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statutory

Caisse Nationale de Sante (CNS)

82Score

★★★☆☆3.8

Customer satisfaction · 650K members

CNS: Universal Statutory Coverage (80-100% Reimbursement)(2025)

CNS is Luxembourg's single statutory health insurance fund covering all private-sector residents and cross-border workers (650,000+ members). It operates a reimbursement model where patients pay upfront and receive 80-100% reimbursement depending on service category. Voluntary membership is available at EUR 151.41/month with a 3-month waiting period.

Overall Score

82/100

Founded

2009

Headquarters

Luxembourg City

Type

statutory

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Key Metrics

Reimbursement Rate

80-100% depending on service

Medication Reimbursement

40%, 80%, or 100% depending on category

Voluntary Membership

EUR 151.41/month (3-month waiting period)

Cross Border Workers

Covered

Editorial Ratings

CNS: Universal Statutory Coverage (80-100% Reimbursement)(2025)

Rating: Single statutory health insurance fund for all residents (max: Sole provider)

82CAA

Coverage Highlights

✓Universal statutory coverage for all residents and cross-border workers
✓High reimbursement rates (80-100% for most services)
✓Third-party payment for medications
✓Health-maternity and long-term care branches
✓EU EHIC integration

Pros

✓Universal coverage with high reimbursement rates (80-100%)
✓Covers cross-border workers (significant in Luxembourg)
✓EU EHIC integration for travel within Europe
✓English website available

Cons

✗Reimbursement model requires upfront payment
✗3-month waiting period for voluntary members
✗Not all services fully covered (dental, optical gaps)
✗Bureaucratic claims process

Frequently Asked Questions

How does CNS reimbursement work?

CNS operates a reimbursement model: you pay for medical services upfront, then submit claims to CNS for reimbursement at 80-100% depending on the service category. Medications use third-party payment (pharmacies bill CNS directly).

Can cross-border workers use CNS?

Yes. CNS covers cross-border workers (frontaliers) who work in Luxembourg but live in neighboring countries. This is significant as Luxembourg has approximately 200,000+ cross-border commuters.

Do I need private insurance in Luxembourg?

While CNS provides strong coverage (80-100% reimbursement), many residents purchase complementary private insurance to cover gaps in dental, optical, private hospital rooms, and alternative medicine.

Quick Summary

InsurerCaisse Nationale de Sante (CNS)

Country🇱🇺 Luxembourg

Overall Score82/100

Satisfaction3.8/5

Members650K

Typestatutory

Founded2009

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Ready to get covered?

Visit Caisse Nationale de Sante (CNS) to learn more about their plans.

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