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Only the costs related to your (day) admission for dental care and the removal of wisdom teeth are reimbursed. The costs during the pre- and post-treatment are not included. In the event of hospitalisation due to a serious illness or accident requiring dental care, pre- and post-care will also be reimbursed. With a few exceptions, there is no reimbursement for dental prostheses and implants.

Fertility treatments This applies to both the (day) admission and the pre- and post-treatment (from 1 month before to 3 months after the procedure). The total reimbursement is limited to 1,000 euros per member, regardless of the number of fertility treatments. Breast reductions During the first three years of your membership with CM-Hospitaalplan, the costs are reimbursed in the same way as a pre-existing condition. Afterwards, they will be reimbursed according to the reimbursements for hospitalization and pre- and post-treatment. The total reimbursement is always limited to 1,000 euros per affiliate. Procedures to treat obesity (e.g. liposuction, gastric banding, etc.) During the first three years of your membership with CM-Hospitaalplan, the costs are reimbursed in the same way as a pre-existing condition. Afterwards, they will be reimbursed according to the reimbursements for hospital admission and pre- and post-treatment. The total reimbursement is always limited to 1,250 euros per

Costs for the services below and their consequences and complications: (purely) aesthetic care or treatment, rejuvenation treatments or care with an aesthetic purpose; preventive investigations; spa treatments (e.g. thermalism, thalassotherapy, hygienic diet); breast enlargements; treatments and medicines whose benefits have not been scientifically proven; dental prostheses and dental implants; services that are not necessary for the restoration of health; costs arising from the practice of dangerous sports and any sport as a professional activity, including training; costs for deliberate medical treatment abroad without the permission of the medical advisor. Costs resulting from: wars or disasters; unrest, riots, collective violence; intentional or reckless acts, bets or challenges; crime; drunkenness or alcohol intoxication, use of narcotics; facts caused by radioactive, toxic or explosive substances. Costs that may not legally be charged.

At CM-Hospitaalplan, the maximum reimbursement is 22,000 euros per member per calendar year for both hospital admissions and pre- and post-treatment. For admissions from 1 January 2025, this amount will be increased to 25,000 euros. Even better insured? With CM-Hospitaalplan Plus, the maximum reimbursement per member per calendar year is 40,000 euros for both hospital admissions and pre- and post-treatment. For outpatient costs for serious illnesses, the maximum reimbursement is 7,000 euros from CM Hospital Plan or CM Hospital Plan Plus.

Yes, the hospital may request an advance. The amount depends on your room type and is stated on the admission statement. After seven days, the hospital can ask you for a new advance. The amount may be higher if you do not have health insurance in order. A hospital may not refuse you admission (in a communal room), even if you cannot pay the advance.

CM-Hospitaalplan and CM-Hospitaalplan Plus reimburse the costs of unplanned/unexpected hospital admissions outside Belgium up to 1,000 euros per calendar year and per insured. As a CM member, you also enjoy travel assistance abroad. For planned hospitalisations outside Belgian territory, you require prior permission from the CM advisory physician.

The reimbursement for admission to a psychiatric hospital is always limited to 1,250 euros (for admissions from 1 January 2025: 1,500 euros) per insured person and per calendar year under the CM-Hospitaalplan. Even better insured? CM-Hospitaalplan Plus provides reimbursement for admission to a psychiatric hospital up to 2,000 euros per insured person and per calendar year. For admissions to a psychiatric department of a general hospital (PAAZ), the ceiling amounts mentioned above do not apply. Admission and the costs of pre- and post-hospitalization care are reimbursed within the 'hospitalization guarantee' and the 'pre- and post-hospitalization guarantee': child neuropsychiatry (K, service code 340); day care in a K-shift (K1, shift code 350); night care in a K-shift (K2, shift code 360); neuropsychiatry service (A, service code 370); day care in an A-shift (A1, shift code 380); night care in an A-shift (A2, shift code 390); psychiatric service (T, service code 410); day care in a T

The costs for an overnight stay of one person in a member's hospital room are reimbursed up to 35 euros per day from CM-Hospitaalplan. For admissions from 1 January 2025, you will receive a reimbursement of up to 40 euros per day including meals. Even better insured? CM-Hospitaalplan Plus provides reimbursement of the costs for an overnight stay of one person in a member's hospital room up to 60 euros per day, including meals. The accommodation costs associated with the donation that are medically required for the treatment of the member will be fully reimbursed

The excess and the lump sum for your medicines will be fully reimbursed, regardless of your choice of room. The room supplement for your single room is reimbursed from CM-Hospitaalplan up to 55 euros per day. For admissions from 1 January 2025 you will receive a refund up to 65 euros per day. Even better insured? CM-Hospitaalplan Plus provides a refund of up to 95 euros per day for the room supplement for your single room.