Health insurance for expats in Luxembourg: main types and features

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Health insurance for expats in Luxembourg: main types and features

Luxembourg's healthcare system is based on 2 principles: free choice of available services and compulsory health insurance. Having a health insurance policy allows you to use the services of medical centers, private offices, hospitals, pharmacies, patient care services, etc. Learn more about the specifics of health insurance for foreigners in Luxembourg

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Luxembourg is one of the richest countries in the world. This fact is confirmed by its excellent healthcare system. In this country, both locals and expats overwhelmingly use the services of the National Health Fund. It is financed through taxes. The state insurance policy reimburses the costs of most medical services. For additional coverage, you can use the services of private insurance companies.

Main features of health insurance in Luxembourg

Let's consider the characteristic features of the Luxembourg healthcare system that apply to both locals and expats:

1. Funding is provided by taxes;

2. All persons residing in Luxembourg are obliged to join the National Health Insurance Fund;

3. Since 2008, the Luxembourg healthcare system has been regulated by the National Health Insurance Fund (Caisse Nationale de Santé - CNS);

4. 99% of Luxembourgers are members of the Caisse Nationale de Santé (obtaining an insurance policy is automatically linked to employment);

5. All persons have the freedom to choose medical institutions and doctors;

6. Health insurance in Luxembourg works on a reimbursement basis: the patient pays for the services of a doctor, after which the CNS refunds the money spent;

7. Public insurance covers 80-100% of medical expenses.

Is health insurance mandatory for expats in Luxembourg?

According to the provisions of the current legislation, all persons staying in Luxembourg for more than 90 days are obliged to obtain health insurance from the National Health Insurance Fund (Caisse Nationale de Santé - CNS). Expats also often use the services of private insurance companies to obtain additional services.

12% of employees' salaries are allocated to cover insurance premiums. Employers also pay 12-15% of this amount. These funds cover the cost of medical care for the employee. A visit to the doctor for uninsured persons in Luxembourg will cost from 50 euros.

The procedure for obtaining health insurance for foreigners in Luxembourg

Citizens of other countries need to follow a certain algorithm of actions to obtain health insurance in Luxembourg. First, you need to register with the Caisse Nationale de Santé - CNS. Then, the employer will register the employee with the Joint Social Security Center (Centre commun de la sécurité sociale - CCSS). 

After that, you can use your insurance policy. To receive medical care, you can go to any medical institution in Luxembourg. You just need to provide your health insurance number, pay for the services and wait for reimbursement.

Available services under public health insurance in Luxembourg

The Caisse Nationale de Santé reimburses from 80% to 100% of medical expenses if you have an insurance policy and the following medical services

1. Treatment and hospital stays;

2. Payment for the services of private doctors;

3. Preventive care;

4. Purchase of medicines;

5. Dental services;

6. Ophthalmic services, purchase of glasses, lenses, etc;

7. Prosthetics; 

8. General rehabilitation;

9. Physiotherapy.

10. Pregnancy management and childbirth.

Private health insurance in Luxembourg

Private health insurance in Luxembourg has only a supplementary function. It can be used to fill in the gaps that are not covered by the Caisse Nationale de Santé (daily payment for inpatient treatment, stay in superior rooms, etc.) Expats use the services of private insurance companies to obtain an additional level of protection.

Sometimes, employers in Luxembourg cooperate with a specific insurance company to provide their employees with additional insurance. If possible, discuss this point with the company's management.

Health insurance for students in Luxembourg

For international students to study in Luxembourg, it is mandatory to have valid health insurance. To obtain a student card and complete the admission procedure, health insurance is required in accordance with the rules and regulations of the Schengen area.

After completing the admission procedure and moving to Luxembourg, you need to register with the National Health Insurance Fund (CNS). To do this, contact the university representatives to request an affiliation.





Daria Rogova, Head of Insurance at Visit World


To move, travel or work safely in a new country, you will need health insurance. You can apply for an extended policy on our website here.




Products from Visit World for a comfortable trip:


Checklist for obtaining a visa and necessary documents in Luxembourg;

Legal advice on immigration to Luxembourg;

Travel insurance for foreigners in Luxembourg;

Medical insurance all over the world.




More articles on the topic:

What kind of work in Luxembourg is in the greatest demand among foreigners?

How to move to Luxembourg for foreigners: useful tips for expats.

Higher education in Luxembourg: peculiarities of the admission procedure for foreign students.

Is it easy for foreigners to find a job in Luxembourg?


Cost of living in Luxembourg: rent, utilities, food and entertainment.

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