Best expat health insurance quotes in Luxembourg

Luxembourg’s state-funded healthcare system covers all citizens with basic medical coverage and is considered one of the best in Europe. Employed expats in Luxembourg make social security contributions to receive healthcare in the country. Your family is covered, you may choose your own doctors, and you are reimbursed up to 100% after paying the costs upfront.

In Luxembourg, public health insurance works on a reimbursement basis. Patients pay upfront and then submit receipts for consultations, treatment, and medicines for reimbursement. If you do not have public or private health insurance, you won’t be reimbursed for the costs of your treatment.

It’s best to start your private health insurance policy just before you arrive in Luxembourg. If you have a coverage gap between your insurance at home and your new policy, this could leave you with out-of-pocket expenses in case of emergency.

Usually private health insurance policies are on an individual basis. If you want to cover a partner or family members, you can add them on when you build your policy. If you have several dependents, it’s worth shopping around for the best family plan.

When you first design a health insurance plan, you can choose what you will pay yourself and what the provider will pay. Which treatments your plan covers depends on if you’ve met your deductible, whether you have a provider network, and other factors.

Health insurance premiums are based on age, medical history, level of coverage needed, and whether you include extra benefits. Luxembourg has high healthcare costs compared to the European average, so premiums will be higher there than in other countries.

The claims process in Luxembourg varies between insurers. Some deal directly with healthcare providers and pay bills on your behalf while others require you to pay upfront and send an invoice after. If you’re concerned about having to pay upfront, look for a provider who can sort out claims directly.