Everyone deserves a little extra help with medical costs.

That is why there is the CM-MediKo Plan: insurance with extra reimbursements for many medical expenses without hospitalization. This way, you choose more comfort, more protection, and more peace of mind. Discover what is included and easily calculate your premium.

  • Join from 13.04 euros per month
  • Easily request your refund
  • All your reimbursements clearly organized in the My CM app

Calculate your premium now

      More than 1.3 million people trust CM's insurance policies.

meisje zit in bed en dokter houdt stethoscoop tegen haar rug

As a CM member with the CM-MediKo Plan, you can receive these reimbursements.

Good to know: you always combine CM insurance with a CM membership. This way, you can count on strong protection as well as a comprehensive package of services and benefits.

Up to 1,500 euros in co-payments reimbursed

Are you visiting a general practitioner, specialist, or another healthcare provider? Then you will be reimbursed 75% of the co-payment up to 1,500 euros per year.

Up to 1,650 euros reimbursed for dental prostheses

Need a dental prosthesis? Then you can combine the reimbursement of the CM-MediKo Plan (up to 600 euros) with the CM benefit (up to 1,050 euros).

Up to 170 euros reimbursed for glasses and contact lenses

Are you buying glasses or contact lenses? You can combine the reimbursement from the CM-MediKo Plan (up to 120 euros) with the CM benefit (up to 50 euros).

Up to 1,200 euros reimbursed for your hearing aid

You receive up to 600 euros if you buy a monophonic hearing aid and up to 1,200 euros for a stereophonic hearing aid.

Up to 80 euros for nutritional and dietary advice

Are you visiting a recognized dietitian? You can combine the reimbursement of the CM-MediKo Plan (up to 40 euros) with the CM benefit (up to 40 euros).

Up to 2,100 euros reimbursed for orthodontics

Need braces? Then you can combine the reimbursement of the CM-MediKo Plan (up to 600 euros) with the CM benefit (up to 1,500 euros*).

Up to 600 euros reimbursed for periodontology

Do you need treatment by a periodontist? With CM-MediKo Plan, you get reimbursed up to 600 euros per year.

Up to 250 euros reimbursed for intraocular lenses and outpatient surgical corrections of your vision

You can benefit from this reimbursement through the CM-MediKo Plan every year.

Get 250 euros for childbirth

You receive 250 euros from the CM-MediKo Plan upon childbirth. Combine with the CM benefits for young families: up to more than 7,000 euros.

Up to 25 euros for travel vaccines

Even when traveling, good protection against certain life-threatening diseases is welcome. That is why you receive up to 25 euros per year for travel vaccines.

How much does the CM-MediKo Plan cost?

Your premium depends on your age and when you join. You can easily calculate the exact premium for you and your family online.

Good to know: if you join the CM-MediKo Plan, your dependent children are insured free of charge up to and including the third calendar year after the year of their birth.

Tip: In addition to CM-MediKo Plan, also join CM-Hospitaalplan or CM-Hospitaalplan Plus and receive a discount on the premium of your hospitalization insurance. This way, you are optimally protected.

Calculate your premium now

Our members share their experience with the CM-MediKo Plan.

I am covered by my employer's hospitalization insurance. However, it does not reimburse my medical expenses without hospitalization. I contacted CM, and they told me that I can combine any hospitalization insurance with the CM-MediKo Plan without any problems. I signed up immediately.

Karim, 37 years old

Veelgestelde vragen en antwoorden

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

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

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

  • 3 months for co-payments, travel vaccines, and nutritional and dietary advice
  • 6 months for eye care
  • 12 months for dental prostheses and implants, orthodontics and periodontology, hearing aids and maternity allowances.

Yes. To join a CM insurance policy, you must be and remain insured with CM Flanders for the services and benefits offered and be up to date with the payment of your CM contributions.

As a CM member, you can enjoy an extensive package of CM services and benefits.

A smart combination with the other insurance policies from CM

CM Hospital Plan and CM Hospital Plan Plus

CM-Hospitaalplan and CM-Hospitaalplan Plus are cost-covering hospitalization insurance policies that reimburse the costs of your (day) admission, pre- and post-admission care, and medically necessary costs without admission for certain serious illnesses. CM-Hospitaalplan Plus offers even broader reimbursement than CM-Hospitaalplan.

  • Everyone can join, regardless of age or medical history.
  • Excellent value for money
  • Favorable enrollment conditions for newborns and adopted children
More about hospitalization insurance
zwachtel rond hand aanbrengen

CM-Hospitaalfix Extra

For an additional amount for hospitalization:
 

  • Fixed allowance of 25 euros per day in the hospital
  • Combine with your cost-covering hospitalization insurance
  • Extra peace of mind: CM handles everything directly, you don't have to submit any invoices.
More about CM-Hospitaalfix Extra
zwachtel rond hand aanbrengen

CM Dental Plan

Extra financial protection for dental care without hospitalization? With CM-Tandplan dental insurance, you get:

  • up to 80% reimbursed for dental care, from check-up to treatment
  • up to 3,300 euros for orthodontics*
  • up to 2,850 euros for dental prostheses and implants*
  • Children up to and including 3 years of age insured free of charge

In combination with the CM benefit.  

More about CM-Hospitaalfix Extra

Need help? We are here for you.

You can reach us in whatever way you feel comfortable.

Video appointment

Discuss your questions at your leisure with one of our employees, at a time that suits you.

Schedule your appointment

Prefer to contact us by phone?

Would you prefer to call to discuss your questions? Then you can contact us at 02 204 32 10.

Call 02 204 32 10

Voorwaarden en informatiedocument