Medical costs without hospitalization? The CM-MediKo Plan protects you!
Are you visiting a dentist, ophthalmologist, or physiotherapist? Does your child need braces, or do your glasses need replacing? Then your costs can add up. With CM-MediKo Plan, you receive reimbursement for those costs as well.
- Join from 13.04 euros per month
- Easily request your refund
- All your reimbursements clearly organized in the My CM app
More than 1.3 million people trust CM's insurance policies.
The reimbursements of the CM-MediKo Plan
How much does the CM-MediKo Plan cost ?
You can easily calculate the exact premium for you and your family online.
If you join the CM-MediKo Plan, your dependent children are insured free of charge up to and including the third calendar year after the year of their birth.
Tip: In addition to CM-MediKo Plan, also join CM-Hospitaalplan or CM-Hospitaalplan Plus and receive a discount on the premium of your hospitalization insurance. This way, you are optimally protected.
What do I need to know to join?
To join a CM insurance policy, you must be and remain affiliated with CM Flanders for the services and benefits offered and be up to date with the payment of your CM contributions.
More info?
You always insure yourself and your dependents, except in these situations:
- Your dependents are and remain covered by a similar insurance policy. In that case, only you can join.
- You are insured yourself and remain insured under a similar insurance policy. In that case, only your dependents can join.
More info?
You are entitled to refunds after a waiting period:
- three months for statutory co-payments, travel vaccines, and nutritional and dietary advice;
- six months for eye care;
- twelve months for periodontology, dental prostheses and implants, orthodontics, hearing aids and the maternity allowance.
The waiting period starts from the date of enrollment. After the waiting period, you can receive reimbursements from the CM-MediKo Plan.
Important: Treatments or costs started/incurred before or during the waiting period are not eligible.
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Our members share their experience with the CM-MediKo Plan.
I am covered by my employer's hospitalization insurance. However, it does not reimburse my medical expenses without hospitalization. I contacted CM, and they told me that I can combine any hospitalization insurance with the CM-MediKo Plan without any problems. I signed up immediately.
Karim, 37 years old
How to request a refund
Did you receive a certificate for assistance provided from your doctor or healthcare provider? Submit it to us via one of the CM mailboxes. An envelope is not necessary.
You will receive the refund directly into your bank account at four times:
- Costs for which CM paid the statutory reimbursement between January 1 and March 31 inclusive will be reimbursed in mid-June .
- Costs for which CM has paid the statutory reimbursement between 1 April and 30 June inclusive will be reimbursed at the end of August .
- Costs for which CM paid the statutory reimbursement between July 1 and September 30 inclusive will be reimbursed at the end of November .
- Costs for which CM has paid the statutory reimbursement between 1 October and 31 December inclusive will be reimbursed at the end of February of the following year.
Orthodontics
Submit the 'proof of treatment(s) performed' or ' harmonisation document ' issued by the dentist via the Mijn CM app, theCM contact form , or a CM mailbox. An envelope is not necessary. The 'receipt for eAttest' is also a valid proof.
For treatments reimbursed by health insurance, the co-payment on RIZIV services is reimbursed under the co-payment guarantee. Did you receive a certificate for services rendered? Submit it via a CM mailbox. Your orthodontist can also settle directly with CM. In both cases, the reimbursement of the co-payment will be deposited into your account. This happens quarterly.
For orthodontic treatments not reimbursed by health insurance, a treatment plan is required. This plan includes:
- The diagnosis
- The description of the treatment plan
- The equipment to be installed
- The formatting date
Have the orthodontist draw up a treatment plan and submit it. Submit this no later than together with your first costs to receive a reimbursement from the CM-MediKo Plan.
You will receive the refund directly into your account.
Periodontology
Submit the 'proof of treatment(s) performed' or ' harmonisation document ' issued by the dentist via the Mijn CM app, theCM contact form , or a CM mailbox. An envelope is not necessary. The 'receipt for eAttest' is also a valid proof.
You will receive the refund directly into your account.
If you are entitled to reimbursement by health insurance, the certificate of care provided is also required. Submit this via a CM mailbox. Your dentist or periodontist can also settle directly with CM. In both cases, the reimbursement will be deposited into your account.
Dental prostheses and implants
Submit the 'proof of treatment(s) performed' or ' harmonisation document ' issued by the dentist via the Mijn CM app, theCM contact form , or a CM mailbox. An envelope is not necessary. The 'receipt for eAttest' is also a valid proof.
You will receive the refund directly into your account.
For dental prostheses and implants eligible for reimbursement by health insurance, the Certificate of Assistance Provided is also required. Submit this via a CM mailbox. Your dentist can also settle directly with CM. In both cases, the reimbursement will be deposited into your account.
Eyeglasses or lenses
Deliver the detailed invoice from the optician, including the diopter and the amount paid, via the My CM app or a CM mailbox. An envelope is not necessary.
If there is entitlement to statutory intervention, the certificate of assistance provided or of delivery is also required, together with the prescription.
You will receive the refund directly into your account.
Intraocular lenses and outpatient surgical corrections
Send CM the detailed invoice or the application form . Fill it in, sign it, and have it signed by your doctor or other healthcare provider as well.
Submit the certificate of assistance provided or of delivery via the contact form or a CM mailbox. An envelope is not necessary.
You will receive the refund directly into your account.
- You only paid your personal contribution at the audiologist.
Your audiologist will submit the delivery certificate to CM. You may also submit the detailed invoice to CM. You will receive the reimbursement directly into your account. - You paid the full amount to the audiologist.
You will receive a certificate of delivery yourself. Submit this via a CM mailbox. You will receive the reimbursement directly into your account.
Deliver one of the following documents via the My CM app or the CM mailbox:
- The pharmacist's BVAC certificate;
- Either the detailed invoice from the hospital or vaccination center via the My CM app or the CM mailbox;
- Either the application form completed and signed by yourself and the healthcare provider via the Mijn CM app or the CM mailbox.
You will receive the refund directly into your account.
As a mother, you automatically receive the maternity allowance together with the premium or gift card you choose via the CM baby gift.
Deliver one of the following documents via the My CM app or the CM mailbox:
- a detailed invoice;
- or the application form (completed and signed by you and the RIZIV-recognized dietitian).
- Did you receive a 'certificate for assistance provided'? Deliver this via the CM mailbox.
You will receive the refund directly into your account.
A smart combination with the other insurance policies from CM
CM Hospital Plan or CM Hospital Plan Plus
Not to be missed : the exceptional benefits of CM-Hospitaalplan and CM-Hospitaalplan Plus:
- CM Hospital Plan : up to 150% of the legally established rate for fee supplements reimbursed
- CM Hospital Plan Plus : up to 200% of the legally established rate for professional fee supplements reimbursed
- Costs reimbursed before and after your hospital stay:
- With CM Hospital Plan : 2 months before to 4 months after admission
- With CM Hospital Plan Plus : 2 months before to 6 months after admission
From 4,46 en 5,66 euro per month
CM-Hospitaalfix Extra
Receive a fixed amount per recording day, handy for unexpected costs.
- 25 euros per recording day
- Short waiting time
- Can be combined with other hospitalization insurance policies
From 0,63 euro per month
CM-Tandplan
Extra financial protection for dental care without hospitalization? With CM-Tandplan dental insurance, you get:
- up to 80% reimbursed for dental care, from check-up to treatment
- up to 3,300 euros for orthodontics*
- up to 2,850 euros for dental prostheses and implants*
- Children up to and including 3 years of age insured free of charge
In combination with the CM benefit.
From 3,59 euro per month
Need help? We are here for you.
You can reach us in whatever way you feel comfortable.
Video appointment
Discuss your questions at your leisure with one of our employees, at a time that suits you.
Prefer to contact us by phone?
Would you prefer to call to discuss your questions? Then you can contact us at 02 204 32 10.
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