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Luxembourg – Health Insurance

As an expat living in Luxembourg, it is important to understand the country’s health insurance requirements and options available. In this article, we will explore the health insurance requirements in Luxembourg, the state health insurance system, how to apply for it, and the advantages of international private medical insurance.

Health Insurance Requirements in Luxembourg

Health insurance is mandatory for residents of Luxembourg. All residents, including expats, are required to have health insurance coverage.

State Health Insurance System in Luxembourg

Luxembourg has a state health insurance system, called the National Health Fund (CNS). The CNS provides healthcare coverage to all residents of Luxembourg, including expats.

What does it cover?

The CNS system covers a range of healthcare services, including doctor visits, hospitalization, diagnostic tests, surgical procedures, prescription drugs, and maternity care. The system also covers some preventive care services, including vaccinations.

How to Apply for National Health Fund (CNS) Coverage

Expats can apply for CNS coverage by following these steps:


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  1. Obtain a residence permit: Expats must obtain a residence permit in Luxembourg.

  2. Register with CNS: Expats must register with the CNS by completing an application form and providing their residence permit and identification documents.

  3. Pay premiums: CNS premiums are deducted from the expat’s salary each month.

Advantages of Private Insurance

While the CNS system in Luxembourg offers comprehensive healthcare coverage to all residents, expats may consider purchasing international private medical insurance for several reasons:

Coverage for medical treatment outside of Luxembourg

International private medical insurance can provide coverage for medical treatment outside of Luxembourg, which may be necessary for expats who travel frequently or have medical conditions that require treatment outside of the country.

More comprehensive coverage

International private medical insurance can offer more comprehensive coverage than the CNS system, including coverage for elective procedures, alternative therapies, and treatments not covered by the CNS system.

Access to private healthcare facilities

International private medical insurance can provide access to private healthcare facilities, which may offer shorter wait times and more personalized care.

English-speaking assistance

Many international private medical insurance providers offer English-speaking assistance, which can be helpful for expats who are not fluent in French or German, the official languages of Luxembourg.

Health insurance is mandatory for residents of Luxembourg, including expats. The National Health Fund (CNS) system in Luxembourg provides healthcare coverage to all residents, but expats may consider purchasing international private medical insurance for additional coverage and benefits. Expats living in Luxembourg should research insurance providers and compare plans to find the one that best meets their needs.


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