Reimbursements

Our myCMCM app is the fastest way to submit and track your reimbursement requests.

Under normal circumstances, the average processing and reimbursement time for your requests is approximately two weeks.

Please find below the current processing times by department, updated weekly:

National Department

For hospital invoices, medical costs, medication purchased in Luxembourg, preventive healthcare costs, as well as invoices for glasses and contact lenses.

Processing time by post: 7 week(s)
Processing time via the myCMCM app: 5 week(s)

Foreign Department

For all hospital invoices incurred abroad.

Processing time by post: 2 week(s)
Processing time via the myCMCM app: 1 week(s)

Dental Department

For all dental invoices incurred in Luxembourg.

Processing time by post: 2 week(s)
Processing time via the myCMCM app: 2 week(s)

For all dental invoices incurred abroad.

Processing time by post: 3 week(s)
Processing time via the myCMCM app: 2 week(s)

By presenting your membership card upon admission to hospital, you automatically benefit from the third-party payment system, meaning that CMCM directly covers the hospitalisation costs covered under its statutes.

There are several ways to send us your invoices and reimbursement requests.
 

Via our mobile app

The quickest and easiest way is to submit your documents directly via our myCMCM app

 myCMCM

By post

You can send your invoices to the following address:

CMCM
L-2971 Luxembourg

By hand delivery

You may also submit your documents directly at our offices in Luxembourg-Gare. You may also hand them to our CMCM on Tour team, which attends various events throughout the country during the year.

CMCM on Tour agenda

By e-mail

Depending on the nature of your request, you can send your invoices to the relevant e-mail address:

• national@cmcm.lu
• etranger@cmcm.lu
• dentaire@cmcm.lu

Please note that health insurance funds (e.g. CNS) do not forward your invoices to us.

Reimbursements are not paid in cash, but are transferred directly to your bank account or postal giro account.

Please send us a certificate of banking details via our myCMCM app, by e-mail to comptabilite@cmcm.lu, or by post to: CMCM – L-2971 Luxembourg.

The travel cancellation coverage applies in the following cases:

Illness / Hospitalisation / Accident / Death
 

DOCUMENTS TO BE PROVIDED

In the event of a medical incident (illness, accident or hospitalisation):

• Original invoices for travel or cancellation costs
• Proof of partial reimbursement or refusal of reimbursement issued by the travel provider(s) (tour operator, airline, hotel, etc.)

In the event of death:

• Death certificate
• Original invoices for travel or cancellation costs
• Proof of partial reimbursement or refusal of reimbursement issued by the travel provider(s) (tour operator, airline, hotel, etc.)

You can download the form below

Certain benefits may vary depending on your country of residence.

CMCM-Assistance, which is included in the basic coverage RÉGIME COMMUN, provides 24/7 medical assistance in the event of sudden illness or an accident occurring during a stay abroad. However, this benefit is reserved for members residing in Luxembourg or in a bordering country.

If you reside abroad outside this area, CMCM-Assistance no longer applies.

All other CMCM benefits remain available, based on the official tariff set out in the nomenclature of medical acts in force in the Grand Duchy of Luxembourg.

Yes, you are entitled to reimbursement even in this situation.

We require copies of the invoice and the reimbursement statement issued by your health insurance fund. For dental implants, X-rays must also be provided.

If you submit your request via myCMCM, the app will guide you step by step through the process and indicate which documents are required. This allows you to submit your request easily and ensures that your file is complete before it is sent.

myCMCM

The basic coverage, known as the RÉGIME COMMUN, already covers a number of dental costs. However, with the optional coverage DENTA & OPTIPLUS, you benefit from enhanced reimbursement, not only for dental costs but also for costs related, for example, to the purchase of glasses, contact lenses or refractive surgery.

No, submitting a dental quote before the start of treatment is not mandatory. However, if you would like to know the reimbursable amount, you may send us a copy of the dental quote approved or refused by your health insurance fund.

In this case, please provide us with the referral request from your doctor and the authorisation issued by your health insurance fund (S2 form).

CMCM-Assistance is automatically included in the basic coverage known as the RÉGIME COMMUN. It provides 24/7 assistance available in the event of sudden illness or accident during a temporary stay abroad.

The assistance includes, in particular:

• unlimited medically supervised transport and repatriation;
• coverage of hospitalisation and medical costs up to €100,000 per member and per incident.

It also extends to outpatient treatment not involving surgery. After the health insurance fund has contributed, CMCM covers the remaining balance of medical, associated healthcare and medico-dental costs up to a maximum of €2,500 per member per calendar year.

Members who are studying or undertaking voluntary work abroad may also benefit from this assistance.