What should I do in the event of a change in civil status?

  • 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 by email 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 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 A comember cannot be ‘withdrawn’ from the contract before the divorce has been finalized.

 

  • Divorce or end of partnership: Simply send us a copy of the divorce certificate by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg.

    The contract will remain in effect for the primary member. If the co-member 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 by email to affiliation@cmcm.lu or by post to CMCM, L-2971 Luxembourg.

    If the primary member has died, the contract will be automatically transferred to the co-member without a waiting period or additional costs.

 

  • Young adult:
  1. If you have finished school and are no longer a co-member 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 co-member by the CMCM. Simply send us a certificate of co-insurance 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 or emailing us at 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 contract to join another 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 mutual association or insurance company.

Can I pay my annual membership fee in cash?

Premiums must be paid via bank transfer.

Do I have the right to a reimbursement even if my insurance provider refuses to cover my dental prosthesis because I’ve missed the prescribed period?

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

 

What documents do I need to submit to request reimbursement of dental costs?

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

How does the “Trip Cancellation” offer included free of charge in the basic REGIME COMMUN package work?

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.

What is CMCM Assistance?

CMCM Assistance is automatically included in the basic package, also known as the REGIME 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 €1,250 per calendar year. Any member studying or volunteering abroad can also benefit from this coverage.

What should I do if I am sent abroad for surgery?

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

Do I need to add the optional DENTA & OPTIPLUS coverage to benefit from the reimbursement of dental costs?

The basic package, known as REGIME 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.  

When can I opt for payment via direct debit?

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

What should I do if the bank account linked to my reimbursements has changed?

Please send us your new bank account details via post (CMCM, L-2971 Luxembourg) or email (comptabilite@cmcm.lu).

What should I do if the bank account linked to my direct debit has changed?

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.

What should I do if the direct debit was not executed?

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

 

Is there a price difference if I pay my premium monthly or annually via direct debit?

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

On what date does direct debit occur?

Monthly payment: on the 2nd of each month

Bi-annual payment:  2 January and 2 July

Annual payment: 2 January

Is my CMCM premium tax deductible?

Yes, it is tax deductible. All you have to do is include your annual premium in your tax declaration. You do not need to request a certificate from the CMCM.

Should I send you the estimate for a dental procedure before or after it takes place?

The CMCM doesn’t have a fixed procedure for this, but if you send us the estimate before undergoing the procedure, you will know in advance exactly how much you will be reimbursed by the CMCM.

How long does it take to be reimbursed?

The reimbursement period is approximately two weeks.

Why is it important to show my CMCM card in the event of hospitalization?

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.

How do I submit an invoice to the CMCM?

You can send us your invoices via:

You may also deliver your invoices in person at our offices at Luxembourg -Gare, 49 rue de Strasbourg.

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

What is the deadline for submitting an invoice?

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

Can reimbursements also be paid out in cash?

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

How can I cancel an optional coverage or my entire contract?

If you wish to cancel your contract 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 contract or coverage is valid for all members included on the contract in question. Please note that all contributions due need to be paid.

How can I add PRESTAPLUS or & OPTIPLUS coverage?

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.

What is the waiting period for new members?

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

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

PRESTAPLUS: 3-month waiting period

DENTA&OPTIPLUS: 9-month waiting period

Do all members included in my contract benefit from the same coverage as the primary contract holder?

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

Where can I find the name of my mutual benefit association (société de secours mutuels)?

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

Mail: Do I need to put a stamp on everything I send by post to the CMCM?

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 your need.

Offices: Do you have any offices other than those at Luxembourg-Gare?

The CMCM’s only offices are at Luxembourg-Gare, at 49 Rue de Strasbourg.

Appointments: Is it necessary to make an appointment before each visit to your offices at Luxembourg-Gare?

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

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