Health insurance quotes in Luxembourg

Aetna International has been at the forefront of healthcare insurance for more than 160 years. With quality coverage in Luxembourg and other countries, the American insurer caters to global professionals and offers access to over 1.4 million medical providers worldwide, 24/7 member support, and excellent benefits.

The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options.

With access to over 1.2m medical providers worldwide, Bupa Global ensures expats have the same coverage everywhere. As a leading international health insurer, the UK-headquartered company settles directly with providers, so its 15.5 million customers don’t pay upfront and can consult specialists without seeing a GP.

The Munich-headquartered financial services company offers international health insurance plans for expatriate students, couples, professionals, and families living in Luxembourg. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental, maternity, surgery, and outpatient fees.

Residents of Luxembourg that are employed make social security contributions to receive healthcare in the country. The healthcare system in Luxembourg is among the best in Europe. You may choose your own doctors, and you are reimbursed up to 100% after paying upfront costs.

In Luxembourg, expats have access to the country’s free public healthcare system, though many opt to extend their coverage with a private healthcare plan to cover medical treatments that do not fall under the public scheme. Compare quotes for Luxembourg healthcare providers to find the right plan.

If you decide to top up on state health insurance with a private plan in Luxembourg, or go private because you can’t get public coverage, take time to review the various different packages and find the one most suitable for you. Questions you may want to ask include:

1. Does the package cover family members?

State health insurance in Luxembourg covers all dependent family members but private insurance packages often only cover individuals. If you want to include other members of the family, you’ll need to check what extended packages or family member discounts are on offer.

2. Are there any restrictions, limitations or exclusions on the policy, e.g. relating to age or pre-existing conditions?

If you are from a high risk group due to age, lifestyle factors or medical history, you may find some private insurers reluctant to cover certain conditions or attaching high premiums to these. Make sure you know about any restrictions on the policy before you sign up.

3. What’s a coverage gap and could I be affected?

You may experience an initial coverage gap if you move to Luxembourg without any health insurance coverage, even if you’re eligible for the public scheme. You’ll need a residence permit to apply for your social security card which is needed to access healthcare. This can take a few weeks. If you’re not covered by an existing plan, you may need short-term private insurance.

4. Am I covered while I travel?

If you travel outside of Luxembourg regularly, it’s worthwhile looking into global insurance plans offered by private international companies as the public scheme will only cover you for medical treatment within the EU/EEA.

5. What treatment is covered?

Luxembourg’s public health insurance covers between 80-100% of treatment costs from doctors and specialists, hospitalization, prescription costs, dental treatment, eye care and maternity care. Private insurance can be used to pay unmet costs and for treatment not covered (e.g. complementary therapies). Private health insurance will also give you access to private doctors and entitle you to a private room and extra services on hospital stays.

6. How straightforward is the process for making a claim?

In Luxembourg, the standard procedure with both public and private healthcare is to pay upfront and apply for reimbursement from your insurer. The claims process varies between private companies. It normally takes around three weeks to get reimbursed through the public insurance scheme.