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An accident is an unexpected, unwanted event. CM Insurance defines an accident as a traffic accident, sports accident, industrial accident, accident at school or in the youth movement, private accident (unexpected, unwanted event in the private sphere, e.g. a fall down the stairs).

You can find the invoice number on the 'Summary of costs' page of your hospital invoice. You will find more information about your hospital invoice on Hospital Invoice .

Have you received your hospital bill? Take them by the hand and start filing the tax return. You can read how to do that here .

When processing your hospital invoice, it is checked whether the hospital was allowed to charge the medical costs. Do you see the statement 'Member Defense Dispute' on the payment slip from CM Insurance? The Member Defense department will then investigate this cost. Don't you see this? Then your hospital bill is in order.

No, you will receive one confirmation email with several attachments. A summary is included in the appendix for each hospital invoice submitted.

Unless otherwise stated, CM-Hospitaalplan and CM Hospitaalplan Plus will reimburse the majority of your medical expenses that are directly related to your hospital without you having to take any action yourself. You will of course still need to submit doctor's certificates via the CM mailbox. CM-verzekeringen processes all these related costs at fixed times after your admission. You will receive more information about this when you receive reimbursement of your hospital bill. For CM-Hospitaalplan, this concerns medical costs in the period from 1 month before to 3 months after your admission. For admissions from 1 January 2025, this period will be extended to 2 months before to 4 months after your admission. Even better insured? CM-Hospitaalplan Plus provides a refund for the costs of examinations directly related to your hospital admission 2 months before up to 6 months after your admission.

If your declaration was successfully forwarded, you will see the text on the last screen: 'An email with an attachment has been sent to...' You will also receive a confirmation to the email address known to CM. Be sure to check your spam folder.

CM Insurance never pays the invoice directly to the hospital, you do that yourself. Make sure that payment to the hospital is made on time. The reimbursement for CM insurance will be transferred to your account.