AXA Optisoins Health Insurance

• Example of a reimbursement for your glasses

  • Cost of your glasses: Lenses €370, Frames €166
  • CNS reimbursement: Lenses €60, Frames €30
  • AXA reimbursement: Lenses €310, Frames €136

  No out-of-pocket cost!

Do you still have a few questions?

• What are the differences between public and private health insurance in Luxembourg?

  In Luxembourg, health insurance is divided into two main categories: public health insurance and private health insurance. Public health insurance, managed by the National Health Fund (CNS), is compulsory for all residents and workers, guaranteeing equitable access to essential healthcare, and is financed by contributions from employees, employers and the State.

  Private health insurance, on the other hand, is optional and allows policyholders to benefit from additional cover, such as reimbursement of expenses not covered by the National Health Fund, including services such as private hospital rooms (1st class), better reimbursement for optical and dental care, and alternative medicine.

  Residents and cross-border commuters covered by the National Health Fund can therefore choose to top up their public insurance cover with private insurance to boost their healthcare protection.

• Is the National Health Insurance Fund (CNS) in Luxembourg sufficient to cover all my medical expenses?

  No, as a general rule, the National Health Fund will not cover all medical expenses in Luxembourg. Although the National Health Fund reimburses a significant proportion of healthcare expenses, such as visits to the doctor, prescription drugs, dental care and prostheses, and hospitalisation, the patient often has to pay a significant proportion of the costs. To optimise the reimbursement of your medical expenses, we recommend that you take out supplementary health insurance to cover the difference between what the National Health Fund reimburses and the actual cost of care. Supplementary insurance is not compulsory, but it can be a good investment to anticipate unforeseen health problems.

• What are the requirements for purchasing private supplemental health insurance in Luxembourg?

  To take out supplementary private health insurance in Luxembourg, you need to be affiliated to the National Health Fund (CNS), which covers the majority of medical expenses on the basis of an agreed tariff, but often leaves you with out-of-pocket expenses in view of the much higher actual tariffs, particularly for dental and optical care. Criteria include resident or cross-border commuter status, payment of compulsory social security contributions, and the possibility of choosing a supplementary health insurance plan for better coverage.

• Is it mandatory to have supplemental health insurance?

  In Luxembourg, it is not compulsory to take out supplementary health insurance, although it is strongly recommended to cover medical expenses not reimbursed by compulsory health insurance. Residents and workers must be affiliated to the National Health Fund (CNS), which offers basic coverage, but supplementary insurance can provide better reimbursement of remaining costs.

• How does the reimbursement of medical expenses work in Luxembourg?

  To have medical expenses reimbursed in Luxembourg, it is necessary to submit the original fee statements or receipted invoices, accompanied by proof of payment, to the National Health Fund.

  Since 2024, Immediate Direct Payment (PID) has been available to doctors. When consulting a general practitioner, specialist or dentist in Luxembourg, the portion covered by the National Health Fund is paid directly to the doctor, provided that the doctor concerned has signed up to the PID scheme. The insured person no longer needs to advance the costs covered by the National Health Fund, and only pays their personal participation to the doctor.

  Among the many reimbursable benefits, the National Health Fund covers hospitalisation, medical consultations, dental care and prescription drugs, which are reimbursed in part or in full according to an established tariff schedule.

  As the National Health Fund does not always cover all expenses, we recommend that you take out supplementary health insurance to guarantee better reimbursement of your healthcare costs.

• How are prescription drugs covered in Luxembourg?

  In Luxembourg, drug reimbursement is managed by the National Health Fund, which covers a portion of the cost according to a list of approved drugs. Drugs may be reimbursed at a rate of 40%, 80% or 100%, depending on their classification. However, a portion of the cost often remains payable by the insured.

  AXA's supplementary health insurance covers the cost of drugs , even outside hospitalisation or serious medical treatment. So by taking out supplementary health insurance with AXA, you'll benefit from better reimbursement of your drugs and extended cover for alternative medicine, depending on the plan you choose.

• What are the waiting periods (or qualifying periods) that apply to private health insurance in Luxembourg?

  Waiting periods for private health insurance in Luxembourg vary from company to company, but are generally 3 months from the date the insurance takes effect. Some insurers also apply special waiting periods of 6 to 12 months for certain services, such as dental treatment, orthodontics or childbirth.

  It's important to check the special conditions of each policy. In the event of an accident, waiting periods do not apply and the insured is covered for medical treatment.

• Can cross-border workers purchase health insurance in Luxembourg?

  Cross-border commuters can take out health insurance in Luxembourg. However, it is crucial to check whether cross-border healthcare is covered by the insurance you've chosen, as reimbursements can vary from country to country. Cross-border commuters must also register with the health insurance fund (social security) in their country of residence to qualify for healthcare reimbursements. For cross-border workers, the health insurance fund responsible for reimbursing medical expenses is determined by the country in which medical treatment is received, and by any applicable bilateral and/or international agreements.