Luxembourg Health Insurance
Luxembourg is an attractive country with the picturesque green landscape of rolling hills and valleys, and the country is packed with many historical sites. For visitors who want to discover forests, vineyards, and sandstone rock formations, Luxembourg is the place to be. Luxembourg is also a great place for expats to work and live. Those traveling or moving to Luxembourg can find information below on health insurance in Luxembourg, be it private health insurance or travel policy, as well as how Luxembourg's healthcare system works. Read on to learn more, or click below to obtain a no-obligation, free quote.
Luxembourg healthcare system
The healthcare system in Luxembourg consists of both the public and private sectors. The State provides free basic and subsidized 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 Maladie collects healthcare contributions. All 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 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 upfront when visiting State healthcare facilities. Then, they submit receipts to the Caisse de Maladie for reimbursement. The reimbursement received by patients ranges from 80% to 100%. For reimbursement 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,
- prescription drugs,
- and hospitalization.
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 choose 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 health insurance in Luxembourg
Private healthcare co-exists with public healthcare in Luxembourg. Although the majority of the country’s population is covered by the public healthcare system, about 75% of the population still choose to opt for additional private health insurance in Luxembourg to supplement the services offered by the State healthcare. Most of the major international health insurance companies in Luxembourg offer private medical plans, both local and international.
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.
Expat in Luxembourg?
Approximately 46% of Luxembourg's population are expatriates. Many expats arrive in Luxembourg to work in either insurance, finance, teaching and gas and electricity fields, as salaries are the highest in these industries. Expat lives in Luxembourg can be exciting, but also expensive, as the country is one of the most expensive ones to live in Europe. Luxembourg is bordered on the South by France, on the East by Germany and on the North and West by Belgium, making these three countries popular weekend destinations for expats and locals alike, be it for fun, or for cheaper shopping. Therefore, those who reside in Luxembourg, and also look to travel often, should consider obtaining health insurance for expats in Luxembourg.
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, 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.