I. International health insurance Luxembourg
I. International health insurance Luxembourg
Do you need an international health insurance in Luxembourg?
Luxembourg has a public healthcare system funded by the Caisse Nationale de Santé (CNS), but it may not be accessible or sufficient for all expats, especially during the early stages of relocation or for those who are self-employed, on short-term contracts, or commuting cross-border.
Luxembourg is one of Europe’s wealthiest and most stable countries, attracting professionals, diplomats, and families from all over the world.
With a high standard of living and a multilingual environment, it is an ideal destination for expatriates. However, navigating local healthcare systems as a newcomer can be complex, making international health insurance a smart and strategic choice.
International health insurance in Luxembourg provides:
Full access to private clinics and English-speaking doctors
Faster appointments and direct billing in Luxembourg and abroad
Comprehensive protection for mobile families and professionals
Flexibility to remain covered regardless of employment status
Our Luxembourg-based advantages
Customizable plans that cover both Luxembourg and residence in a neighboring country
What our expat clients in Luxembourg value most ?
Freedom to choose providers inside and outside the CNS system
No exclusions for chronic or pre-existing conditions
Lifetime renewable coverage adapted to international lifestyles
No delays in diagnostics or outpatient care
Coverage for children attending international schools or traveling abroad
Destinations covered for Luxembourg residents
Our clients in Luxembourg often have international ties and require consistent coverage across:
What is the average cost of medical care in Luxembourg?
In Luxembourg, the private healthcare sector complements the CNS system. For those not yet affiliated, below are typical out-of-pocket costs:
Routine medical care
Routine care in Luxembourg is efficient and modern, especially in private clinics. Without local affiliation, expats often face full fees out-of-pocket.
€60 to €110
€200 to €450
€50 to €120
Dental care
Dental care in Luxembourg is widely available through private practices. Preventive and restorative treatments can be expensive without dedicated insurance.
€90 to €150
€100 to €180
€700 to €1,300
€1,600 to €3,000
Optical care
From prescription eyewear to ophthalmology exams, optical care in Luxembourg remains a frequent out-of-pocket expense for those without full private coverage.
€200 to €450
€35 to €90
€70 to €130
Medical imaging
Luxembourg offers high-quality diagnostic imaging, but services like MRIs and CT scans often require advance payment in private facilities.
€400 to €800
€100 to €200
€130 to €250
€280 to €600
Specialist consultations
Specialists are accessible in Luxembourg’s private sector, though fees can be significant without local public coverage or referral access.
€120 to €200
€90 to €160
€100 to €170
€130 to €250
€80 to €140
Hospitalization in Luxembourg
Hospital stays in Luxembourg, whether in private or public clinics, can lead to substantial costs without appropriate international or private health plans.
€350 to €600
€700 to €1,100
€2,500 to €8,000
€4,000 to €6,000
Intensive care:
€900 to €2,000
Per day
II. What every expat should know before moving to Luxembourg
II. What every expat should know before moving to Luxembourg
Relocating to Luxembourg means adapting to a highly regulated yet expat-friendly country, where healthcare, education, and public services operate across languages and borders.
Visa and residence permit
EU/EEA nationals can settle and work freely. Non-EU nationals need a long-stay visa, followed by a residence permit issued by the Ministry of Foreign Affairs. Documents required include proof of employment, income, housing, and health coverage.
Accommodation and housing
Luxembourg’s rental market is competitive. Rents for a one-bedroom apartment in the city start at €1,500/month. Lease contracts usually require 2-3 months of security deposit and proof of income. Furnished rentals are common for short stays.
| Education and schools
| Transport and mobility
| Employment and business
Luxembourg’s economy is driven by finance, EU institutions, and multinational companies. Fluency in English is often sufficient, though French or German is a plus. Entrepreneurs benefit from clear administrative processes and strong support for innovation.
| Language and integration
| Healthcare and insurance
| Cost of living and housing
III. Living in Luxembourg with peace of mind
III. Living in Luxembourg with peace of mind
Luxembourg offers stability, cultural diversity, and economic strength, making it a prime location for global professionals and families.
But full peace of mind requires more than a prestigious address.
OnlyHealth offers international health insurance designed for cross-border lives, tailored to the specific needs of expatriates in Luxembourg. With us, you’re protected wherever life and work take you.