In Luxembourg, you must pay the costs of medical care yourself first. Afterwards you can apply for reimbursement from the Luxembourg Caisse nationale de santé (National Health Fund) (CNS). It has a number of local agencies in Luxembourg. Contact information can be found on the CNS website. Useful information about healthcare and medical care is also available on Luxembourg´s health portal in French.
Show your valid European Health Insurance Card whenever you use any health service (doctor, hospital, pharmacy). In this way the staff knows that Luxembourg´s official schedule of fixed charges must be applied in your treatment.
You are free to choose a general practitioner or specialist. All doctors work with the CNS. You do not need a referral from a general practitioner to see a specialist. All doctors have a public health insurance contract, and therefore you can seek reimbursement in Luxembourg for the costs of treatment. Show your European Health Insurance Card and ID.
At the appointment, you pay the full cost of treatment yourself. Request a receipt for payments made so that you can seek reimbursement from the local CNS office. The level of reimbursement varies between 80 and 100 per cent. The reimbursement percentage depends on, among other things, the number of visits that have been made. Costs may be higher outside appointment times as well as at weekends and on public holidays.
You may consult any dentist. All dentists work with the CNS. For some dental treatment, you must seek approval from the CNS in advance, and therefore you should contact the CNS before your appointment and ask whether the costs of your treatment will be reimbursed. Beyond an annual amount of EUR 60 fully reimbursed, dental care is reimbursed at the rate of 88 per cent.
You can collect medicines prescribed by a doctor in Luxembourg from any pharmacy. Show your European Health Insurance Card and keep the receipt for your purchases. You can seek reimbursement from the health fund on the basis of the receipts and the prescription. The level of reimbursement varies between 0 and 100 per cent. Most medicines are reimbursed at a rate of 78 per cent. The level depends on the seriousness of the disease for which the medicine is intended. Some less necessary medicines are not eligible for reimbursement.
Be aware that in Luxembourg a prescription is required for nearly all medicines (for example, anti-allergy medicines). Some prescriptions must also be authorised by CNS before you will be given the medicine. Check with your doctor whether you should contact CNS before purchasing a medicine.
If necessary, a doctor can send you to hospital for treatment. All hospitals in Luxembourg are part of CNS. When you arrive at the hospital, show the referral, your European Health Insurance Card and your ID at the reception desk. In this way, CNS will pay for your hospital treatment (except for doctors´ fees) and you will be charged only a small standard fee. The daily fee for adults is EUR 20.93, which is limited to a maximum of 30 days per year. Patients under 18 are treated free of charge. If you want a private room, you must pay the additional costs yourself. Be aware that a doctor´s consultation is not included in the fee, and therefore you will have to pay this in hospital yourself. You can seek reimbursement for this in the same way as for other medical expenses.
Not all hospitals in Luxembourg have an emergency service outside office hours. The hospitals organise emergency service according to a rotating schedule. Information about which hospital is on emergency duty can be found in newspapers, pharmacies, doctors´ surgeries and on lists on the doors of all the hospitals.
You should take with you, along with documentation relating to treatment, towels, soap, a toothbrush and other personal items, as the hospitals invoice these separately.
Emergency ambulance transport is free of charge when you present your European Health Insurance Card and ID. In the case of non-emergency ambulance transport, you will be charged 30 per cent of the full transport rate (the amount is set by the authorities in Luxembourg and varies from time to time). You will be charged EUR 1.12 / km, with a minimum amount of EUR 34 per trip. Emergency air ambulance transport is free of charge.
If you have to pay all costs yourself
If you have to pay the full price for treatment at a local public healthcare unit for which you would have been entitled to reimbursement with a European Health Insurance Card, you can apply for reimbursement retrospectively. You can apply for reimbursement either from the health insurance institution of the destination country or Kela on form SV 128.