CM-Hospitaalplan is a cost-covering 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.
The biggest advantages of CM-Hospitaalplan are the premiums that start from 4.22 euros per month, the waiting period of only 3 months and the very favorable membership conditions for newborns.
CM insurance at a glance
CM Hospital Plan
- premiums start from 4.22 euros per month
- Anyone can join, young or old or with a pre-existing condition
- waiting time of only 3 months
- very favorable connection conditions for newborns
- combine CM-Hospitaalplan and CM-MediKo Plan and enjoy a 5% discount
- for medical costs without hospitalization
- up to 75% of the co-payment for doctors, dentists, specialists, physiotherapists and other healthcare providers is reimbursed
- up to 600 euros reimbursement for, among other things, dental and eye care
CM-Hospitaalfix and Fix Extra
- in addition to your existing insurance
- additional hospitalization insurance
- CM arranges everything directly, you do not have to submit invoices
- fixed fee per day in the hospital
- CM-Hospitaalfix: 12.37 euros per day;
- CM-Hospitaalfix Extra: 25 euros per day.
Do you still have questions?
Our specialists are ready to remove the last doubts.
Consult the frequently asked questions
Do you have a question? Check the frequently asked questions about CM Hospitaalplan.
Start or schedule a video call
We provide a 20-minute video calling appointment at a time that suits you best.
Ask your question by telephone
- Monday tot Thursday: 08.30 to 12.00 uur and 13.00 to 17.00
- Friday: 08.30 to 12.00 and 13.00 to 16.00
Make an appointment at a CM contact point
Of course you can also visit one of our CM contact points by appointment.
Declare your hospitalisation or serious illness
I am admitted to hospital
If you have a planned hospital admission, beware of high hospital bills.
- 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.
- Ask your doctor for an estimate of the price of the operation.
The costs for medical equipment (implants or adhesives that remain in the body) can increase. Also start the conversation about fee supplements.
- 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;
- after an accident: the name of the insurance company and the number of the insurance policy.
Please note that CM-Hospitaalplan also contributes to the costs of examinations directly related to your hospital admission, starting 1 month before (and up to 3 months after) your admission.
- 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 included in the reimbursement. 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 .
- Don't worry, your recovery is the most important thing now. CM provides administrative support.
- 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 .
- Absence certificate
- After your hospital stay, sufficient rest is crucial for a smooth recovery. Here too, CM takes care of the administration for you.
- Only after receiving your hospital invoice can you complete your hospitalization declaration .
- Please note that CM-Hospitaalplan also covers the costs of examinations directly related to your hospitalization up to three months after your admission:
- 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 included in the reimbursement. So you don't have to take any action yourself.
- Reimbursement will not be made automatically for the costs below. Always provide CM with proof of these costs, together with this completed form ('Aanvraag niet-automatische terugbetaling ambulante kosten') :
- 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.
- 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.
Have you received your hospital bill? Take them by the hand and start filing the tax return. After the declaration, you will receive a payment overview and the refund on your account number.
For certain costs, reimbursement is not automatic. Always provide CM with proof of these costs, together with this completed form ('Aanvraag niet-automatische terugbetaling ambulante kosten').
I have a serious illness
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;
- liver cirrhosis due to hepatitis;
- diabetes type 1;
- kidney disorders requiring kidney dialysis;
- cystic fibrosis;
- systemic scleroderma with organ involvement;
- Crohn's disease and ulcerative colitis.
The costs below for medically necessary outpatient care are 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 if not placed during an admission.
- Medicines, implants, synthetic material, plaster material, stoma and incontinence material
This will be fully refunded if the health insurance also provides a refund.
- 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.
1. Deliver CM
- the form 'application for guarantee for outpatient costs for serious illness' signed by yourself and your GP/specialist
- a recent medical report from your specialist, which your GP can retrieve from your medical file
You can send documents to CM via [email protected] or via a CM mailbox . 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.
2. You will receive your refund
Once your application is approved, you will automatically receive reimbursement for outpatient costs directly related to your condition. This may include GP visits, medicines, follow-up appointments in the hospital or specialist practice, laboratory cabinets and more.
You will receive the refund every 3 or 12 months.
3. You submit other costs manually
- To do this, you complete the 'request for non-automatic reimbursement for outpatient costs' form.
- You add proof of the 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 transport).