Luxembourg Medical Insurance
Luxembourg is a landlocked country situated in Western Europe. The country has an area of 2,586 square kilometers. Luxembourg is bordered on the South by France, on the East by Germany and on the North and West by Belgium. The capital city, Luxembourg, is located in the Southcentral part of the country. Luxembourg is a trilingual country; people speak German, French, and Luxembourgish.
Luxembourg's climate is temperate and mild. The country is marked by high precipitation, particularly in late summer. Many areas of Luxembourg are covered by dense fog between August and April, particularly the country's main river valleys. Summers in Luxembourg are generally cool, with a mean temperature of around 17°C. Winters are rarely severe, and the average temperature is about 0°C. Luxembourg is an attractive country with picturesque green landscapes of rolling hills and valleys, and the country is packed with many historical sites. For visitors who wanted to discover forests, vineyards and sandstone rock formations, Luxembourg is the place to be.
The healthcare system in Luxembourg consists of both the public and private sectors. The State provides free basic and subsidised healthcare to all Luxembourg citizens and registered long-term residents. The Union of Sickness Insurance Funds of Luxembourg oversees the healthcare service within the country, while the Caisse de Maladi collects healthcare contributions. All the employers and employees contribute to the healthcare system. The average healthcare contribution is about 5.4% of gross income with a cap of 6,625 Euros. The contribution is split equally between the employers and employees. Employees’ portion is directly deducted from their monthly salaries. Self-employed people are responsible for their own contributions, and the amount varies according to their profession. Dependents of employed family members are covered by the public healthcare system. Patients are required to pay all costs up front when visit State healthcare facilities, they then subsequently submit receipts to the Caisse de Maladie for reimbursement. The reimbursement amount received by patients ranges from 80% to 100%. In terms of prescription drugs, there are four categories of reimbursement; levels vary from 0% to 100%.
Public healthcare covers the majority of treatments provided by General Practitioners (GPs) and specialists. Other medical services covered include laboratory tests, pregnancy, childbirth, rehabilitation, prescriptions, and hospitalisation. The citizens of Luxembourg are free to register with the doctor of their choice. However, in order to ensure their treatment is covered by public healthcare, patients should ensure that their chosen doctor is contracted into the State scheme. If the doctor they chose is not a State funded doctor, then they are responsible for paying out-of-pocket for all services rendered.
Patients can make an appointment with a GP prior to their visit or they may choose to walk in for treatment. However, not making an appointment may result in long waiting queues. GPs are responsible for prescribing drugs, treating acute and chronic illnesses, and providing preventive care and health education to the general population of Luxembourg. It is not required to obtain a referral letter from a GP to visit a specialist doctor In Luxembourg.
All hospitals in Luxembourg are State owned and are run by the Caisse de Maladie. Private hospitals do not exist in the country. Patients are admitted to the hospital either by referral from a doctor or immediately in the case of an emergency. In addition to general hospitals, there are also specialist hospitals in Luxembourg. Hospital services are generally divided into three tiers. The level of health services that you will receive depends on the amount of a resident’s insurance contributions or the private health insurance coverage a patient may have.
Private healthcare co-exists with public healthcare in Luxembourg. Although the majority of the population in Luxembourg is covered by the public healthcare system, some people still choose to opt for additional private health insurance to supplement the services offered by the State healthcare. Retirees from a foreign country, who want to reside in Luxembourg, must show a proof of health insurance upon application for their residence permit.
In summary, Luxembourg has an extremely high standard of compulsory state-funded healthcare and medical professionals are generally extremely well-trained. As is the case with any universal healthcare system, there are always long queuing times that can be a hassle during your trip. Should you desire to receive immediate treatment at a doctor or clinic of your choice, an expat medical insurance plan will be the optimal solution for you. This will give you a peace-of-mind knowing that medical costs will be covered quickly and efficiently in case of an accident or illness for yourself and your family while travelling through Luxembourg.
We offer a wide range of policies to meet your individual needs, including benefits such as dental, maternity, inpatient, outpatient, specialist consultations, and many others. We offer a large variety of health care plans as well as travellers insurance plans. Contact our professional advisers today to enjoy full insurance protection such as a Health Insurance Plan for yourself and your family.