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If you are incapacitated, you can no longer exercise your rights as a patient yourself. Then it is up to the representative to act on your behalf. This person does this to the extent and as long as you are unable to exercise your rights yourself. The representative must always take into account your values, preferences for current and future care and life goals. The representative must involve you as much as possible, in proportion to your level of understanding at that time.

As long as you are competent, you exercise your rights as a patient yourself. However, you may need a person to support you during conversations with doctors and other healthcare providers. This is your confidant. This person will support you, but cannot decide anything on your behalf. You do not have to formally appoint a confidant. For example, you can ask a family member or friend to assist you.

In order to be able to make an autonomous decision about treatment, it is important that you are competent. In principle, everyone is competent, until proven otherwise. You are incapacitated if you can no longer understand and weigh the information from the care provider, do not understand the consequences of your decision and/or cannot make a decision. This is the case, for example, with advanced dementia or a coma. There is no objective measuring instrument to determine whether someone is incapacitated or not. It must therefore be determined per decision and per situation. Capacity to make decisions depends on the context and the question being asked. For example, someone can sometimes still decide on a day out, but not on a mortgage or euthanasia. Whether or not you are incapacitated can best be determined by a healthcare provider.

You can submit a request via the My CM app , a CM mailbox or the CM contact form. You can find the conditions and application forms on www.cm.be/benefits .

On the one hand, you must be in order with your CM contribution, on the other hand, you must meet the conditions of the CM benefit. See www.cm.be/contribution and www.cm.be/benefits for more information. On My CM, you can always check whether you are in order with your payments to CM.

The 'prestatiedatum' is the date of the event that gives rise to the awarding of the CM benefit. Depending on the benefit, this is the consultation, payment or purchase date. See the conditions of all benefits at www.cm.be/benefits or ask a CM employee at www.cm.be/contact .

You have two years to request a refund of a CM benefit. This refund period starts from the 'prestatiedatum' (day on day).

Every year we evaluate and renew our services and benefits. This year you can enjoy these new and changed benefits: Custom-made earplugs : a refund of up to 30 euros per calendar year. Wound care : 20% discount when purchasing chronic wound care materials at Goed. CM baby gift : for births from 2025 onwards, every new parent can choose between: or a bonus of 170 euros, or the Dreambaby gift cards worth 180 euros, supplemented with a premium of 40 euros . Nutrition and diet advice: from the first consultation there is a reimbursement of 10 euros, with a maximum of 40 euros per calendar year. Gezond op weg met diabetes type 2: from 2025, the lifestyle program for people with diabetes will be available in physical and digital form. Sports club membership fee : the personal contribution for Bewegen Op Verwijzing is reimbursed within the CM benefit sports club membership fee. In addition, you can continue to count on many other benefits this year. Discover the full package of CM services

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.