AXA OptiSoins health insurance, health insurance for no-compromise benefits.

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.

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.

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.

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.

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.

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.

Luxembourg's public health insurance scheme, managed by the National Health Fund (CNS), covers most hospital admission costs, including medical and nursing care, drugs, laboratory tests and X-ray examinations.

However, you may still have to pay for certain expenses, such as the daily hospital charge, the supplement for a private room (1st class) or overrun fees. By taking out supplementary health insurance with AXA Luxembourg, you'll be better reimbursed for these out-of-pocket costs, and be eligible for additional coverage such as transport costs.

AXA Luxembourg health insurance covers treatment abroad, in particular thanks to the benefits covered by the policy, which include reimbursement of medical expenses not covered by Luxembourg social security. In the event of treatment abroad, the National Health Fund reimburses on the basis of agreed tariffs, and does not always cover all costs, which may be higher than in Luxembourg. As a result, the personal participation requested from the insured is higher. With an AXA Luxembourg health insurance policy, the insured is eligible for a reimbursement that tops up the National Health Fund payout, considerably reducing the out-of-pocket expenses.

It also includes assistance services such as repatriation in the event of a medical emergency.

In Luxembourg, private health insurance coverage for alternative medicine depends on the type of policy taken out. The National Health Fund offers basic cover that may not include alternative medicine, while supplementary healthcare insurers such as AXA offer specific packages for these practices, allowing reimbursement of the majority of costs incurred for alternative treatments such as osteopathy, chiropractic or acupuncture.

AXA Luxembourg offers extensive coverage for maternity expenses, including delivery in a private room (1st class), coverage of the delivery room bed for future dads, as well as practical day-to-day services such as tutoring, domestic help and pet-sitting during and after hospitalisation (on Luxembourg territory).

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.

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.