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CM-Hospitaalplan/CM-Hospitaalplan Plus provides reimbursement for the removal of wisdom teeth provided this is done during a (day) hospitalisation in a generally recognised hospital. Only the costs incurred during this (day) hospitalisation are eligible for reimbursement. Thus, no reimbursement is provided for the cost of preliminary examinations and/or aftercare.

If you are affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus, you can make use of CM Second-O. This is a collaboration between CM-insurance and UZ Antwerp, UZ Ghent and UZ Leuven, whereby you receive a second medical opinion. This means that you submit the diagnosis or proposed treatment of your doctor for assessment to a second independent doctor from the same specialization. The second medical opinion is reimbursed by CM-Hospitaalplan or CM-Hospitaalplan Plus. You only pay a one-off administrative fee of 30 euros. How can I make use of CM Second-O? Step 1: call 078 151 151. Our employees will look at the conditions for starting a file together with you. We will not discuss any questions about the medical aspects. Step 2: your file is opened. Does your application meet all the conditions? Then you will receive the form 'Refund application CM Second-O'. Step 3: make an appointment. Contact UZ Antwerp, UZ Ghent or UZ Leuven for the second medical opinion and make an appointment

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.

The deductible, which only applies to the reimbursement of additional fees for admission to a single room, is: 0 euros in case of hospital admission for childbirth; 100 euros per hospital admission for a classic admission with overnight stay; 175 euros per hospital admission for a day admission. Even better insured? With CM Hospitaalplan Plus, the 100 euro deductible is only applied if the additional fees at the time of admission are higher than 150%. These deductibles are applicable per hospital admission with a maximum of 350 euros per calendar year. Fees for services that may legally be charged but which are not reimbursed by the statutory health insurance will be reimbursed up to 200 euros per hospital stay if they do not fall under the exclusions of the insurance.

CM-Hospitaalplan provides for a reimbursement of max. 2 euros per hour worked (max. 30 hours worked) per delivery for maternity care services provided from calendar year 2025. This within the period of 2 months before the (expected) date of delivery until 4 months after the date of birth in case of a home birth or outpatient delivery. Or until 4 months after the child is discharged from the hospital in case of a hospital delivery. Even better insured? CM-Hospitaalplan Plus provides a reimbursement of max. 6 euros per hour per hour worked (max. 30 hours worked) per delivery. This within the period of 2 months before the (expected) date of delivery until 6 months after the date of birth in case of a home birth or outpatient delivery. Or until 6 months after the child is discharged from the hospital in case of a hospital delivery.

From 1 January 2025, a consultation for psychological support with a clinical psychologist or educational psychologist with an FOD visa number will be partially reimbursed. This is on condition that it falls within a period of pre- and aftercare or if it is directly related to a recognised serious illness. A maximum of 40 euros per session will be reimbursed, after any reimbursement from the additional CM services and benefits. A maximum of 200 euros will be reimbursed per insured person and per calendar year. You can find more information about this in the general terms and conditions.

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 .