CM-MediKo Plan

No, this is not possible. Both you as the beneficiary as all persons who are dependent on you for health insurance must join.

Premiums start from 12.57 euros per month and depend on your age. Do you want to join? Then all persons who are dependent on you for health insurance must also join.

You can calculate your premium yourself here. The table below gives an indication:

If joining before the 60th birthday
Newborns

-

0-2 years

-

0-9 years

12.57

10-19 years

16.84

20-34 years

17.69

35-49 years

21.80

50-64 years

23.41

65-74 years

26.62

From 75 years

29.24

When joining after the 60th birthday
60-64 years

28.08

65-74 years

31.95

From 75 years

35.09

When joining after the 66th birthday
66-74 years

34.61

From 75 years

38.01

When joining after the 70th birthday
70-74 years

39.91

From 75 years

43.87

Children are exempt from premium payments up to and including the second calendar year after their year of birth. From then until the age of 9, you pay a premium of 12.57 euros per month for children.

If you have more than three dependents, the premium is halved from the fourth dependent.

Do you pay the CM insurance premium by transfer? You will then receive a payment invitation for the new year in December.

Do you pay the CM insurance premium by direct debit? The premium will be deducted monthly, quarterly or annually using the number BE02 0688 9385 6340.

Do you wish to change the payment method? Please contact us on 078 151 151.

Yes, anyone who has both CM-Hospitaalplan and CM-MediKo plan enjoys a 5% discount on the premium for CM-Hospitaalplan. You don't have to do anything for this, it will be settled automatically.

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.

Dependent children of a policyholder affiliated with CM-MediKo Plan are exempt from paying premiums up to and including the second calendar year after the year of their birth.

By law, the insurance premium must be paid before the period to be insured. This is included in the articles of association and is a general insurance principle. The premium must therefore also be paid before the insurance takes effect.

The direct debit dates are the same for all insured persons. It is therefore not possible to adjust this data.

Is this the first invoice you have received for this insurance? Then your first payment is always made by bank transfer to confirm your connection.

If you provide CM with a completed and signed SEPA mandate, your next payment will be made by direct debit.

At www.cm.be/selfservice.be you can indicate which documents you want to receive by post and which you want digitally.

Here you will find the steps to change your account number. Does your old account number no longer exist and was the direct debit refused? You will then receive a payment reminder from CM Insurance.

Yes, you can also send the detailed invoice stating the reimbursement from the health insurance and your personal share (co-payment and supplement) to CM yourself.

Provide CM with the detailed invoice and the certificate of assistance provided or delivery, together with the prescription.

  • You only pay your personal share at the hearing care professional.
  • Your hearing care professional provides the delivery certificate to CM.
  • CM pays the reimbursement from CM-MediKo Plan.

  • Submit the certificate of assistance provided to CM
    The certificate for assistance provided is the note that you receive from your doctor or healthcare provider after your consultation. You deliver it to CM via one of the CM mailboxes . An envelope is not necessary. Sometimes your doctor or healthcare provider provides the certificate directly (electronically) to CM. Then you don't have to do anything.
     
  • You will receive the refund directly into your account.
    Repayment is made automatically and four times a year at fixed times.

Provide CM with the birth certificate from the municipality or city.

Provide CM with one of the following documents:

  • the BVAC certificate from the pharmacist;
  • the detailed invoice from the hospital or vaccination center;
  • the application form, completed and signed by yourself and the healthcare provider.

  • Have your doctor complete a reimbursement form
    The Riziv makes this document available for this purpose.
     
  • Submit the completed supporting document to CM for reimbursement
    The certificate for assistance provided is the note that you receive from your doctor or healthcare provider after your consultation. You use one of the CM mailboxes for this. An envelope is not necessary.
     
  • Provide CM with the certificate for assistance provided
    You can also use one of the CM letterboxes for this. An envelope is not necessary.
     
  • Orthodontics: have the doctor draw up a treatment plan
    This is mandatory for orthodontic treatments without the right to reimbursement from health insurance. This plan includes:
    • the diagnose;
    • the description of the treatment plan;
    • the equipment to be installed;
    • the creation date.
       
  • Orthodontics: provide the treatment plan to CM
    Do this with the first request for a refund from CM-MediKo Plan.
     
  • You will receive the refund directly into your account

  • Provide CM with the detailed invoice or application form .
    Complete it, sign it and have it signed by your doctor or other healthcare provider.
  • Provide CM with the certificate of assistance provided or delivery

Provide CM with one of the following documents:

  • the detailed invoice;
  • the application form (completed and signed by you and the healthcare provider), together with the certificate for assistance provided.

Provide CM with a detailed settlement statement from which the co-payment per provision can be derived. The co-payment will be transferred to your account.

Then deliver this to CM yourself.

Normally the refund will be made within three weeks after CM has processed the supporting documents.

Because with many hearing care professionals you only pay the personal share (co-payment and any supplement), the reimbursement depends on the time at which CM receives the certificates. As a result, the three-week period may be exceeded. The repayment never takes longer than three months.

The refund will always be made within three weeks after CM has processed the supporting documents.

If you only pay the personal share (co-payment and any supplement) to the care provider, the reimbursement depends on the time at which CM receives the certificates from the care provider. As a result, the three-week period may be exceeded.

The refund will always be made within three weeks after CM has processed the supporting documents.

If you only pay the personal share (co-payment and any supplement) to the ophthalmologist, the reimbursement depends on the time at which CM receives the certificates from that same ophthalmologist. As a result, the three-week period may be exceeded.

The refund will always be made within three weeks after CM has processed the supporting documents.

If you only pay the personal share (co-payment and any supplement) to the dietician or other healthcare provider, the reimbursement depends on the time at which CM receives the certificates from that same healthcare provider. As a result, the three-week period may be exceeded.

The refund will always be made within three weeks after CM has processed the supporting documents.

If you only pay the personal share (co-payment and any supplement) to the healthcare provider, the reimbursement depends on the time at which CM receives the certificates from that same healthcare provider. As a result, the three-week period may be exceeded.

The refund will always be made within three weeks after CM has processed the supporting documents.

Repayment is made four times a year and according to a fixed schedule:

Period of submission of certificateDate of refund
January 1 to March 31mid June
April 1 to June 30end of August
July 1 to September 30end of November
October 1 to December 31the end of February the following year