If you are living and working in Luxembourg, you are in safe hands. As a registered resident of Luxembourg, you are entitled to the best healthcare services in Europe and the majority of healthcare essentials are covered by the public health insurance system.
Caisse Nationale de Santé
In Luxembourg, the national health fund, referred to as Caisse Nationale de Santé (CNS), will take care of your healthcare benefits. As a registered resident of Luxembourg you are automatically eligible for the claims and payments covered by this national insurance system. Here is how you contribute to the CNS fund:
- If you are a salaried employee, both you and your employer contribute equally to the national health insurance scheme. Part of your basic pay, which is 2.8%, is deducted from your monthly salary towards the health insurance.
- If you are self-employed, based on your profession and as per the guidelines of the government, you pay most of the insurance tax by yourself. The Centre Commun de la Sécurité Sociale (CCSS) can help you in this regard.
- If you are a dependent (parent, spouse, children, sibling, guest) staying in Luxembourg with your family member who is either a salaried employee or self-employed contributing to the CNS fund, you are usually able to benefit from the national health insurance system.
- If you are a student studying in Luxembourg, the university pays for your social security in most cases. Students and unemployed youngsters above 30 years may apply for continued health insurance.
Whether you are an EU or a non-EU citizen, Luxembourg has the same privileges regarding health care. A social security card issued by the CNS will be your proof of health insurance within Luxembourg and other EU countries. Senior citizens coming to live in Luxembourg after retirement must produce proof of health insurance in order to obtain a residence permit.
Social Security Card
Applying for a social security card in Luxembourg is a fairly simple process. After registering at the CCSS for a residence permit, you will be eligible for a social security card. The CCSS will send you an application form requesting your personal details together with information about your family members and dependents. You need to fill out this form and then submit it back to the commune. Once they have received this information, each entitled individual will be sent a social security card to the residential address.
Usually, your Luxembourg employer will take care of this process so first check with your employer. Otherwise, you may register or renew your social security card at the CNS bureau (Caisse Nationale de Santé, 125, route d’Esch L-1471 Luxembourg) or apply online.
To apply for your Social Security card, you need:
- Valid identity
- Proof of employment
- Certificate of Entitlement
- Proof of residency
It generally takes 3 weeks to receive your card. On your card, you will find a matricule number (your unique social security number) plus your basic information: family name, first name and date of birth. Always remember to carry this card on your medical visits and make sure that your matricule number is printed on all the medical bills and prescriptions. If you have to run up medical expenses before you get the card, your doctor can obtain the number or you may ask the CNS for your matricule number.
The Luxembourg social security card is valid for most sickness and maternity consultations, including dentistry and eye care, in the country. However, you may also use it in other EU countries during travel or in cases of emergency.
Coverage and Claims
Nearly every illness will be covered by the Caisse Nationale de Santé. You can claim expenses spent on doctor consultations, emergencies, medicines, treatment, recovery and more. These benefits are applicable for family members and dependents too. But make sure you ensure your medical or dental visits are with a contracted doctor or dentist in order to be eligible to claim the costs.
The Luxembourg state comprehensive healthcare system will cover the following services:
- Consultations with General Practitioner or Specialist
- Pregnancy and Child Birth
- Hospitalisation, Treatment and Surgeries
- Dental and Orthodontic Consultations and Treatment
- Laboratory Analyses and Blood Tests
- Medicines and Prescriptions
- Medical and Therapeutic Assistance (Nursing, Massage, Physiotherapy)
- Recovery Costs
- Eye care and Visual Aids (Spectacles, Contact Lenses)
- Emergency and Accidents
- Ambulance and Transport Expenses in case of Emergency
- Bandages, Accessories and other Appliances
In the case of employees; you should notify your employer of any sickness or of an accident on the same day you became ill or injured. If you are unable to report to work for more than three days, you should consult a doctor and obtain a medical certificate stating your illness. Make sure your medical certificate includes the beginning and end date of your sickness or injury absence.
In Luxembourg the health care system works on a reimbursement basis. You pay for consultations, treatment and medicine and later claim reimbursements from the CNS. Based on the nature of treatment, the CNS will decide the reimbursement amount – generally 80% to 100% of the medical expenses are reimbursed. The reimbursement policy holds good for all family members and dependents registered in Luxembourg.
When you send your claims to CNS include a covering letter with your social security number, contact details and most importantly your bank account number. CNS does not accept photocopies so always attach the original receipts attested by hospital or the doctor and keep photocopies for yourself, just in case.
CNS normally takes about 3 weeks to examine and dispatch your claims. All claims will be reimbursed directly into your bank account. You will also receive a reimbursement statement from CNS regarding the refund.
Private Health Insurance
More than ninety percent of your healthcare needs are covered by CNS. However, many people volunteer for an additional health insurance to supplement the treatments and services that are not covered by the government health insurance. A supplementary private health insurance can be obtained from Caisse Medico Chirurgicale Mutualiste (CMCM), Le Foyer, CGP, etc. The private insurance basically covers the extra costs (that are not covered under CNS) incurred towards first class or private rooms and other medical and dental costs in Luxembourg, as well as in a foreign country.
Luxembourg Air Rescue (LAR) is another insurance service offered in Luxembourg. In cases of medical emergency, members of LAR are entitled to air transportation from Luxembourg to any place in the world. While buying any additional insurance make sure you include your family members and dependents into the policy.
Apart from these, several other private insurance companies provide medical coverage in Luxembourg. In some cases, you may be required to be associated with the insurance scheme for more than a year to be able to claim the benefits. So, check the terms and conditions before you buy any private insurance policy. The main advantage of having an additional insurance is that it would cover extra unforeseen hospitalisation and medical costs in a foreign country.
- If you wish to undergo a treatment (not available in Luxembourg) in another country, ensure you have a referral from a local doctor and get prior approval from CNS in terms of reimbursement amount.
- If you wish to undergo a treatment (available in Luxembourg) in another country, CNS would normally simply reimburse the amount it would cost in Luxembourg.
- For non-emergency surgical treatments, you may request a quote from CNS in advance to have an idea of the amount they would reimburse.
- If you pay your medical expenses in a currency other than euros, make clear mention of it when you claim the sum.
- For any enquiries regarding the healthcare coverage and reimbursements, you can always write to CNS – firstname.lastname@example.org or visit Caisse Nationale de Santé at 125, route d’Esch, L-1471 Luxembourg.
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