Health Insurance in Luxembourg (assurance maladie-maternité)

Health insurance in Luxembourg is public and compulsory for everyone who works there. When you start a job, your employer affiliates you with the CCSS, and the confirmation names your health fund. For private-sector employees and the self-employed this is the National Health Fund (Caisse nationale de santé, CNS); civil servants belong to separate public-sector funds. All doctors and dentists allowed to practise in Luxembourg are automatically contracted with the health insurance and must apply the official fees.

Contributions

• For health care, the contribution is 5.6% of earnings, plus 0.5% for cash benefits (sick pay), shared equally between employee and employer (2026). Employees pay 3.05%.
• Employees also pay 1.4% for long-term care insurance (assurance dépendance), on earnings minus an allowance of €692.83 a month (June 2026).
• Contributions are calculated on earnings between the minimum (the social minimum wage) and the maximum of five times the social minimum wage (€13,856.63 a month from June 2026).

Family cover and voluntary insurance

• Your spouse or registered partner and your children who have no cover of their own are co-insured (coassurés) free of charge through your affiliation. A child's co-insurance can continue up to age 29 inclusive if the child's own income is low.
• Co-insurance of a baby born in Luxembourg is usually automatic. For a spouse, a partner, an adult child or a child arriving from abroad, you must apply to the CNS.
• If co-insurance is not possible, you can apply to the CCSS for paid voluntary insurance (assurance volontaire).
• After at least 6 months of continuous affiliation, residents who lose their cover keep their right to health care for the rest of the month plus 3 months, if they have no other cover.

Costs and how you are reimbursed

• You choose your doctor freely and do not need a referral to see a specialist. The CNS advises choosing a GP, and a GP or paediatrician for your child, as first contact.
• Adults are generally reimbursed 88% of doctors' fees; children and young people under 18, 100%.
• With direct immediate payment (paiement immédiat direct, PID), the CNS pays its share straight to the doctor and you pay only your personal share (12% for adults). Not every doctor uses PID yet; ask yours. Otherwise you pay the bill and claim a refund.
• Hospital stays cost €26.79 per day as the patient's share (June 2026).
• For an emergency, go to the emergency department of a hospital on duty or call 112. Out of hours, maisons médicales provide GP care.

Common pitfalls for newcomers

• Fee supplements for "personal convenience" (convenances personnelles) are not reimbursed. The doctor must inform you and get your consent first.
• The CNS only reimburses within limits: for example one consultation per day and at most 12 per half-year with doctors of the same specialty, unless authorised.
• Some treatments need prior approval from the social security medical control service (CMSS). Ask your doctor before treatment starts.
• Keep your address up to date: confirmations of affiliation and of the end of affiliation are sent by post.

Official guidance: CNS: doctors and reimbursement, CNS: affiliation, CNS: direct immediate payment, CCSS: contribution rates