Luxembourg's healthcare system, renowned for its universal coverage and accessibility, is an essential pillar of society. Although effective, it has its limitations, particularly in terms of the reimbursement of certain medical expenses. Supplementary health insurance is often necessary to fill these gaps and ensure optimum protection.
Let's delve into the world of Luxembourg's health system, an essential and effective pillar of society based on fundamental values: universal health coverage, accessibility and equity for all citizens. This system is renowned for being one of the best in the world. However, logically it has its limits, particularly in terms of the reimbursement of certain medical expenses. Good supplementary health insurance can help remedy these shortcomings.
Access to care and funding
To access health care in Luxembourg, you must be registered for health insurance through the Joint Social Security Centre (Centre commun de la sécurité sociale – CCSS). Employers sign up their employees to the scheme, ensuring that they receive the health services they need regardless of their professional status or income. A combination of employer and employee contributions and government subsidies provides the basis for the system's financing, guaranteeing its essential solidarity and continuity.
Optimising your health coverage
Health care covers a wide range of services including medical, dental and eye care, as well as medications. In general, the National Health Fund (Caisse Nationale de Santé –CNS) reimburses these services after the patient has made their advance payment. Services such as hospital stays, lab tests and medication work on the basis of a direct payment system (tiers payant). In this case, patients only pay the part of the fees that remain to be borne by them.
However, despite this coverage, the insured party still has to pay certain fees such as hospital stay in a single room, alternative treatments or advanced dental care. To close these gaps, supplementary health insurance can provide additional reimbursements or cover some treatments in full.
Choosing the right supplementary health insurance is not just a matter of covering the remaining costs. It also gives you the opportunity to access better quality care as well as wellbeing and prevention services that are often overlooked by the traditional healthcare system. These benefits can be decisive in your health journey, helping you to keep yourself well and fit and prevent future medical problems.
Solutions to suit your needs
DKV Luxembourg, a member of the LALUX Group, offers you a range of coverage to suit specific needs, giving you extra peace of mind by guaranteeing optimum protection for your health, whether you are a resident, cross-border worker, self-employed person, EU official or traveller.
That’s why it's essential to assess your health requirements and opt, if necessary, for the right supplementary insurance. Doing so will give you all the benefits of optimal cover and protect you against unforeseen health-related expenses.
To help find which products are best for you, check out the specifically designed questionnaire on dkv.lu. This tool will help you to identify the best form of health coverage to suit your specific needs.
You can also contact your LALUX agent for personalised advice.