Flower Market in Luxembourg City
Flower Market in Luxembourg City
Flower Market in Luxembourg City

2 Expats Talk about Health Insurance and Healthcare in Luxembourg

By Joshua Wood, LPC

Last updated on Nov 27, 2021

Summary: Expats and global nomads in Luxembourg share their experiences with health insurance, healthcare in Luxembourg, local hospitals and specialists, quality of medical care and more.

William Russell Health Insurance
William Russell Health Insurance
William Russell Health Insurance
William Russell Health Insurance

How are healthcare services Luxembourg?

When we asked expats and global nomads about the quality of medical care in Luxembourg, they replied:

"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," added another expat.

What are emergency services like in Luxembourg?

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About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000. Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Some of Joshua's more popular articles include Pros and Cons of Living in Portugal, 8 Best Places to Live in Croatia and the Living in Mexico Guide. Connect with Joshua on LinkedIn.

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