How the system works
The Luxembourg system resembles the French one, only simpler: compulsory health insurance linked to work, free choice of doctor and high refunds. For children, everything is covered.
Good to know
- Anyone working in Luxembourg is compulsorily affiliated to social security through the CCSS; the health fund is the CNS for the private sector, the CMFEP or CMFEC for the public sector. Source
- A spouse or partner and children without their own cover are co-insured free of charge; co-insurance of a baby born in Luxembourg is usually automatic. Source
- You freely choose your doctors, and every authorised practitioner is automatically contracted with the fund: in principle you pay for the consultation, then send the bill to the fund for a refund. Source
- The CNS refunds 88% of medical fees, and 100% for under-18s. With Paiement immédiat direct (PID), a doctor who uses it is paid directly by the CNS: no more paying up front, so ask whether yours does. Source
- Top-up mutual insurance is optional; it covers the gap between your costs and the refund, useful for care abroad, dental or optical. Source