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Using The Healthcare System In Luxembourg – A Short Guide For Expats

Luxembourg has one of the best healthcare systems in the European region. The state-funded system, overseen by the country’s Caisse de Maladie, adheres to high standards and provides basic medical coverage to all citizens. Private healthcare is also available in Luxembourg and citizens can select their own doctors, specialists and hospital. New expats may find it difficult to navigate the healthcare system of a different country, but this is an important practice for those who will be staying in Luxembourg in the long term. Here is a short guide that highlights the main points of the healthcare system in Luxembourg.The state-funded healthcare system
In Luxembourg, all citizens are covered for free basic healthcare. The taxes used to fund the healthcare system are derived from the pay of employed citizens and employees. These contributions have a cap of EUR 6,625. The employer and employees each pay half of the amount. Self-employed citizens must pay the whole amount on their own, however this amount varies depending on the type of profession. The healthcare contributions made by employed individuals also cover their dependent family members.

Foreigners who reside in Luxembourg but who are not employed, such as retirees, need to show evidence of health insurance in order to acquire a residence permit. Those who are eligible for ‘non-resident’ tax status may not be required to make healthcare contributions and these individuals are likely to be covered by their employer’s healthcare insurance scheme.

Payments
The healthcare system in Luxembourg works on the basis of reimbursements. The Caisse de Maladie specifies all types of medical fees and individuals can submit their receipts for doctors’ consultations, treatments and medications and receive reimbursement. While one can receive 100 percent reimbursement for nearly all doctors’ visits, the rates may be different for other medical services. In the case of prescription medicines, the reimbursement is usually around 78 percent. There can be reimbursements for dental treatments, provided the dentist is registered with the Caisse de Maladie. Reimbursements may also be provided for emergency treatment received in a neighboring country.

Private health insurance
It is a common practice to obtain supplementary insurance from any of the non-profit health insurance agencies or associations affiliated to Luxembourg’s Ministry of Social Security. Employers also offer supplementary health cover to their employees as an employment benefit. In such cases, individuals can receive the portion of medical fees that is not covered by the state-funded health insurance. Private health insurance also offers coverage for other medical services such as eye care, hospitalization and treatment outside the country.

Doctors
If you are covered by the state-funded healthcare system, you are free to choose any doctor provided he or she has a contract with the state scheme. General physicians in Luxembourg tend to have different working hours compared to doctors in other countries. They remain closed on Wednesday afternoons. They are available on an appointment basis or may hold ‘walk-in’ surgeries, or both in some cases. These ‘walk-in’ surgeries usually have long waiting lines. Doctors do make themselves available for house calls, but these are done only during fixed times of the day.

Hospitals
All hospitals in Luxembourg are public hospitals, run by the Caisse de Maladie. There are no private hospitals. Admission to hospitals is done on the basis of doctor referrals, in the case of a non-emergency. Patients are required to bring their own personal items such as clothing, robe, slippers, toiletries and towels. Telephone calls, television channels and bottled water are all charged as they are provided by private services within the hospitals.


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Emergency services
112 is the medical emergency number in Luxembourg. The emergency departments in the bigger hospitals carry out this emergency care. Even those without medical insurance are provided with emergency care. Not all hospitals are equipped with emergency services, and emergency care outside of working hours is rotated among hospitals within the area. This schedule is available at doctors’ offices and pharmacies, and is also published in newspapers.

Pharmacies
You will be charged full price for non-prescription drugs if you purchase them directly from a pharmacy. If your doctor prescribes the same medicine, you will receive at least partial reimbursement from your insurer. There may be an extra charge for medicines purchased during the off-hours of a pharmacy.


Latest Videos

In this short video, we dive into the significant health care updates and changes happening globally in 2024. From Germany's insurance cost adjustments to Cyprus's renewed COVID-19 precautions, we cover the essential news you need to know.  Germany's Health Insurance Update:  Starting in 2024, residents in Germany will see a slight increase in their health insurance costs, with a 0.1% rise to a maximum of 1.7%. This adjustment aims to expand coverage for medical care not currently included in statutory health insurance, such as select dental treatments, IVF, and early cancer screenings.  COVID-19 Measures Reintroduced in Cyprus:  With over 3000 new COVID-19 cases, Cyprus is stepping up its game by reintroducing health measures. Requirements now include proof of a negative COVID-19 test for entry into various facilities, emphasizing the importance of vaccination, especially for the elderly, to combat the evolving virus strains.  Free Health Trials in Trieste, Italy:  Trieste launches an initiative for free health screenings, including echocardiograms and blood tests, focusing on preventive care against non-communicable diseases. This move underscores the city's commitment to improving public health through early detection and prevention.  Spain's New Health Advice App:  Madrid introduces a groundbreaking app offering reliable health advice to counteract the widespread misinformation online. This app, part of the 'Madrid Te Cuida' initiative, will guide users to accurate information, from diet tips to medical queries, ensuring the advice is vetted by health professionals.  Expat Satisfaction with Healthcare in Mexico:  A study reveals that expat retirees in Mexico are largely content with the healthcare quality and costs, with many citing significant savings compared to the United States without compromising on care quality. This insight sheds light on the growing trend of healthcare tourism and relocation for medical reasons.  Stay tuned as we unpack these updates, providing you with the insights and implications of these healthcare changes. Whether it's the impact on your wallet or the quality of care you can expect, we've got you covered in this comprehensive overview of health care in 2024. Don't forget to like, share, and subscribe for more health news around the globe!

In this short video, we dive into the significant health care updates and changes happening globally in 2024. From Germany's insurance cost adjustments to Cyprus's renewed COVID-19 precautions, we cover the essential news you need to know.

Germany's Health Insurance Update:

Starting in 2024, residents in Germany will see a slight increase in their health insurance costs, with a 0.1% rise to a maximum of 1.7%. This adjustment aims to expand coverage for medical care not currently included in statutory health insurance, such as select dental treatments, IVF, and early cancer screenings.

COVID-19 Measures Reintroduced in Cyprus:

With over 3000 new COVID-19 cases, Cyprus is stepping up its game by reintroducing health measures. Requirements now include proof of a negative COVID-19 test for entry into various facilities, emphasizing the importance of vaccination, especially for the elderly, to combat the evolving virus strains.

Free Health Trials in Trieste, Italy:

Trieste launches an initiative for free health screenings, including echocardiograms and blood tests, focusing on preventive care against non-communicable diseases. This move underscores the city's commitment to improving public health through early detection and prevention.

Spain's New Health Advice App:

Madrid introduces a groundbreaking app offering reliable health advice to counteract the widespread misinformation online. This app, part of the 'Madrid Te Cuida' initiative, will guide users to accurate information, from diet tips to medical queries, ensuring the advice is vetted by health professionals.

Expat Satisfaction with Healthcare in Mexico:

A study reveals that expat retirees in Mexico are largely content with the healthcare quality and costs, with many citing significant savings compared to the United States without compromising on care quality. This insight sheds light on the growing trend of healthcare tourism and relocation for medical reasons.

Stay tuned as we unpack these updates, providing you with the insights and implications of these healthcare changes. Whether it's the impact on your wallet or the quality of care you can expect, we've got you covered in this comprehensive overview of health care in 2024. Don't forget to like, share, and subscribe for more health news around the globe!

YouTube Video UCB21b-C4O2aXm7H18_GsXMQ_nC_Fs6gU22U

Expat Focus International Healthcare Update January 2024

Expat Focus 31 January 2024 10:36 am

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