CM-Hospitaalplan in detail
CM-Hospitaalplan is a cost-covering hospitalization insurance that provides reimbursement for the costs of your (day) admission, the pre- and aftercare during your admission and outpatient care for certain serious illnesses.
I am not yet affiliated with CM-Hospitaalplan
The biggest advantages of CM's hospitalization insurance are the premiums that start from 4.22 euros per month, the waiting period of only 3 months, the very favorable membership conditions for newborns and the simple and fast application for reimbursements. Moreover, everyone is really welcome!
What is insured within CM-Hospitaalplan?
- CM-Hospitaalplan reimburses medically necessary costs in the period from 1 month before the start of your admission to 3 months after the end of your admission. This is on the condition that your withdrawal also entitles you to a refund.
- The outpatient costs guarantee for serious illnesses applies to medical costs that are directly related to a serious illness for which the diagnosis has been confirmed and which is included in the general terms and conditions of CM-Hospitaalplan.
- Furthermore, CM-Hospitaalplan contains a number of special guarantees that provide reimbursement for a number of specific costs: rooming-in, donors, fertility treatments, home birth, hospitalizations in a psychiatric hospital, pre-existing condition, breast reductions, obesity, preventive mastectomies, dental care and removal of wisdom teeth .
- Fees for services that may be legally charged but for which no reimbursement is provided by the statutory health insurance will be reimbursed up to 200 euros per admission if they do not fall under the general exclusions of the insurance.
How much does my CM-Hospitaalplan cost?
Premiums start from 4.22 euros per month and depend on your age. In the calendar year of membership, your premium depends on your age on the date of membership. Afterwards, your premium depends on your age on December 31 of the calendar year preceding the premium period. From the fourth connected dependent, the premium is limited to 2.11 euros per month.
You can calculate your premium yourself here. The table below provides an overview of the premiums per month in euros:
| If joining before the 60th birthday | |
| Up to 24 years | 4.22 |
| From 25 to 49 years old | 9.72 |
| From 50 to 59 years old | 11.31 |
| From 60 to 64 years | 19.45 |
| From 65 to 69 years old | 20.70 |
| From 70 years | 30.71 |
| When joining after the 60th birthday | |
| From 60 to 64 years | 25.29 |
| From 65 to 69 years old | 26.89 |
| From 70 years | 36.86 |
| When joining after the 66th birthday | |
| From 66 to 69 years old | 31.03 |
| From 70 years | 46.09 |
What are the limitations on the reimbursements of this insurance?
- Room supplements for a stay in a single room are reimbursed up to a maximum of 55 euros per day.
- Fee supplements - insofar as they may be legally charged - are reimbursed up to a maximum of 100% of the rate as set by the RIZIV. The portion of supplements charged above this percentage is borne by the insured.
- During the first three years of membership, hospitalizations due to a pre-existing condition or illness are reimbursed as follows:
- if you choose a shared room or double room: reimbursement according to the 'hospitalization' and 'pre- and aftercare' guarantee
- if you choose a single room: reimbursement according to the 'hospitalization' and 'pre- and aftercare' guarantee, but without reimbursement for fees and room supplements.
- If you are already pregnant when you join CM-Hospitaalplan, you will not receive a refund for the fees and room supplements if you choose a single room.
- The right to a refund commences after a general waiting period of three months from the connection date. 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.
- A deductible is only applied to the reimbursement of fee supplements when staying in a single room. A deductible is the part of the costs that CM Insurance does not cover but that you have to pay out of your own pocket.
- For day admissions, this deductible amounts to 175 euros per admission.
- For classic hospitalization with an overnight stay, this deductible amounts to 100 euros per hospitalization.
- These franchises are applicable per hospitalization with a maximum of 350 euros per calendar year.
- The deductibles are not applied to hospitalizations due to childbirth.
Am I insured abroad?
Yes. There are two conditions attached to this:
- The maximum reimbursement for all costs incurred outside Belgian territory is 1,000 euros per calendar year and per insured person.
- Planned hospitalizations outside Belgian territory for which no permission has been given by the health insurance fund's advisory doctor are not reimbursed.
What are my obligations?
- As an insured person, you must be and remain affiliated with CM Vlaanderen for the services and benefits offered and be in compliance with the CM contribution payment.
- You must sign the required insurance documents and pay the insurance premium.
- If you want to join the insurance, you must join the insurance not only yourself, but also all your dependents for statutory health insurance.
- If you wish to report a claim, you must provide all relevant documents about the claim to the insurer as described in the general terms and conditions.
How do I pay my insurance premium?
The premium can be paid by transfer per year or by direct debit. With direct debit you can choose between: annually, quarterly or monthly. The dates for direct debit are determined in advance and always occur before the start of the insured period.
When does the insurance start and end?
The agreement is concluded upon signature by the policy holder of the insurance application and the first premium payment. The insurance starts on the commencement date and is valid for life, except in the event of cancellation by the policy holder, failure to pay the premium and in the event of fraud.
How do I cancel my insurance contract?
The policyholder can cancel the insurance by registered letter, by bailiff's writ or by issuing the cancellation letter against acknowledgment of receipt.
Do you have another question about CM-Hospitaalplan?
Please review the frequently asked questions page. Is your question not listed? Then contact CM.
I have multiple sclerosis and therefore a lot of medical costs. Thanks to CM-Hospitaalplan, I will be reimbursed for most of the costs of my illness. That makes a big difference to me at the end of the month.
Alina, 46
I am affiliated with CM-Hospitaalplan
Are you already affiliated with CM-Hospitaalplan and would you like to request a refund? This can be done very quickly and easily.
I am admitted to hospital
Before your hospital admission
How can I avoid high hospital bills during a planned hospital admission?
Choose a single room or a shared room cost-consciously.
Financial information about the different room types can be found on the admission statement. You will receive this at the latest when you are admitted, but you can also request it in advance. If you are affiliated with CM-Hospitaalplan, conditions already present at the time of affiliation will be taken into account for the first three years. For these conditions, room and fee supplements will not be reimbursed for a single room. Supplementary fees may never be charged for a double or multiple-bed room.
Ask your doctor for an estimate of the price of the operation.
The costs for medical materials (implants or adhesives) can increase. Ask the doctor whether he charges additional fees.
Compare hospital rates and adjust your choice of hospital if possible.
You can compare rates with the CM application to compare hospital rates .
Ask for the rates of various costs.
These may include costs for the use of television, telephone, internet or meals for the accompanying partner or parent.
Be sure to bring this with you if you are admitted to hospital:
- your eID or for children under 12: the kids ID or ISI+ card
- some yellow stickies
- the contact details of your GP
- a list of the medications you take
- any medical documents. Discuss this with your doctor
- if applicable: the contact details of the services or care providers who will subsequently help you with your care at home
Do you have an accident and are you privately insured? Then make sure you have the name of the insurance company and the number of your insurance policy at hand.
Do you have an accident and are you insured through CM-Hospitaalplan? Then you don't have to do anything, except submit your hospital invoice as soon as you receive it.
Please note that CM-Hospitaalplan also provides reimbursement for the medical costs of examinations directly related to your hospital admission, from 1 month before and up to 3 months after your admission. Please note: this does not apply to all day admissions.
- All co-payments and reimbursable supplements such as GP visits, medicines, preparatory appointments in the hospital or specialist's practice, laboratory costs, etc. are automatically reimbursed. So you don't have to take any action yourself.
- Reimbursement is not automatic for invoices for urgent patient transport (100 or 112 transport). Always provide CM with proof of these costs, together with this completed form.
During your hospital stay
Have the following documents completed before you leave the hospital:
Absence certificate
For your employer, trade union or school.
Declaration of disability
If you become incapacitated for work, you must notify CM's consulting physician in a timely and correct manner. If you don't do this, you will lose part of your benefit. You can read how to arrange your disability here .
After your hospital admission
Only after receiving your hospital invoice can you complete your hospitalization declaration.
Please note that CM-Hospitaalplan also provides reimbursement for the costs of examinations directly related to your hospitalization up to 3 months after your admission. Please note: this does not apply to all day admissions.
All co-payments and reimbursable supplements such as GP visits, medicines, follow-up appointments in the hospital or specialist's practice, laboratory costs, etc. are automatically reimbursed. So you don't have to take any action yourself. You can of course still submit doctor's certificates via the CM mailbox.
The CM Insurance service automatically processes all these related costs at the following times:
- 4 months after your discharge from the hospital
- 7 months after your discharge from the hospital
Reimbursement will not be made automatically for the costs below. Always provide CM with proof of these costs, together with this completed form :
- invoices for urgent patient transport (100 or 112 transport)
- invoices from the recognized recovery centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
- remaining medical costs after reimbursement by another hospitalization insurance.
Report your hospitalization
Have you received your hospital bill? Take them by the hand and start filing the tax return. You do not need a scanner or camera for this, the declaration is made on the basis of the invoice number.
Below you will find a video that shows you step by step how it works. After the declaration, you will receive a payment overview and the refund on your account number.
Can't you submit your tax return digitally? Then print the declaration form, complete it and deliver it signed together with your hospital invoice by e-mail or via a CM mailbox.
Reimbursement will not be made automatically for the costs below. Always provide CM with proof of these costs, together with this completed form.
- invoices for urgent patient transport (100 or 112 transport)
- invoices from the recognized recovery centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
- remaining medical costs after reimbursement by another hospitalization insurance
I have a serious illness
For which serious diseases is there a reimbursement?
CM-Hospitaalplan provides reimbursement for the treatment of, among other things:
- malignant tumors (e.g. cancer)
- malignant blood diseases (e.g. leukemia, Hodgkin's disease)
- neuromuscular disorders such as MS (multiple sclerosis) and ALS (amyotrophic lateral sclerosis)
- Parkinson's disease
- meningitis
- AIDS
- liver cirrhosis due to hepatitis
- diabetes type 1
- kidney disease requiring kidney dialysis
- cystic fibrosis
- systemic scleroderma with organ involvement
- Crohn's disease and ulcerative colitis
What costs are refundable?
In addition to your admission, the costs below for medically necessary care will also be reimbursed if they are directly related to the serious illness.
Co-payment for medical care and treatment
This will be fully reimbursed.
Fee supplements
These will be reimbursed up to 100% of the established rate.
Prosthetics and orthopedic devices
The first prosthesis or orthopedic device is reimbursed.
Medicines, implants, synthetic material, plaster material, stoma and incontinence material
This will be fully reimbursed if the statutory health insurance also provides a reimbursement.
Rental of medically necessary equipment
This will be fully reimbursed
Non-urgent patient transport
The personal share for non-urgent patient transport requested from the Mutas service in the context of oncological treatment or kidney dialysis is reimbursed up to a maximum of 250 euros per calendar year.
Report your serious illness
Deliver the following documents to CM by e-mail or via a CM mailbox
- This form is signed by yourself and your GP/specialist
- a recent medical report from your specialist, which your GP can retrieve from your medical file
If necessary, you will have to apply for an extension for this recognition over time. CM will provide you with the appropriate form for this in a timely manner.
You will receive your refund
Once your claim is approved, you will automatically receive reimbursement for medical expenses directly related to your condition. This may include GP visits, medicines, follow-up appointments in the hospital or specialist practice, laboratory costs and more.
You receive the compensation quarterly or annually. The payment frequency depends on the amount of your compensation the year before. If this is higher than 50 euros, you will receive the compensation every three months. If this is less than 50 euros, you will receive the allowance annually.
You submit these costs manually
Not all costs can be processed automatically. You must provide an invoice for these costs incurred:
• Invoices from recognized health resorts 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 (100 or 112)
You must submit these invoices together with this form by e-mail or via a CM mailbox.
Do you have another question about CM-Hospitaalplan?
Please review the frequently asked questions page. Is your question not listed? Please contact us.
Knowing more? Read all about it here:
CM-MediKo Plan
CM-MediKo Plan is insurance for medical costs that have nothing to do with a hospital admission. This can range from braces, a delivery allowance to treatments with the physiotherapist.
- Up to 75% of the co-payments of (dentist) doctors, 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-Hospitaalfix Extra
With CM-Hospitaalfix Extra you receive an extra reimbursement of 25 euros per day that you are in hospital or admitted. The waiting period is only 3 months and we consciously keep the monthly premium as low as possible.
- Additional hospitalization insurance
- CM arranges everything directly, you do not have to submit invoices
- Fixed reimbursement per day in the hospital: 25 euros