Learn more about the dental health standards in Luxembourg. With this guide, you’ll be able to find a dentist in Luxembourg that suits your needs. It will also provide you with information about dental insurance and fees.
There is a lot to love about Luxembourg. Situated in the heart of Europe, it offers easy access to London, Brussels, Berlin, and other capital cities. It is also a place steeped in history, with castles at every turn. From the world-class food to the high wages, it is not difficult to see why expats are attracted to this location. If you are moving to Luxembourg or you are thinking about doing so, you will want to know as much as possible about life in the country. In this guide, you will find out everything you need to know about dental care in Luxembourg.
In Luxembourg, expats are covered by the public health insurance system. This grants them access to basic dental care. However, many expats decide to take out further insurance coverage so that they are covered for major dental work as well. Read on to discover more about how this works, from the standard of dental care to the cost.
Health standards for dentists in Luxembourg
Luxembourg boasts one of the best healthcare systems in Europe. All citizens benefit from basic medical coverage, which is of a high standard. Dental equipment across the country is mainly state-of-the-art, and there is an excellent reserve of dentists. So, if you require dental care, you can be sure it is of exceptional quality. Not only this, but the vast majority of practitioners also speak English, which makes the situation a lot easier for foreign residents. If you take a look at forums online, you will be hard stretched to find negative comments about the healthcare industry in the country.
Dentist in Luxembourg: The national health insurance system
As mentioned, there is a state-funded healthcare system in Luxembourg, which provides basic dental care for all citizens. The country’s Caisse de Maladie oversees this. This healthcare system is funded by taxes from employees and employed citizens. There is a cap on these contributions, which is €6,625. The employees and employer pay half of the amount each. If you are self-employed, you will need to pay the full amount by yourself. However, the total amount that you are required to pay depends on your profession. Any dependent family members will be covered by the healthcare contributions you make as well. This applies to both employed and self-employed individuals.
It is important to note that there are no public dental clinics in Luxembourg. Instead, all dentists are registered with public insurance, enabling them to treat you under the public healthcare system. You are free to register with a dentist of your choice. Before choosing a dentist, it is vital to ensure they are registered with Caisse de Maladie, so you know that you are covered for payment reimbursement. Upon consultation with your dentist, they should be able to inform you as to whether your treatment is covered by the state and, if so, how much of it is covered. They will provide you with a fixed fee so that you can call your insurer to discuss further.
Do you need private insurance to visit a dentist in Luxembourg?
Private insurance is not a necessity in Luxembourg, but it is recommended that you take out extra coverage. While the national health insurance system does cover basic treatment, if you require anything more substantial, you will need to pay. By taking out private health insurance, the cost of this will be covered, so you don’t have to deal with any extensive, unexpected medical bills. This also gives you the opportunities to choose your own dentists and clinics.
What to consider when choosing private medical insurance:
- Coverage – You need to be fully aware of what is and what is not covered in the policy. While the plan may claim to be a ‘full coverage’ dental policy, you may find that certain treatments aren’t included. This is why it is vital to read the terms and conditions before agreeing.
- Exclusions – You may not be entitled to certain dental treatments under the plan if you have pre-existing conditions.
- Excess – Is there a voluntary or compulsory excess? This is an amount that you will need to pay before the insurer pays out.
- Dental network – You need to discover what dentists and clinics are covered under the treatment plan.
- Family – Are you able to add other family members to your medical insurance policy?
- Cost – Of course, the cost of the insurance policy is important, yet you shouldn’t go for the cheapest plan you can find. Getting the right coverage is always the most important.
One set of people that do require private health insurance in Luxembourg in order to access any type of dental treatment at all is retirees or any other expats that live in Luxembourg but are not employed. In order to acquire a residence permit, you will need to show evidence of health insurance.
There are a number of large expat-friendly health insurance companies offering private insurance that covers dental treatment in Luxembourg, including:
Paying your dentist in Luxembourg
If you have sought the services of a public dentist in Luxembourg, payments will operate on the basis of reimbursements. You will find all types of medical fees via the Caisse de Maladie. Once you have had your dental treatment and paid for it, you can submit your receipt and receive reimbursement. Please note that the amount of reimbursement you receive depends on the treatment you have had. In most cases, it will be anything between 80 and 100% for basic, essential dental treatment. For prescription medicines, the reimbursement is typically around 78%.
As per the Luxembourg National Health Fund (CNS), citizens can expect reimbursement of costs incurred of up to 100% for the following:
- Orthodontics (if the treatment begins before the age of 17-years-old)
- Surgical Extractions
- Dental extractions, i.e. lower molars, root extractions, etc.
- Gum and dental care, i.e. tartar and plaque removal, anaesthesia, etc.
The maximum amounts for dental care reimbursement for certain treatments are as follows:
- €120 per dental implant
- €75 per five-year period for periodontal surgery
- €50 for metallic braces
Of course, it is important to note that reimbursement amounts and dentist rates can change yearly. At the start of 2017, the cost of a regular consultation increased from €38.60 to €43.70, as a result of the indexation set. This represents a 2.5% increase. However, there were no changes in reimbursement, which remained at 88% for consultations. For up to date information regarding this, click here.
If you require major dental work, you will need to get pre-approval from the public healthcare insurance system or from your private insurer before the costs can be covered. Examples of this include the likes of bridges and crowns. So, get in touch with your insurer beforehand to ensure you are covered and, if so, how much of the treatment is covered. One of the benefits when it comes to payment for dentistry services in Luxembourg is the fact that treatment is charged on a fixed fee basis, so you know exactly what you are paying for.
Find a dentist in Luxembourg for an emergency
If you have a dental emergency, you should first attempt to contact your dentist over the telephone. Most dental clinics will have an answer phone message, which will inform you of the steps to take if you are suffering a dental emergency after hours. You should also check out their website, if they have one, as you may find instructions here. If this is to no avail, you can seek temporary support by the on-duty emergency hospital or a polyclinic. The Centre Hospitalier Luxembourg (CHL) provides dental care of children on weekdays and weekends.
Finding a dentist in Luxembourg
Expats can use the white and yellow pages of local directories to find dental clinics with English-speaking practitioners. Expatriate organisations, embassies, and consulates will also usually be able to supply you with a list of dentists who speak English in your area. You can also visit this website.