Best Health Insurance in Luxembourg
5 insurers ranked and reviewed · Updated May 2026
Healthcare System Overview
Luxembourg operates a statutory social insurance model through the Caisse Nationale de Sante (CNS), which is the central health insurance body for all residents. Health insurance is mandatory for everyone living or working in Luxembourg (and those staying 90+ days). The CNS reimburses at 80-100% depending on service category, with medications reimbursed at 40%, 80%, or 100%. Private complementary insurance is widely used to fill gaps, especially for private rooms, dental, optical, and alternative medicine.
About Health Insurance in Luxembourg
Luxembourg operates a statutory social insurance model through the Caisse Nationale de Sante (CNS), which is the central health insurance body for all residents. Health insurance is mandatory for everyone living or working in Luxembourg (and those staying 90+ days). The CNS reimburses at 80-100% depending on service category, with medications reimbursed at 40%, 80%, or 100%. Private complementary insurance is widely used to fill gaps, especially for private rooms, dental, optical, and alternative medicine.
Our editorial team has evaluated and ranked the top 5 health insurers in Luxembourg based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.
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