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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.

Even if you think your certificate is not legible, submit it to CM. If CM cannot process it, she will send a correction document to your doctor. As soon as we have received the completed form, CM will transfer the refund to your bank account.

Pending final and full reimbursement by the party liable for reimbursement, CM is responsible for the (partial) reimbursement of the medical costs and a benefit due to disability . The party liable for compensation is obliged to compensate for all consequences of the accident. That is why it must also repay CM's reimbursements when it comes to the costs resulting from the accident. It is important that you inform your lawyer, legal expenses insurer or CM carefully before signing a final settlement. This way you avoid being insufficiently compensated for the consequences of the accident or having to bear costs yourself afterwards. Because you cannot receive double compensation for the same damage, CM will adjust its refunds to the amount you received. Example: does the medical expertise judge that you are entitled to three physiotherapy sessions per week - also in the future? Then the other party must repay you in full. You will not receive a refund from CM for those physical treatments

Only the damage caused by the accident must be compensated. Example: Are you injured in your left leg during an accident? Then the person liable for reimbursement only has to pay the costs for care for your left leg. Medical evaluation To determine what damage is the result of the accident, a medical expertise will usually take place. The appointed doctor will: determine when your injuries have stabilized to such an extent that no further improvement or deterioration can be expected; determine what damage has already been suffered as a result of the accident; describe what damage will or could occur in the future as a result of the accident. Example Every year you must have a scan of your left leg for a check-up. The person liable for reimbursement must bear these annual costs. Or the expert determines that premature osteoarthritis may occur as a result of the accident. If this occurs, the party liable for reimbursement must also bear these costs. Final settlement Once the damage has

The person who caused the damage For example: the person who causes a traffic accident by excessive speed or failure to give way. The person responsible for damage that he has not caused himself , such as: parents for damage caused by their minor child; teachers for the damage caused by the students under their care; employers for damage caused by their employees; owners/keepers of animals for damage caused by their animal; owners of defective buildings and/or objects for the damage caused thereby; the insurer of the perpetrator or the person responsible (in most cases). The owner or insurer of the vehicle that was involved in an accident with a vulnerable road user