for the room and the doctor may charge more for his services. For the room supplements, CM-Hospitaalplan provides a reimbursement of up to 65 euros per day. The supplements for the doctor's fees are reimbursed up to 150 percent of the official rate. If it concerns a day admission, this is up to 100 percent.
Even better insured?
For an overnight stay in a single room, CM-Hospitaalplan Plus will reimburse room supplements up to 95 euros per day. Supplements for doctors' fees will be reimbursed up to 200% of the official rate.
More info?
Especially for serious illnesses, the costs often rise very quickly and high. Think of renting home aids, rehabilitation costs, medication, consultations with specialists. With CM-Hospitaalplan and CM-Hospitaalplan Plus, you will be reimbursed a large part of these medically necessary costs for a number of serious illnesses without having to pay extra for this.
CM Hospital Plan and CM Hospital Plan Plus provide reimbursement for the treatment of, among others, the following serious illnesses:
- malignant tumors (e.g. cancer);
- malignant blood diseases (e.g. leukemia, Hodgkin's disease);
- neuromuscular diseases such as MS (multiple sclerosis) and ALS (amyotrophic lateral sclerosis);
- Parkinson's disease;
- meningitis;
- AIDS;
- cirrhosis of the liver due to hepatitis;
- diabetes type 1;
- kidney disease requiring kidney dialysis;
- cystic fibrosis;
- systemic sclerosis with organ involvement;
- Crohn's disease and ulcerative colitis.
More info?
You can easily join CM Hospital Plan or CM Hospital Plan Plus via
Condition to join
To join a CM insurance policy, you must be and remain affiliated with CM Flanders for the services and benefits offered and be in order with the CM contribution payment.
Compulsory family affiliation
You always join for yourself and your dependents.
Waiting time
We deliberately keep the waiting time as short as possible. There is no waiting time for admission after an accident or for an acute infectious disease. For all other admissions, the waiting time is 3 months. Except for fertility treatments, in which case the waiting time is 9 months. Are you switching continuously from a similar insurance policy? The 3-month waiting period will then be abolished or reduced.
Do you already have a condition?
Anyone can join CM insurance, regardless of medical history.
Do you already have a condition or illness when you join? If you opt for a double or multiple room, you will enjoy the reimbursements after completing your waiting periods. If you opt for a single room, there is no reimbursement of the room and fee supplements during the first three years of affiliation. If you switch from another mutual insurance company, the waiting period can be waived.
Favorable connection conditions for children
Dependent children of a policyholder who is affiliated with a CM insurance policy are insured free of charge up to and including the second calendar year after the year of their birth.
Your premium: what do you pay?
You can be insured with CM-Hospitaalplan from 4.37 euros per month. With CM-Hospitaalplan Plus this is possible from 5.55 euros per month. The amounts depend on your age. When you join, your premium depends on your age on the date of joining. From the fourth person who joins, you pay half the premium for that insured person.
More info?
Fertility treatments
For your medical expenses linked to fertility treatment, you will be reimbursed up to 1,500 euros. You do not have to be admitted to hospital for this.
Hospital delivery
Your admission and pre- and post-admission care will be reimbursed like any other admission.
Important: Are you already pregnant when you join CM-Hospitaalplan or CM-Hospitaalplan Plus? Then, after completing your waiting periods, you will enjoy the reimbursements for a double or multi-person room. If you opt for a single room, there will be no reimbursement of the fees and room supplements during the first 9 months of affiliation, as the pregnancy is considered pre-existing. Are you transferring from a similar mutual insurance? Then this period may be reduced or cancelled.
Home birth
You will also receive a refund from CM-Hospitaalplan or CM-Hospitaalplan Plus for a home birth. You will be reimbursed for your necessary medical costs, just like during a hospital stay, up to 2 months before the home birth and up to 4 months after your home birth from CM-Hospitaalplan . Even better insured? With CM-Hospitaalplan Plus you will be reimbursed for your medical costs up to 2 months before the home birth and up to 6 months after your home birth.
This includes, among other things:
- Statutory deductibles
- Fee supplements up to 100%
- Reimbursable medicines
- Maternity care
You will also receive an additional lump sum of 100 euros for medical-technical aids or materials used during your home birth.
Maternity care
Does your new family need extra support in the form of maternity care after the birth? Then CM-Hospitaalplan will assist you with an extra reimbursement of up to 2 euros per hour for 30 hours with a maximum of 60 euros per birth, on top of the reimbursement you receive from CM services and benefits. Even better insured? CM-Hospitaalplan Plus will reimburse your maternity care up to 6 euros per hour, with a maximum of 30 hours or 180 euros per birth, on top of the reimbursement you receive from the CM services and benefits package.
Connecting your newborn
Is your baby dependent on an insured person who is affiliated with a CM insurance? Then he or she will enjoy many benefits:
- the date of birth is considered the date of connection;
- there is an immediate right to a refund because there is no waiting period;
- the 'pre-existing condition' guarantee does not apply.
- free connection up to and including the second calendar year after the year of birth.
More info?
Furthermore, CM Hospital Plan and CM Hospital Plan Plus contain a number of special guarantees that provide reimbursement for a number of specific costs: rooming-in, donors, fertility treatments, home births, hospitalisations in a psychiatric hospital, pre-existing conditions, breast reductions, obesity, preventive mastectomies, dental care and removal of wisdom teeth during a hospital stay.
More info?
Request your refund
CM Hospital Plan and CM Hospital Plan Plus provide reimbursement for medical costs of check-ups and examinations directly related to your hospital admission in the period of 2 months before your hospital admission. This does not apply to all day admissions.
Which costs are reimbursed?
All excess and reimbursable supplements such as GP visits, medicines, preparatory appointments at the hospital or the specialist's practice, laboratory costs, rental costs for medically necessary aids loaned from Goed … will be reimbursed. You do not need to take any action yourself. You must of course still submit doctor's certificates via the CM letterbox.
For which costs do you provide proof?
For invoices for emergency patient transport (112 transport), always provide CM with proof together with this completed form .
Important: Choose a single room or a shared room for a price-conscious price
CM-Hospitaalplan and CM-Hospitaalplan Plus take into account the existing conditions at the time of affiliation for the first three years. For these conditions, no room and fee supplements are reimbursed for a single room. For a double or multiple-person room, fee supplements may never be charged.
Financial information about the different room types can be found on the admission statement. You will receive this at the latest upon your admission, but you can also request it in advance. You can also ask your doctor to make an estimate of the price or you can compare the hospital rates with the CM application compare hospital rates .
You can read how to request a refund here:
How do I request a refund after a hospital stay?
Good to know
Only after receiving your hospital bill can you prepare your hospitalisation declaration.
CM Hospital Plan and CM Hospital Plan Plus provide reimbursement for medical costs of check-ups and examinations directly related to your hospital stay. This does not apply to all day admissions.
CM Hospital Plan will reimburse these costs up to 4 months after your admission
Even better insured?
CM Hospital Plan Plus will reimburse these costs up to 6 months after your admission
Which costs are reimbursed?
All excess and reimbursable supplements such as GP visits, medicines, preparatory appointments at the hospital or the specialist's practice, rental costs for medically necessary aids loaned from Goed, laboratory costs, etc. will be reimbursed. You do not need to take any action yourself. You must of course still submit doctor's certificates via the CM letterbox.
CM Insurance processes all these related costs at fixed times after your admission.
For which costs do you provide proof?
Always provide CM with proof of these costs, together with this completed form .
- invoices for urgent patient transport (112 transport)
- invoices from the recognized rehabilitation centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
- remaining medical costs after reimbursement by another hospital insurance.
To request a refund, you must:
- the ' application for guarantee for outpatient costs for serious illness ' form, signed by yourself and your GP/specialist.
- a recent medical report from your specialist, which your GP can retrieve from your medical file.
Which costs are reimbursed?
Once your application is approved, you will receive reimbursement for medical expenses directly related to your condition. These may include visits to your GP, medications, follow-up appointments at the hospital or specialist's office, lab fees and more. You will receive reimbursement for these expenses every 3 or 12 months.
For which costs do you provide proof?
Always provide CM with proof of these costs, together with this completed form :
- invoices from recognised healing centres Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa;
- invoices for the rental of medical equipment;
- invoices for urgent patient transport (112 transport). Documents can be delivered to CM via verzekeringen@cm.be or via a CM letterbox .
A smart combination with CM's other insurance policies
CM-MediKo Plan
For medical expenses without hospitalization:
- 75% back of your deductible at your GP, dentist, specialist, physiotherapist, etc.
- 120 euros every year for glasses or lenses
- Up to 1,200 euros for your hearing aid
- Up to 1,800 euros reimbursement for dental care (dental prostheses, orthodontics, etc.)
- TIP: Bundle affordable CM-Hospitaalplan (Plus) and CM-MediKo Plan
CM-Hospitalfix Extra
For an additional amount in case of hospital admission:
- Fixed allowance of 25 euros per day in the hospital
- Combine with your cost-covering hospitalisation insurance
- Extra peace of mind: CM arranges everything directly, you do not have to submit invoices