Best expat health insurance quotes in Luxembourg

We take the hassle out of health insurance: these health insurance companies provide international medical and dental insurance for expats in Luxembourg. Get quick simple quotes, and check out our list of FAQs to select the best health coverage plan for you.

Health insurance quotes for expats in Luxembourg

Allianz Care LogoAPRIL International LogoCigna Global Logo
Feature/BenefitAllianz CareApril IntlCigna Global
Available plansCare, Care Plus, Care ProEmergency, Basic, Essential, Comfort, PremiumSilver, Gold, Platinum
Coverage areaWorldwide (U.S. add-on)Country-specific, tiered systemWorldwide (U.S. add-on)
RepatriationLow-cost add-onIncludedAdd-on available
All plans includeMental health, evacuation HospitalizationCancer treatment, mental health, inpatient care
Optional add-onsOutpatient care, dental, maternityOutpatient care, vision, dental, maternityVision, dental, evacuation, maternity
Customer service24/7 multilingual24/7 multilingual24/7 multilingual
Preventative careWith higher tier plansWith higher tier plansIncluded
Monthly premiumsFrom $100/moFrom $80/moFrom $100/mo
Annual deductible$450–10,000$0–5,000$0–10,000
% Co-payment0-30% cost share 0–20% cost share0-30% cost share
Making a claimRequest reimbursement through the appRequest reimbursement through the appUsually direct billing, sometimes reimbursement
Get a quote Get a quote Get a quote

FAQ

Health insurance in Luxembourg

What is the Luxembourgish healthcare system like?

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.

What happens if I don't have health insurance in Luxembourg?

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.

I'm moving to Luxembourg – when should I take out health insurance?

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.

Do policies also cover family members?

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.

Which treatments does private health insurance cover?

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.

How much does private health insurance cost in Luxembourg?

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.

How do I file a health insurance claim?

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.

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