Luxembourg has one of the most impressive health care systems in the world, including a highly efficient public insurance system. To provide extra security, some expats also take out private health insurance Luxembourg to cover what their public coverage does not.
Although some expats may have an issue with language differences, most doctors in Luxembourg speak English and finding one is quite easy. One can ask for referrals from other expats who may have stayed in the country longer, check online listings of English-speaking doctors, or contact one's embassy. One thing about these doctors, though, is their tendency to be tight-lipped during a consultation. However, an expat who wants more explanation can always politely ask.
In Luxembourg, one can see a GP just by walking into a clinic or one can set an appointment beforehand. One also would not need a GP's referral to be able to see a specialist. Payments are made directly to the doctors and may be reimbursed from 80-10% of the original cost based on its public health insurance system, Caisse de Maladie des Ouvriers or CMO, which covers confinement in any hospital in Luxembourg and even medicines. Some prescriptions, however, need to be authorized by the CMO before they can be purchased. Medicine coverage also depends on the medicine required; therefore, it is best to check with one's doctor whether the prescription will require CMO authorization.
Health services in this country are affordable and of high quality, making it rare for expats to have a problem with medical concerns. Still, many of them take out international health insurance in Luxembourg to take care of certain services which will not be covered such as those deemed non-basic.
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