Health insurance, social security and complementary health insurance

All Luxembourg residents are required to have health insurance. To do so, they must register with the Centre Commun de la Sécurité Sociale. They will thus benefit from the services of the Caisse Nationale de Santé or their Caisse de Santé Publique. In addition, if they so wish, they can take out supplementary health insurance to optimize their healthcare cover.

Compulsory health insurance in Luxembourg

Compulsory health insurance in Luxembourg ensures that all citizens have access to the necessary health services. The system thus promotes equitable access to healthcare. It also helps to maintain the country’s health services at a high level.

Here are some key aspects of compulsory health insurance in Luxembourg:

Coverage and eligibility

All residents of Luxembourg are required to take out compulsory health insurance. These include Luxembourg citizens, residents, cross-border workers and holders of legal residence permits. Coverage extends to adults and children.

Insurance providers

In Luxembourg, people can choose from several approved health insurance providers. These providers must comply with the regulations and guidelines of the CCSS – Centre Commun de la Sécurité Sociale and the CNS – Caisse Nationale de Santé.

Health insurance financing

A combination of contributions finance compulsory health insurance in Luxembourg. Individuals, employers and the government share the funding.

The employee and employer contribute a percentage of the individual’s income, subject to certain thresholds. The government provides subsidies to keep insurance affordable for low-income individuals and families.

Health coverage and services

Compulsory health insurance in Luxembourg covers a wide range of health services. This includes general medical consultations, specialist visits, hospitalization, surgery, drugs, diagnostic tests and preventive care.

Dental care, although not fully covered, is partially reimbursed. The same applies to hearing and visual aids. Coverage also extends to maternity care, mental health services and rehabilitation.

Le CCSS – Centre Commun de la Sécurité Sociale

Au Luxembourg, le système d’assurance maladie obligatoire est supervisé par le CCSS ou Centre Commun de la Sécurité Sociale. Le CCSS est l’organisme central. Il est responsable de la gestion et de la réglementation de la couverture des soins de santé. 

Organisation et missions du CCSS

Le CCSS ou Centre Commun de la Sécurité Sociale au Luxembourg est un organisme public.

Il est en charge de l’affiliation des assurés. Il collecte, organise et traite les données informatiques et les cotisations pour le compte de différentes institutions de sécurité sociale, dont : 

• la Caisse Nationale de Santé (CNS) pour le secteur privé,
• les caisses de maladie du secteur public : Caisse de maladie des fonctionnaires et employés publics (CMFEP), Caisse de maladie des fonctionnaires et employés communaux (CMFEC) et l’Entraide médicale de la société nationale des chemins de fer luxembourgeois,
• la Mutualité des employeurs,
• l’Association d’Assurance contre les Accidents,
• la Caisse nationale d’assurance pension et le Fonds de compensation,
• la Caisse pour l’avenir des enfants,
• l’Administration de l’emploi.

Inscription préalable obligatoire auprès du CCSS

Au Luxembourg, toute personne effectuant une activité professionnelle rémunérée doit être inscrite auprès du Centre Commun de la Sécurité Sociale CCSS.

La déclaration du salarié auprès du CCSS doit être faite par l’employeur pour le salarié. Le CCSS se charge ensuite de l’affiliation de la personne auprès de la caisse de maladie compétente.

Le conjoint ou le partenaire (s’il n’est pas assuré principal lui-même) et les enfants sont assurés automatiquement auprès de l’assuré principal. Ils sont appelés « co-assurés ». Attention, il faut que le CCSS reçoive impérativement tous les documents nécessaires lors de l’affiliation de l’assuré principal (contrat de mariage, livret de famille, etc.). Vous pouvez également transmettre vos informations via le site Internet de la CNS.

Le travailleur indépendant devra de son côté faire les démarches nécessaires pour s’inscrire au CCSS, dès son établissement. Cette affiliation peut se faire via MyGuichet. 

Suite à l’affiliation auprès du CCSS, le citoyen et ses co-assurés bénéficient d’un numéro de matricule national à 13 chiffres.

Vous embauchez une garde d’enfants , nounou ou jeune fille au pair pour garder vos enfants ? Vous devez obligatoirement la déclarer au CCSS.

Cotisations assurance CCSS

L’inscription au CCSS permet d’être assuré en matière de sécurité sociale, assurance maladie ou santé, maternité, dépendance, pension vieillesse et de bénéficier des remboursement des médicaments et frais médicaux ou d’une prise en charge financière en cas de maladie ou maternité.

Les cotisations d’assurance seront déduites directement du salaire brut par l’employeur. En savoir plus sur les salaires bruts/nets et calculer son salaire net.

Une fois l’inscription faite et les cotisations d’assurance réglées, le citoyen et ses ayants-droits peuvent prétendre à une assurance maladie, dépendance, maternité, pension ou à un remboursement des frais médicaux.

CNS – Caisse Nationale de Santé or D’Gesondheetskeess

The Caisse Nationale de Santé is the Luxembourg health organization in charge of all health-related matters for insured persons in the private sector in Luxembourg (and their dependents).

This concerns prevention, reimbursement of health expenses, and health insurance in the event of illness, accident, maternity, dependency or end of life.

NSC Registration

All private sector employees must be registered with the NSC. This affiliation is carried out as soon as the employee is hired by his employer with the CCSS (Centre Commun de la Sécurité Sociale).

Every month, the employer declares the employee’s gross salary, from which social security contributions are deducted at source.

Disability compensation: where to send work stoppages and illnesses

In the event of sick leave, the resident or cross-border employee must send the CNS the original copy (section 1) of the sick leave prescribed by the doctor. Sick leave must be sent within 3 days to the following address:

Caisse nationale de santé – Service Contrôle et gestion des certificats d’incapacité de travail L-2979 Luxembourg

The other part will be sent to the employer within the same maximum 3-day period.

The employer declares the employee’s work incapacity and hours of absence on a monthly basis. The CNS will then be able to pay any compensation to the employee for these work incapacities.

For the specific case of maternity and parental leave, click here.

Medical expenses: where to send NHA claims

The CNS is also responsible for reimbursing drugs and medical expenses incurred by the insured under certain conditions.

Requests for reimbursement must be sent to the following address in an unstamped envelope. However, you are still responsible for the cost of registered mail.

CNS Caisse nationale de santé – Service Virements, 125 Route d’Esch L-1471 Luxembourg

Statements of fees and other out-of-pocket medical expenses, duly paid by the doctor or healthcare professional, must be sent to the CNS. Requests will be returned to you. in case of incomplete file. The simple copy of the bank transfer made is not enough. Bank proof of the actual transfer must accompany the request.

For the first reimbursement request, please enclose a RIB – bank details of the account to which the CNS transfer will be made.

See Medical Expenses.

CNS reception desk: Monday to Friday, 8 a.m. to 4 p.m.

Address CNS 125, rte d’Esch L- 1471 Luxembourg-Hollerich. Telephone: +352 27 57-1

cns.public.lu/en.html

CMFEP – Civil Servants and Public Employees Health Fund

The CMFEP is the Health Fund for civil servants and public employees.

Information on social security institutions

For all your questions concerning social security institutions in Luxembourg (health insurance, accident, pension, dependency, family benefits, …) consult the Luxembourg governmental website www.secu.lu.

Supplementary health insurance

While compulsory health insurance covers essential health services, individuals have the option of taking out supplementary insurance. This means they can benefit from additional coverage. Supplementary insurance is not compulsory, but it provides more comprehensive coverage.

Supplementary insurance covers, for example, private hospital rooms or alternative medicine. Reimbursement rates may also be higher for certain services. They can reimburse up to 100% for certain medical services not covered by the CNS.

The insurer assesses the claim and reimburses a portion of the costs based on the agreed coverage rates. Reimbursement rates vary according to service and type of insurance coverage.

Consult the different insurance companies in Luxembourg to subscribe to a complementary health insurance.

Identification of the insured person

Social insurance card

After registering with your health insurance company, you will receive a national insurance card. The social security card establishes that you are affiliated to the health insurance. It identifies you in your dealings with social security institutions, health care providers(doctors, hospitals,pharmacists, etc.) in the Grand Duchy of Luxembourg.

The social security card is personal.

13-digit registration number

The social security card shows the insured person’s surname, first name and 13-digit registration number. The 13-digit matricule number is the personal and individual national identifier. You will be asked for this number in all your dealings with authorities, schools, etc.

European insurance card

If you travel regularly in Europe, you can apply for a European insurance card. This card has 2 sides. One side is valid in Luxembourg, the second side is valid in the countries of the European Union and the European Economic Area.

The European side allows you to directly address the care providers agreed in the countries of the European Union and the European Economic Area. If health care becomes necessary during a temporary stay in another Member State, the card allows :

• the provision of health benefits according to the laws and procedures of the country where you are temporarily staying,
• the request for reimbursement to the country of stay according to the legislation it applies or to Luxembourg according to the Luxembourg rates.

The European Health Insurance Card has an expiration date. It is renewed on request via this link.

Download the “European Health Insurance Card” application on your smartphone.

Available in 25 languages, the App includes the instructions for using the European Health Insurance Card in the EU member states. You will find general information about the card, as well as emergency numbers and the service to contact if the card is lost. You can obtain the procedure for obtaining reimbursement, the treatments and the costs covered. See CNS website.

Case of cross-border workers

Registration procedure

Cross-border workers are affiliated to a health insurance fund in Luxembourg. They must also register with their local health insurance fund. For this purpose, the National Health Fund (CNS) issues an entitlement document, called ” Form S1 “. The health insurance company in the country of residence will send the Luxembourg CNS a certificate proving that the family members are dependent on the insured person.

Insurance benefits

The insured person and his or her family members are entitled to Luxembourg benefits under the same conditions as Luxembourg residents.

The legislation of the country of residence is decisive for the status of the family member entitled to benefits. If the spouse is employed in the country of residence, the family members are generally dependent on the spouse.