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In the event of an accident with injuries and a potentially liable third party, you must inform CM as soon as possible. Why? CM will then initiate a 'subrogation action' in which we recover the medical costs incurred by the CM from the liable party. These costs are often much higher than your own personal share. Why is that important? It protects our social security against unnecessary expenditure, because the responsible party pays (and not social security, to which everyone contributes). Is there no liable third party? CM will then cover the costs.

You do not have to take someone else's eID with you. It is sufficient to present a yellow sticker or another document stating the national register number of that person.

No, your national register number can be read without having to enter the PIN code.

No. No health insurance fund data is stored on your eID or other identification documents. They only serve to read your national register number electronically.

With a duplicate you can still receive the refund from CM. Ask your healthcare provider for a duplicate of the certificate. This must clearly state that it is a duplicate. Deliver the duplicate to CM. She will investigate whether the services have already been reimbursed and, depending on this, will ensure the reimbursement to your bank account.