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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.


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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