Expat Insurance Services in Luxembourg

Everyone in Luxembourg is required to have health insurance. Those who work in Luxembourg normally have contributions made directly from their salary, usually around 5.4 percent, paid into a health fund, and the employer also contributes. This provides basic medical care coverage which covers all dependants, as well as the insured's children up to the age of 27 years old. Patients must apply for reimbursement for health costs and prescription expenses from their health fund, which is available in varying percentages of the full expense depending on the circumstances. The health fund will also reimburse Luxembourgers who have emergency treatment in a foreign country at Luxembourgish rates. There is also another insurance plan specifically for long term care in an institution. It is also possible for people living in Luxembourg to take out a supplementary health insurance policy that will cover the remainder of medical expenses not covered by their health fund. There are no private hospitals in Luxembourg, all medical facilities are publicly operated by the state system. People who come to live in Luxembourg from foreign countries are also required to have proof of health insurance coverage, which can include a traveler’s health insurance policy, in order to get a permit for residence.