Health insurance
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2 min
What is the Christelijke Mutualiteit (CM)?
Christelijke Mutualiteit (CM) is a health insurance fund whose core mission, like other Belgian mutual health insurance funds, is to arrange statutory reimbursements for medical expenses for its members. CM also offers its members a range of supplementary health benefits. Besides these member benefits, members can also access hospitalisation insurance through CM.
CM health insurance fund
Christelijke Mutualiteit (CM) is one of the largest health insurance funds in Belgium, founded in the late 19th century through Christian-inspired solidarity initiatives. CM has grown into a national organization with the goal of making affordable healthcare and social protection accessible to everyone.
Today, CM, together with Mutualité Chrétienne (MC), supports 4.6 million members nationwide with statutory reimbursement of medical expenses and applications for benefits such as disability and maternity leave. In Flanders, CM has approximately 3.5 million members, while its French-speaking counterpart, the Mutualité Chrétienne (MC), currently has just over 1.1 million members.
Member Benefits
In addition to organising statutory health insurance, CM offers a wide range of additional member benefits, with the focus today on benefits for young parents (CM growth budget), mental health and reimbursements for dental care (orthodontics).
Insurance
CM also offers its members optional hospitalisation insurance plans: CM-Hospitaalplan and CM-Hospitaalplan Plus, which provide financial protection against medical expenses in the event of a hospital stay. CM's offering also includes the CM-MediKo Plan, a supplementary insurance plan for care outside the hospital, to mitigate the costs of medical services and equipment.
CM focuses on proximity through local offices, online tools and volunteers. The organization is built on its values of trust, respect, solidarity, sustainability, and courage, and prioritizes the health of everyone, regardless of background or income.
Online
You can find CM's online dashboard in "My CM." Its features include:
- An overview of payments and refunds
- Applying for CM benefits
- Consulting the European Health Insurance Card
- Requesting yellow stickers
- Communications with the health insurance fund regarding pregnancy and childbirth, disability, hospitalization, etc.
- Adjusting personal data and preferences
