Luxembourg Health Insurance for Expats

International Health Insurance for Expats in Luxembourg

Private health insurance in Luxembourg offers expats advantages like private hospital accommodations, comprehensive dental and vision care, and mental health support. It also provides faster access to specialists and diagnostic procedures, reducing wait times experienced in the public system.

Securing international health insurance in Luxembourg ensures access to premium healthcare locally and abroad. This guide explores public and private insurance options, key considerations for expats, and top providers. Discover the best plan for your needs, or get started with a free quote today.

Recommended International Health Insurance Plans for Expatriates Living in Luxembourg

The Healthcare System in Luxembourg

Luxembourg boasts a highly efficient healthcare system that blends public and private options to ensure quality medical care for residents and expats alike.

Managed by the Caisse Nationale de Santé (CNS), the public healthcare system offers comprehensive coverage, including general practitioner (GP) visits, specialist consultations, and hospital care. 

Patients pay upfront for medical services but are reimbursed for a significant portion of these expenses through the CNS.

Luxembourg’s Public Hospitals

Public hospitals in Luxembourg are well-equipped and staffed with multilingual professionals, making them a reliable option for emergency and inpatient care. Examples include:

• Centre Hospitalier de Luxembourg (CHL): The largest public hospital, located in Luxembourg City, known for its state-of-the-art facilities and extensive range of medical services.
• Hôpital Kirchberg: A modern hospital offering both general and specialized care, including maternity services and surgery.
• Centre Hospitalier Neuro-Psychiatrique (CHNP): Specializing in mental health and neurological care, located in Ettelbruck.

Luxembourg’s Private Hospitals

Private healthcare facilities cater to those seeking faster access to specialist treatments or enhanced comfort. Examples include:

• Clinique Bohler: Known for its focus on maternity, gynecology, and paediatrics.
• Clinique du Parc: A versatile private clinic offering surgical and outpatient care in Luxembourg City.
• Clinique Sainte-Marie: Located in Esch-sur-Alzette, it provides specialized and high-quality care in a variety of fields, including oncology and cardiology.

Emergency Services in Luxembourg

Emergency care in Luxembourg is highly accessible. Dial 112 for ambulance services, which are prompt and well-equipped to handle critical situations. Emergency treatment at public hospitals is covered under the CNS, ensuring immediate care without financial stress.

Luxembourg’s healthcare system stands out for its high standards and efficiency, making it an excellent destination for residents and expats seeking robust medical services.

Health Insurance Options in Luxembourg for Expats

While public insurance through the CNS ensures basic coverage, private and international plans offer enhanced benefits for those seeking faster access and specialized care.

Public Insurance in Luxembourg

Luxembourg's public healthcare is funded through mandatory contributions to the Caisse Nationale de Santé (CNS). Expats employed or residing in the country automatically join the system through their social security payments. Key features include:

• Reimbursement Model: Patients pay upfront for treatments and receive partial reimbursements (80–100%) based on CNS guidelines.
• Comprehensive Coverage: Includes GP consultations, specialist visits, hospitalization, maternity care, and a portion of prescription medication costs.
• Family Coverage: Spouses and children can be covered under an expat’s CNS plan.

Despite its efficiency, the CNS system involves co-payments, and wait times for specialists can be long.

Private Insurance in Luxembourg

Private health insurance complements CNS by covering gaps like co-payments, faster specialist access, and private healthcare. Expats also often opt for international plans to ensure global coverage. Benefits include:

• Full Reimbursements: Covers CNS-excluded services, such as advanced dental work, optical care, and elective surgeries.
• Priority Access: Shorter wait times for specialists and premium private facilities.
• Flexibility: Access to private hospitals such as Clinique Bohler and Clinique Sainte-Marie, which specialize in maternity, paediatrics, and advanced treatments.
• Travel-Friendly Coverage: For expats frequently traveling, international plans extend healthcare access worldwide.

Top providers like Cigna, Allianz, and IMG offer private and international plans tailored for expats in Luxembourg. These plans ensure comprehensive coverage for medical needs in Luxembourg and beyond.

Best Private Insurance Providers for Expats in Luxembourg

Leading providers such as Allianz, Cigna, GeoBlue, and IMG, available through Pacific Prime, deliver tailored plans for expats. These plans often include global coverage, emergency evacuation, repatriation, and preventive care, ensuring high-quality healthcare wherever you are.

When seeking private health insurance in Luxembourg, expats can rely on international insurers that offer comprehensive coverage to suit their unique healthcare needs. Here are some of the top providers for expats in Luxembourg:

Cigna Global

Cigna offers flexible international health plans for expats in Luxembourg. Coverage includes inpatient/outpatient care, mental health services, and wellness programs. Cigna also offers access to a global network of healthcare providers, ensuring expats receive high-quality care wherever they are.

With a large network of doctors and hospitals worldwide, Cigna provides 24/7 multilingual support to ensure expats can easily manage their healthcare needs while living in Luxembourg. Their flexible plans cater to both short- and long-term health needs.

Allianz Care

Allianz Care provides health insurance plans covering emergency medical care, private hospitals, and preventive services for expats in Luxembourg. Their global network of medical professionals ensures excellent care, and the company offers multilingual support for easy navigation of the system.

Expats can tailor their Allianz plans to include additional benefits, such as dental and vision care. Allianz offers worldwide coverage, ensuring that expats are covered no matter where they travel. Their quick claim processing adds peace of mind for those in need of healthcare abroad.

IMG (International Medical Group)

IMG offers international health plans tailored to expats in Luxembourg. Coverage includes emergency evacuation, inpatient/outpatient care, and long-term care. IMG also ensures expats have access to a large network of doctors and hospitals for high-quality healthcare whenever they need it.

IMG provides health and wellness programs, ensuring that expats stay in top shape. Their global access and quick claims processing make it easy to get treatment without delays, helping expats to feel secure wherever they live or travel. IMG’s plans are customizable to fit individual needs.

AXA

AXA offers comprehensive plans for expats in Luxembourg. Coverage includes private medical treatment, preventive care, inpatient/outpatient services, and emergency medical evacuation. AXA’s international network of providers ensures that expats have access to world-class healthcare.

Expats can tailor their AXA plans to include dental, optical, and mental health coverage. AXA’s flexible policies and broad network ensure that expats have the medical protection they need, providing peace of mind wherever they go in Luxembourg or abroad.

Facts to Consider when Picking Insurance in Luxembourg

When selecting international health insurance in Luxembourg, there are several key factors expats should consider to ensure comprehensive coverage:

Coverage Options and Network Access

Look for a plan that provides access to a broad network of medical professionals and hospitals. Your insurance must cover both local and international providers. A wider network ensures you have more treatment options and can receive care wherever you are, even when traveling outside Luxembourg.

In addition, check for coverage in areas where you may travel frequently or plan to move in the future. Global providers like Cigna and Allianz offer extensive networks, so you'll be covered in Luxembourg and beyond, which is crucial for frequent travelers and expatriates.

Local vs. International Plans

While Luxembourg has excellent public healthcare, expats may prefer private insurance for faster access to specialists and elective procedures. Choosing a plan with local and international coverage ensures you’re covered when traveling, whether you’re in Luxembourg or abroad for work or leisure.

Also, local plans tend to offer better integration with Luxembourg’s healthcare system. However, international coverage ensures a broader scope of care. International health plans are often more comprehensive, which is an attractive option for those who want extra peace of mind.

Pre-Existing Conditions and Customization

Ensure that your plan includes coverage for pre-existing conditions if necessary. Some providers, like Allianz and Cigna, allow you to customize plans to include coverage for chronic health issues, ensuring you’re fully protected against long-term medical needs such as diabetes or hypertension.

Customization options allow expats to select specific coverage based on individual health needs, like maternity care, dental, or vision. This flexibility ensures your insurance is tailored to your lifestyle and health, offering more comprehensive protection without unnecessary coverage.

Emergency Evacuation and Medical Repatriation

Expats should prioritize a plan that includes emergency evacuation and repatriation services, especially if traveling frequently. These services can cover the cost of medical transport if you're seriously ill or injured, ensuring you get the right care even if you're in a remote location.

Additionally, emergency evacuation is essential if you live in areas with limited medical facilities. These services are invaluable for ensuring timely access to advanced treatment, particularly if you experience serious health issues while abroad or in rural areas of Luxembourg.

Cost and Policy Flexibility

Health insurance in Luxembourg varies in cost depending on coverage. Ensure your plan is both affordable and comprehensive. Many insurers offer flexible policies, allowing you to adjust coverage based on your health needs, whether you require basic or premium care options.

Make sure to carefully assess premiums, deductibles, and out-of-pocket expenses. A flexible policy gives you the option to adjust coverage as your situation changes, ensuring you’re always adequately protected without unnecessary costs. Compare plans to find one that suits your budget and requirements.

Claims Process and Customer Service

Check the ease of filing claims with each insurer. Opt for providers with fast and transparent claim processing. Look for companies with excellent customer support that can help with any questions or issues related to reimbursements, claims, or treatment authorization.

An efficient claims process can save you time and stress when it matters most. Look for insurers that offer online claim submission, real-time status updates, and customer support available in multiple languages. Excellent customer service helps expats feel confident in their health insurance choices.

Health and Safety Tips for Travelers in Luxembourg

Travelers visiting Luxembourg should keep a few important health and safety tips in mind to ensure a smooth and enjoyable stay:

Healthcare Access for EU/EEA Visitors 

If you are from an EU/EEA country, bring your European Health Insurance Card (EHIC). This will give you access to the country’s public healthcare system at no additional cost. For non-EU travelers, securing comprehensive travel health insurance is highly recommended.

Emergency Services 

In an emergency, dial 112 for assistance. Luxembourg's emergency services are reliable, and hospitals like Centre Hospitalier de Luxembourg and Hôpital Kirchberg offer excellent care. For urgent medical treatment, these hospitals are well-equipped to handle emergencies.

Medications and Pharmacies 

Pharmacies are widespread in Luxembourg, with many open on weekends or holidays. It is wise to bring along any prescribed medications, as some brands may not be readily available. However, be sure to check with a local pharmacist if you need any specific treatments.

Vaccinations 

Luxembourg does not require specific vaccinations for entry bur travelers should be up to date with routine vaccinations such as hepatitis A, hepatitis B, tetanus, and MMR (measles, mumps, rubella). COVID-19 vaccinations may be required depending on your country of origin.

Travel Insurance 

Be sure to secure comprehensive travel insurance that covers medical care, including emergency evacuation, as healthcare costs can be high without insurance. Travel insurance will also protect you against the financial risk of lost luggage, cancellations, or trip interruptions.

Weather and Safety

Luxembourg experiences a temperate climate, but be prepared for changes, especially in winter when snow and icy conditions are common. Dress appropriately for the season and ensure that you have winter gear, such as sturdy footwear, to avoid slips and falls.

Frequently Asked Questions

Do I need health insurance in Luxembourg as an expat?

Health insurance is mandatory for all residents of Luxembourg, including expats. While public health insurance covers most medical expenses, many expats opt for private health insurance to supplement public coverage, ensuring faster access to specialists and additional services.

Is healthcare free in Luxembourg?

The State provides free basic and subsidized healthcare to all Luxembourg citizens and registered long-term residents. Temporary visitors to Luxembourg from the EU/EEA/Switzerland can receive free healthcare through their European Health Insurance Card (EHIC), as per the agreement between their country and Luxembourg. Those without an EHIC and visitors from outside the EU will need to purchase private health insurance for Luxembourg. 

What’s the best way to access medical care as a foreigner in Luxembourg?

Foreigners in Luxembourg can access healthcare via the public system if registered with the Caisse Nationale de Santé (CNS). Expats can also opt for private health insurance for quicker access to services. For emergency care, dial 112 to reach local services.

Compare Plans and Quotes Now

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, a Luxembourg expat health insurance plan will be the optimal solution for you. 

This will give you 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 traveling through Luxembourg.

Contact our professional advisers today to receive a plan comparison and no-obligation free health insurance quote.