Health Insurance Luxembourg 2026 : CNS and Supplementary Cover Guide
Luxembourg has a high-performing social security system managed by the CNS (Caisse Nationale de Sante). All residents and workers — including cross-border commuters — contribute to the CNS, which reimburses on average 80 to 95% of medical costs depending on the type of care.
The Luxembourg Healthcare System in 2026
Luxembourg has a high-performing social security system managed by the CNS (Caisse Nationale de Sante). All residents and workers — including cross-border commuters — contribute to the CNS, which reimburses on average 80 to 95% of medical costs depending on the type of care.
Despite this high coverage level, many residents and cross-border workers take out supplementary health insurance to cover remaining costs — particularly dental care, optical care, private hospital rooms, and complementary medicine.
What the CNS Covers
| Service | CNS reimbursement rate | Out-of-pocket cost |
|---|---|---|
| General practitioner consultation | 88% | EUR 5-8 |
| Specialist consultation | 80-88% | EUR 10-30 |
| Hospitalisation (shared room) | ~100% | Daily flat rate ~EUR 25/day |
| Medicines (positive list) | 80-100% | EUR 0-10 |
| Dental treatment (conservative) | 80% | EUR 20-100 |
| Dental prostheses | ~50% | EUR 500-3,000 |
| Glasses/contact lenses | Fixed amount (~EUR 60) | EUR 200-500 |
Why Take Out Supplementary Cover?
- Private room: EUR 80-200/day supplement not reimbursed by CNS
- Dental care: implants, orthodontics, prostheses — often high out-of-pocket costs
- Optical care: CNS flat rate insufficient for progressive lenses or quality frames
- Complementary medicine: osteopathy, acupuncture — barely covered by CNS
- Medical repatriation: essential for cross-border workers and frequent travellers
- Income protection: top-up daily benefits during extended sick leave
Supplementary Health Insurance Costs
| Plan | Monthly premium | Coverage |
|---|---|---|
| Basic | EUR 30-60 | Private hospital room + basic dental |
| Comfort | EUR 60-120 | + optical + complementary medicine + repatriation |
| Premium | EUR 120-250 | + worldwide cover + income protection + death benefit |
| Family (2 adults + children) | EUR 150-400 | Full family cover |
Cross-Border Workers: Key Points
Cross-border workers (from Belgium, France, Germany) represent almost 50% of the Luxembourg workforce.
- Dual cover: covered by CNS AND can receive care in country of residence
- Form S1: register with health insurer in country of residence at CNS expense
- Planned treatment: Form S2 required for planned treatment in another EU country
- Supplementary insurance: can be taken out in Luxembourg or country of residence
Main Insurers in Luxembourg
- DKV Luxembourg: market leader, wide range of plans
- Foyer Sante: established Luxembourg insurer
- Lalux Sante: full range, local customer service
- CMCM: historic Luxembourg mutual health fund
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Dacks gestallte Froen
Yes, the CNS reimburses on average 80 to 95% of routine medical costs. The main gaps are dental care (prostheses, implants), optical care, private hospital rooms, and complementary medicine.
Premiums range from EUR 30-60/month for a basic plan to EUR 120-250/month for a premium plan. For a family, budget EUR 150-400/month depending on the level of cover.
It is recommended. Although cross-border workers are covered by the CNS, supplementary insurance covers out-of-pocket costs, private rooms, dental and optical care.
The CNS is the compulsory health insurance (social security). Supplementary health insurance is voluntary and covers costs not reimbursed by the CNS: private rooms, dental prostheses, optical care, complementary medicine.
Donnéeë verifizéiert am Abrëll 2026