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Terms and conditions when signing up for CM-insurance

The agreement is concluded when the policyholder signs the insurance application and makes the first premium payment. The insurance starts on the starting date and is valid for life, except in the event of cancellation by the policyholder, non-payment of the premium and in the event of fraud.

Your child is covered free of charge until the end of the third calendar year if you are enrolled in CM-MediKo Plan, CM-Hospitaalplan or CM-Hospitaalplan Plus.

If you are enrolled in CM-Hospitaalfix or CM-Hospitaalfix Extra, your child is covered free of charge until the end of the second calendar year after birth.

Advantages:

  • the date of birth serves as the connection date;
  • there is an immediate right to a refund because there is no waiting period;
  • the guarantee 'pre-existing condition' does not apply.

No, this won't work. Both you as the beneficiary and all persons dependent on you for statutory health insurance must join, unless they are affiliated with a similar insurance policy.

There is a general waiting period of three months, which starts on the date of joining. For fertility treatments, the waiting period is nine months.

During your waiting period, you are already insured for hospital admissions through CM-Hospitaalplan and CM-Hospitaalplan Plus for:

  • an accident;
  • a number of acute infectious diseases such as mumps, meningitis, measles, rubella, scarlet fever or chickenpox.

Are you switching from a similar hospitalisation insurance? Then the three-month period is reduced by the period that you were continuously affiliated with that insurance immediately prior to the switch.

When switching from a similar mutual hospitalisation insurance, the waiting time for fertility treatments can be shortened.

More information about the waiting period can be found in the general terms and conditions . Would you like to discuss your personal situation? Please contact an employee .

Conditions that already exist at the time of joining CM-Hospitaalplan or CM-Hospitaalplan Plus are not excluded.

Hospital admissions due to a pre-existing condition or illness are reimbursed during the first three years of membership as follows:

  • you choose a shared room or double room: reimbursement according to the 'hospital admission' and 'pre- and aftercare' guarantee;
  • you choose a single room: according to the 'hospital admission' guarantee, including 'pre- and aftercare', but without reimbursement for fees and room supplements.

Admissions resulting from a pre-existing pregnancy are reimbursed in the same way during the first nine months of membership.

Are you transferring from a similar mutual insurance company? Then the above-mentioned periods of three years and nine months are reduced by the period that you were continuously affiliated with that insurance company immediately prior to the transfer.

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

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

  • 3 months for co-payments, vaccinations and nutritional and dietary advice;
  • 6 months for eye care;
  • 12 months for dental care, hearing aids and maternity benefits.

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

The waiting period is three months.

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.  

No, everyone is welcome, no matter how old you are or what medical history you have. You join without a prior medical examination or medical questionnaire.

Do you want to cancel your CM insurance? Make sure you're well-informed before making that decision.

Please note that:

  • for CM-Hospitaalplan Plus there is a minimum membership period of 1 year;
  • re-affiliation is only possible if all affiliation requirements have been met and any past premium arrears have been paid. The waiting periods must be completed again. Upon re-affiliation with CM-Hospitaalplan and CM-Hospitaalplan Plus, the special guarantee for pre-existing conditions also applies again;
  • re-affiliation with CM-Hospitaalplan Plus is only possible after a minimum period of one year, starting from the date on which the previous affiliation was concluded;
  • re-affiliation with CM-MediKo Plan is only possible after a minimum period of three years, starting from the date on which the previous affiliation was concluded.

What if you retire, change jobs, or lose your job? With CM, you remain insured, even if your situation changes. If you want to renew your CM insurance later, you'll often pay more because you'll move into a higher age category. Avoid these extra costs by keeping your insurance.

How do I cancel the insurance?

Contact an employee who will provide you with a cancellation form, or cancel the insurance by registered letter, by delivering the cancellation letter personally against receipt, or via a bailiff.

This letter of cancellation must contain at least the following information:

  • name and national register number of the policyholder (if applicable: also of the policyholder's dependents);
  • name of the CM insurance(s) you wish to cancel;
  • the desired end date;
  • indication whether the termination is requested for all insured persons;
  • the signature of the policyholder.

The membership can be terminated at the earliest from the last day of the month following the month in which CM Insurance receives the signed termination request.

Only the policyholder (= the person entitled to the policy who signed the affiliation with CM Insurance) can cancel the insurance for themselves and/or their dependents.

If you don't want to cancel the insurance for all policyholders, you must provide proof of affiliation with a similar insurance company for the person(s) for whom you wish to cancel the CM insurance.