FAQ

If the invoices are less than two years old and meet all the conditions of our statutes, you are entitled to a refund.

Please click here to download the information sheet.

You can download the CMCM mobile app free of charge, via the App Store or Google Play:

Or simply scan this QR Code:

Note: For Android phones, version 8.0 and up is supported.

Thanks to the CMCM app, you no longer have to send us your invoices by post or email, but can now do so conveniently, directly and securely via your smartphone using a photo upload. This also applies to other requests and certificates.

In addition, you also have an overview of the reimbursements already made, as well as the claims submitted and processed.

A further advantage is the access to the list of pharmacies on duty and the possibility to contact the CMCM directly in case of emergencies abroad.

Trip cancellation applies under the following conditions:

Sickness / hospitalization / accident / death

DOCUMENTS TO BE SUBMITTED:

In the event of a medical incident (sickness, accident, hospitalization):

• Original invoices for travel or trip cancellation costs
• Declaration of partial reimbursement or refusal of reimbursement from travel providers (tour operator, airlines, hotels, etc.)

In the event of death:

• Death certificate
• Original invoices for travel or trip cancellation costs
• Declaration of partial reimbursement or refusal of reimbursement from travel providers (tour operator, airlines, hotels, etc.)

You can download the form here.

• Marriage or partnership (PACS): In this case, all you need to do is send us a copy of the marriage or partnership certificate (PACS) either via the CMCM app, by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg. 
  
  Partners of CMCM members will receive the same benefits as the primary member at no extra cost starting at the date of marriage or PACS.

• Birth: In this case, simply send us a copy of the birth certificate either via the CMCM app, by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg. 
  
  The new member will receive the same benefits as the primary member at no extra cost starting at the date of birth.

• Separation: As long as divorce has not been finalized, the member will remain covered. A comember cannot be ‘withdrawn’ from the membership before the divorce has been finalized.

• Divorce or end of partnership: Simply send us a copy of the divorce certificate either via the CMCM app, by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg.
  
  The membership will remain in effect for the primary member. If the comember wishes to remain a member of the CMCM, he or she has 12 months to renew membership with no waiting period and at a favourable rate. Please note that during that period, he or she will not be covered by CMCM.

• Death: Simply send us a copy of the death certificate either via the CMCM app, by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg. 
  
  If the primary member has died, the membership will be automatically transferred to the comember without a waiting period or additional costs.

• Young adult:

1. If you have finished school and are no longer a comember on your parents’ health insurance and have been a member of the CMCM for at least 12 months, there is no waiting period. As a young, unmarried person under the age of 30, you will benefit from a 10% discount on your premium.
    
2. If you have finished school and are still covered by your parents’ health insurance, you will be covered as a comember by the CMCM. Simply send us a certificate of coinsurance from your health insurance provider (for example, CNS).

• Loss of membership card: You can request a new card by calling us at +352 49 94 45 300, via the CMCM app, by email to affiliation@cmcm.lu. Please indicate your full name, address, phone number and, if possible, your CMCM number.

• Membership reinstatement:
  
  If you have cancelled your CMCM membership to join another health mutual or private insurance in Luxembourg or abroad (in the event of relocation), you can reinstate your membership at CMCM—with NO waiting period—if you are in possession of a certificate demonstrating your membership at a competing health mutual or insurance company.

No, premiums must be paid via bank transfer.

Yes, you have a right to reimbursement even in this case.

We need a copy of the invoice and a declaration of the amount covered by your health insurance.

CMCM Assistance is automatically included in the basic package, also known as the RÉGIME COMMUN. It provides assistance 24/7, 7/7 in the event of sudden illness or accident while travelling abroad. CMCM Assistance includes coverage for medical transportation and unrestricted repatriation, costs of hospitalization and medical fees up to €100,000 per member per incident. Since early 2018, it also includes coverage of trip cancellation costs.

CMCM Assistance also includes non-surgical outpatient treatment, in which case the CMCM takes responsibility for any medical costs, associated costs, and medical-dental costs that are left uncovered after the participation of the health insurance provider up to a maximum amount of €2,500 per calendar year. Any member studying or volunteering abroad can also benefit from this coverage.

In this case, you will need to present a transfer request from a doctor and authorization from your insurance provider (form S2).

The basic package, known as RÉGIME COMMUN, already covers a certain number of dental costs, but with the optional DENTA & OPTIPLUS coverage, you will benefit from even better coverage of your dental costs and optical costs associated with, for example, the purchase of glasses, contact lenses and even refractive eye surgery.  

You can opt for this mode of payment at any time.

Please send us a bank statement either through the CMCM app, by email to comptabilite@cmcm.lu or by post to CMCM, 32-34, rue de Hollerich, L-1740 Luxembourg-Gare.

If your bank account has changed, please submit a new authorization form. You can download this form here.

Please send us the new direct debit form per post at CMCM, L-2971 Luxembourg.

If the direct debit was not executed, please call us at +352 49 94 45 400, and together we'll find a solution.

No, the method of payment has no influence on the amount of the membership fee. The amount remains unchanged.

Monthly payment: on the 2nd of each month

Bi-annual payment:  2 January and 2 July

Annual payment: 2 January

Yes, it is tax-deductible. All you have to do is include your annual premium fee in your tax declaration. You no longer need to apply for a certificate from the CMCM.

No, it is not obligatory to send a quote before the treatment begins. However, if you want to know the amount that will be reimbursed, you can always send us a quote that has been approved or rejected by your health insurance fund.

The reimbursement period is normally around 2 weeks.

Please have a look at the current reimbursement periods per service. They will be updated weekly:

 National Department:

1. This concerns your hospital, medical and medication fees inside Luxembourg as well as those linked to preventive medicine.

Reimbursement period : 1 weeks

2. This concerns your fees linked to corrective lenses, frames and lenses.

Reimbursement period : 1 weeks

Foreign Department:

This concerns all your hospital fees abroad.

Reimbursement period: 2 weeks

 Dental Department: 

1. This concerns all your dental care fees inside Luxembourg.

Reimbursement period : 4 weeks

2. This concerns all your dental care fees abroad.

Reimbursement period : 4 weeks

By showing your membership card upon admission to the hospital, you will automatically benefit from third-party payment, in other words, the CMCM will take direct responsibility for the hospitalization costs that are covered in the CMCM package.

You can send us your invoices via:

• via CMCM APP
• email: national@cmcm.lu
• post: CMCM, L-2971 Luxembourg

You may also deliver your invoices in person at our offices at Luxembourg-Gare, 32-34, rue de Hollerich.

Note that insurance companies (e.g. CNS) will NOT send your invoices to us!

Invoices must be received by the CMCM within two years of being paid. After two years, reimbursement is no longer possible.

Reimbursements cannot be paid out in cash, but will be transferred directly to your bank account or postal current account.

If you wish to cancel your membership or your PRESTAPLUS or DENTA & OPTIPLUS coverage, you must notify us by registered post before December 31st of the current year.

The cancellation of a membership or coverage is valid for all members included on the membership in question. Please note that all contributions due need to be paid.

You can add coverage to your plan online or download the form here and send it back to us completed with your signature. Also, please don’t hesitate to stop by our office.

You can benefit from CMCM services after the specific waiting period has passed. The waiting period varies depending on your plan:

RÉGIME COMMUN: 3-months, except for CMCM Assistance for which there is NO waiting period.

PRESTAPLUS: 3-month waiting period

DENTA & OPTIPLUS: 3-month waiting period

Yes, all members included in your membership benefit from the same coverage as the primary membership holder at no extra charge.

You can call us at +352 49 94 45 300 or email us to affiliation@cmcm.lu with your question and CMCM identification number or your national insurance number.

Yes, but you can also send your letters and documents via email. Please have a look here, to find the email address that fits best you need.

The CMCM’s only offices are at Luxembourg-Gare, at 32-34 Rue de Hollerich.

No, you don’t have to schedule an appointment. 

We are open Mon-Fri 8:45–11:45 & 13:00–17:00