CM-Zorgkas
Keeping healthcare affordable for everyone. That's the mission of CM-Zorgkas.
What does CM-Zorgkas do?
CM-Zorgkas provides Flemish social protection . This consists of:
- the care budget for people with severe care needs ;
- the care budget for the elderly in need of care ;
- the care budget for people with disabilities ;
- a refund for the rental or purchase of a mobility aid ;
- a reimbursement for care in a residential care center, short-stay center or day care center .
If you're entitled to a care budget , CM-Zorgkas will ensure you receive it. But that's not all.
CM Care Fund:
- checks your rights and ensures that you receive them automatically where possible;
- pays out the health care budgets;
- provides guidance and gives advice ;
- Pays out all healthcare budgets you're entitled to, all to the same account number . (You don't have to pay taxes on these healthcare budgets.)
Reimbursements are paid through a third-party payment system . Your health insurance fund pays them directly to the provider of the mobility aid or the relevant facility.
Who can or should join?
That depends on your age, place of residence and employment situation.
If you live in Flanders, you are obliged to join a health insurance fund from the year you turn 26 .
- As a CM member, it is best to join CM-Zorgkas.
- You do this by paying the health insurance premium.
- Your first and second health insurance premiums must be in your CM-Zorgkas account before the end of the year in which you turn 27.
Even if you move to Flanders as a person aged 25 or over, you must join a health insurance fund.
After joining, you must pay your health insurance premium to your health insurance fund by April 30th each year. CM-Zorgkas will send you a payment request in due time.
If you are under 26 , you do not have to pay health insurance premiums. If your need for care is recognized, you are eligible for care budgets.
- As a CM member, it is best to join CM-Zorgkas.
- You do this by paying the health insurance premium.
- Your first and second contributions must be in the CM-Zorgkas account before the end of the year in which you turn 27.
Even if you move to Brussels as a person aged 25 or over, you can choose to join a health insurance fund.
After joining, you must pay your health insurance premium to your health insurance fund by April 30th each year. CM-Zorgkas will send you a payment request in due time.
If you are under 26 , you do not have to pay health insurance premiums. You are, however, eligible for care budgets if you become dependent on care.
What if you don't join?
You chose not to join a health insurance fund. But you become dependent on care and want to use Flemish social security? Then you're only eligible for a care budget after you've been affiliated continuously for five years .
You work in another country of the European Union, Iceland, Liechtenstein, Norway or Switzerland.
- You are socially insured in the country where you work, not in Belgium .
- If you live in Flanders or Brussels, you can choose whether or not to join a health insurance fund.
- This also applies to your dependents .
You work or have worked in Flanders , but you live in another country of the European Union, Iceland, Liechtenstein, Norway or Switzerland.
- You are socially insured in Belgium through your employment.
- You are required to join a health insurance fund, according to the same rules as residents of Flanders (see above under 'You live in Flanders').
- This also applies to your dependents over the age of 25.
You work or have worked in Brussels , but you live in another country of the European Union, Iceland, Liechtenstein, Norway or Switzerland.
- You are socially insured in Belgium through your employment.
- You can choose to join a health insurance fund, according to the same rules as residents of Brussels .
- This also applies to your dependents over the age of 25.
- You are a staff member or retired staff member of a particular international institution .
- Through an international treaty or protocol, you are affiliated with the institution's social security system. You are not covered by Belgian social security . If you choose Belgian social security, you can choose whether or not to join a health insurance fund.
- Even if you live in Flanders or Brussels, you cannot join a health insurance fund.
- This also applies to your dependents .
- You are a student or researcher from outside the EU and you have a temporary residence permit.
- Anyone who is not a CM member cannot join CM-Zorgkas.
Want to join CM-Zorgkas?
If you want to join CM-Zorgkas, you must be a CM member.
- Are you required to join? As a CM member, CM-Zorgkas will send you a payment request.
- If you're not obligated to join, but would like to volunteer, please contact one of our staff members via the contact form .
- By paying the health insurance premium, you are immediately connected .
- From the year after you join, you can also pay your health insurance premium by direct debit .
Are you affiliated with another health insurance fund and do you want to switch to CM-Zorgkas?
- Complete this change form , sign it and return it to CM before December 2nd.
- CM ensures you're connected to CM-Zorgkas at no additional cost . You can join the plan starting January 1st of the following year.
Are you under 26? Then you can join CM-Zorgkas earlier if:
- you want to apply for a care budget or mobility aid;
- you are staying in a rehabilitation hospital or rehabilitation facility.
How do you connect?
- Complete this registration form , sign it and return it to CM .
- CM-Zorgkas will arrange the connection as quickly as possible
To qualify for the reduced health insurance premium, you must meet one condition.
- On January 1 of the previous year, you were entitled to the increased allowance .
You are required to be affiliated with CM-Zorgkas. If you don't pay your health insurance premium, CM-Zorgkas must report this to the Flemish government. If you don't join, you won't be able to apply for a care budget if you're eligible.
If you fail to pay your health insurance premium twice (not necessarily consecutively) or pay it in full, CM-Zorgkas will send you a registered letter . This gives you the opportunity to pay the outstanding premiums.
- If you pay your outstanding health insurance premiums before October 5th, you will not receive a fine from the Flemish Social Protection Agency.
- If you fail to do so, the Flemish Social Protection Agency will impose a €250 fine . For those who were entitled to the increased allowance on January 1st of the year before the fine, the fine is €100. You will also still have to pay any healthcare premiums due.
You are voluntarily affiliated with CM-Zorgkas. If you fail to pay your health insurance premium twice , or pay it in full, your membership will be canceled .
If you are in a collective debt settlement or personal bankruptcy , you do not have to pay the annual health insurance premium.
Do you think you qualify? Please contact CM-Zorgkas to prove this.
If you receive an administrative fine from the Flemish Social Protection Agency, you can file an appeal. More information is available on the Flemish Social Protection Agency website .
- Request a direct debit . Not registered with My CM yet? No problem. On the My CM home screen, you can register once with your eID or the itsme app. This will give you access to your personal online file.
- Then click on ' Health premium direct debit ' in the 'Health' block.
- You will receive confirmation of your direct debit by email.
- If you request direct debit before mid-January of the current year, it will already be valid for the next health insurance premium payment .
- If you register your application after mid-January of the current year, the direct debit will be activated for payment of your health insurance premium starting the following year.
- During the online application you will receive the exact year from which your direct debit will take effect.
- Any outstanding health insurance premiums cannot be paid by direct debit and must be transferred using the corresponding structured payment method.
Good to know
- With direct debit, the health insurance premium is debited from your account around March 1st each year.
- This direct debit applies to Flemish social security. It does not apply to the CM contribution or the premium for CM insurance. You can request a separate direct debit for these payments via the contact form .
- The payment of the health insurance premium cannot be spread over several interim payments.
- If you provide an incorrect or invalid account number (e.g. savings account), your health insurance premium payment cannot be processed and you will receive a reminder letter.
- The direct debit can be stopped at any time via your personal 'My CM' account .
A question for CM-Zorgkas?
Below you'll find answers to some frequently asked questions. If you can't find the answer you're looking for, please contact us:
If you paid your health insurance premium with an incorrect structured payment information or forgot to include it, CM-Zorgkas will take the necessary steps to correctly allocate the payment. You do not need to contact CM-Zorgkas in this case.
If you receive a healthcare budget, CM-Zorgkas will automatically deduct the healthcare premium from your April payment. CM-Zorgkas will inform you of this. In this case, you will not receive a payment request.
The condition for qualifying for the reduced health insurance premium of 35 euros is that you had the increased allowance on January 1, 2025.