Expats Talk about Health Insurance and Healthcare in Luxembourg City, Luxembourg

"Healthcare services in Luxembourg City, are of high quality and easily accessible to both residents and visitors. The country has a well-developed public healthcare system, which is funded through social security contributions and provides comprehensive coverage for a wide range of medical services. In addition to public hospitals and clinics, there are also numerous private healthcare facilities that offer specialized treatments and services. The healthcare professionals in Luxembourg City are highly trained and skilled, with many of them having studied and worked in other European countries. The city is home to several renowned medical institutions, such as the Centre Hospitalier de Luxembourg and the Clinique d'Eich, which provide a wide range of services, including emergency care, surgery, and specialized treatments. Primary care in Luxembourg City is provided by general practitioners, who serve as the first point of contact for patients seeking medical attention. These doctors can refer patients to specialists if necessary, and they also coordinate with other healthcare providers to ensure that patients receive the appropriate care. Pharmacies are widely available throughout Luxembourg City, and they are well-stocked with a variety of medications and medical supplies. Many pharmacists are multilingual and can provide advice on over-the-counter medications and treatments. Dental care is also readily available in Luxembourg City, with numerous dental clinics and practices offering a range of services, from routine check-ups to more specialized treatments. As with other healthcare services, dental care is covered by the public healthcare system, although some treatments may require additional out-of-pocket payments. In summary, healthcare services in Luxembourg City are of high quality, comprehensive, and easily accessible to residents and visitors alike. The city boasts a well-developed public healthcare system, as well as numerous private facilities, ensuring that patients have access to a wide range of medical services and treatments," wrote an expat living in Luxembourg City.

"Purchase supplemental health insurance. You need your CNS card to do it and that usually takes a few weeks to arrive. As soon as it does, you can purchase the insurance which covers things like private rooms, whatever CNS doesn't cover and travel abroad. Go directly to the insurance company (there are many to choose from) and ask for a quote. Going to an independent agent can be much more expensive. I came from the US where we had international insurance until January when we went "local" and went onto Luxembourg's health insurance system (CNS) . I broke a tooth in February and we didn't have our CNS cards yet. But I mailed in all my expenses after the tooth extraction, stiches and post implanted (this was 2200 euro) . They paid zero. I have resubmitted my request after the implant was completed for an additional 1500 euro and still have not received anything from CNS. Also I find it very difficult with CNS because of the language barrier on my end. In the meantime we applied for supplemental insurance and was told I had to wait 8 months for dental coverage. I also travel to the US to see our children. I have a separate policy for that at a cost of 119 euro a year + 43 euros a month if I stay over 3 months. My daughter is employed, but we also had to purchase independent insurance for my college aged son at a cost of $1700/year. The supplemental insurance for my husband and me costs about 225 euro/month. If you don't go to the US for more than 4 weeks, you are set, but if you do, you may want to look into costs of coverage. CNS will only pay what they would pay in Luxembourg for coverage so you really do need something," said an expat in Luxembourg City.