Luxtoday
Healthcare and welfare

Health care system in Luxembourg

Find out all about how the healthcare system works in Luxembourg, from registering with the system to seeing a specialist.

Last time updated
07.05.24

Luxembourg's healthcare system is accessible to everyone in the country: residents and the large number of expatriates, including those working across the border.

If you look at the 2022 Bloomberg Global Health Index, Luxembourg ranks 11th among the healthiest countries. The Grand Duchy seems to spend very little on health care. Thus, Luxembourg is ranked 114th in terms of GDP spending on it, which means 5.5%.

5,5% GDP
how much Luxembourg spends on the health care system
11th place
ranks Luxembourg in the top 25 healthiest countries in the world
$5813
average per capita expenditure over 20 years: 2000 to 2019

Why is the Bloomberg Global Health Index data significant?

  • The ranking is based on data from WHO, the UN Population Division and the World Bank and covers 169 countries.
  • The result is composed of a set of figures. It considers life expectancy, access to clean water and health care, anti-smoking and anti-obesity measures and the environment.

Thus, the quality of the health care services provided in the Grand Duchy is the highest. All citizens have free access to the public health system. It includes public health centers and hospitals, pharmacies, patient care services. You can ask for help in private medical offices. Also, they are overwhelmingly accredited by the National Health Fund (CNS).

What makes the health care system so effective

There are many reasons for this. Let us tell you about only the most significant ones.

Key points
Insurance covers up to 100% of your medical expenses.
National health insurance covers a wide range of medical treatments, from tests to prostheses, and others. 
Patients are free to choose their doctor and hospital.
Children are provided with medical care under their parents’ or guardians’ insurance.
Primary health care in Luxembourg is provided by private doctors, the majority of whom work individually in their offices.
There is a well-developed network of physicians accredited by CNS. But before treatment, the patient must make sure that the doctor works as part of the national healthcare program.
The Ministry of Health schedules the work of the hospital and pharmaceutical sectors, and co-finances national health programs.
The Ministry of Social Welfare monitors the quality of healthcare services financed by the state.

The Ministry of Health has its own portal to help you find qualified professionals and important health information:The Ministry of Health has its own portal to help you find qualified professionals and important health information:

  • The directory of medical specialists;
  • Information on the authorization of doctors and other healthcare workers;
  • Reports on relevant health issues;
  • Various medical publications;
  • Healthcare news and an events calendar;
  • Information on diseases, medical tests and procedures;
  • Data on reimbursement of healthcare costs;
  • Healthcare laws;
  • Campaigns of the Ministry of Health and advice on health promotion and disease prevention.
Medicine
Doctors
Checkup
If you're a foreigner, your introduction to the system will begin with a medical checkup when you arrive.
Read more

The application process for government insurance is usually a fairly easy process.

Required documents
Once you have collected all the documents, you can apply for a CNS card.
*The mandatory items are marked with red asterisks.
Proof of identity
Passport, ID card, etc.
Proof of residence
e.g. utility bill receipt
Proof of residence in Luxembourg
Residence permit
Document confirming your employment
Contract
Once you have collected all the documents, you can apply for a CNS card.
*The mandatory items are marked with red asterisks.

In order to obtain insurance, you must make an appointment at the Social Security Center (CCSS). You will receive all your documents and the card will be issued after verification.

You can apply for an appointment online

  1. Go to MyGuichet.lu and select the "Appointment booking" 
  2. Read the mandatory information on the CCSS website and confirm your consent to the processing of personal data.
  3. Provide personal information including first and last name, contact phone number and email, date and place of birth.
  4. Detailed description of the purpose of the upcoming meeting
  5. Select a meeting date and attend CCSS

You will receive your card in 3 weeks at the address of your official residence

Why one might need private health insurance

Government insurance, even if it is affordable, does not cover 100% of medical costs. And some services are not covered at all, such as some services for pregnant women. In such cases, you can use the services of a private insurance company.

I sent the checks to CNS to be reimbursed for most of it, and I will send the rest to the Caisse Médico-Complémentaire Mutualiste (CMCM). This is secondary insurance that I took out as soon as I found out I was pregnant. It is very useful because I did not have to pay for a single room.
a comment from our reader in an interview with Luxtoday

a comment from our reader in an interview with Luxtoday

Read more

Private insurance is arranged on a case-by-case basis. Coverage and costs depend on the benefits specified in the policy.

Once you have your CNS card, you can make an appointment. This is not difficult. Just follow a few simple steps:

  1. Check that you have all your documents and insurance (passport, residence permit, CNS number, etc.)
  2. Go to Doctena.lu and select the specialist you need.
  3. Make an appointment and wait for your scheduled date.
  4. At your appointment, you will receive a specialist's recommendation and a prescription for the medication you need.
  5. Buy your medications from a pharmacy. Keep all receipts and checks.
  6. Request reimbursement from CNS or private insurance if you have a contract.

Read more about each step in a special guide:

Healthcare
Medicine
Doctors

Hospitals and clinics in Luxembourg

There are many public and private hospitals in Luxembourg. For practical reasons, the former are grouped together in hospital centers that offer patients a full range of medical services.

Hospitals are also divided into general and specialized facilities.

Centre Hospitalier du Luxembourg

Схема расположения клиник CHL. Источник: официальный сайт CHL
Схема расположения клиник CHL. Источник: официальный сайт CHL

One of the major and best medical centers in Luxembourg, located in the south of the capital. It has four hospitals, two of which are specialized and two — general hospitals.

CHL - Centre

General Hospital, located at 4, rue Ernest Barblé, L-1210 Luxembourg (Belair). Phone: (+352) 44 11 11

CHL - Maternité

This clinic is specializing in gynecology and maternity care, located at the same address as CHL-Centre. Phone: (+352) 44 11 11

CHL - KannerKlinik

The hospital's profile is pediatrics. Located on the same campus as the previous two. Phone:  (+352) 44 11 31 33

CHL - Eich

A general hospital separate from the main center. Located in the north of the capital at the following address 78, rue d'Eich, L-1460 Luxembourg. Phone: (+352) 44 11 12

CHL is a full-service medical center that provides all kinds of care to patients, including emergency medical and dental care.

Les Hôpitaux Robert Schuman

скриншот сайта
Источник: hopitauxschuman.lu

The second largest hospital center in Luxembourg. Like the CHL, the Robert Schuman complex consists of four institutions: two general and two specialized. The main difference, however, is that almost all the clinics are on different sites.

Hôpital Kirchberg

General Hospital, located at 9, rue Edward Steichen, L-2540 Luxembourg. Phone: +352 24681.

ZithaKlink

Another general hospital. Address: 20-30 rue d'Anvers, L-1130 Luxembourg. Phone: +352 2888 1.

Clinique Bohler

This hospital specializes in gynecology and maternity. It is also one of the most popular birth clinics in Luxembourg. You can read more about it in our interview about pregnancy and childbirth. Clinic address: 5, rue Edward Steichen, L-2540 Luxembourg. Phone: +352 26333 1.

Clinique Sainte Marie

A specialized hospital whose profile is the care of the elderly and the treatment of age-related diseases. Located at 7-11, rue Wurth-Paquet, L-4350 Esch-sur-Alzette. Phone: +352 57123 1.
I was referred to the Bohler Clinic to see Dr. Schtiber for the second-trimester screening. My gynecologist Agnessa, works with this clinic and all her patients give birth there. She used to deliver babies herself but later decided to give up the practice because it took up a lot of her time. Dr. Schtiber is very well known in Luxembourg and it's said that it's almost impossible to get an appointment with him.
a comment from our reader in an interview with Luxtoday

a comment from our reader in an interview with Luxtoday

Read more

Luxembourg has a large number of public and private medical centers. A detailed description of the clinics can be found in an article in our Knowledge Library.

Hospitals
Medicine
Health
Hospitals in Luxembourg: what help is available and who can get it
Read more

Luxembourg pharmacies are open almost in the same way as most shops: from 8 a.m. or 9 a.m. to 6 p.m. on weekdays and from 9 a.m. to 1 p.m. on Saturdays.

On Sunday and at night, most pharmacies are closed!

There are also pharmacies that are open 24 hours a day, but there is a 5-10 euro surcharge for after-hours purchases. This is not covered by your insurance.

Amount of compensation by the insurance system

100%
Medications for severe and chronic diseases
80%
Most of the medications prescribed by your doctor
40%
Drugs in wide demand: analgesics, antipyretics, etc.
0%
Vitamins and supplements, over-the-counter purchases.

You cannot buy drugs without a prescription anywhere. A pharmacist is responsible for your health, so he will not sell you a restricted drug without a doctor's prescription.

The pharmacist can also consult with your doctor by phone if he or she wants to substitute the drug or suggest analogs.

Can I buy medication without a prescription?

Only over the counter medications are covered. If you buy medicine without a doctor's prescription, no insurance will reimburse you. This is the main reason why Luxembourgers go to the doctor at the first opportunity

Urgent medical care in Luxembourg is expensive, but is also covered by insurance if your case was truly an emergency.

Emergency number for the Grand Duchy — 112.

Source: Illustration by Luxtoday with information from Sante.lu
Source: Illustration by Luxtoday with information from Sante.lu
120 euro
The cost of an ordinary ambulance
270 euro
The cost of an ambulance with the doctor

If the patient is not lying down during transport, the emergency "taxi" service will cost more.

Hospitals for urgent care in Luxembourg

In Luxembourg, several hospitals are open around the clock for emergencies, offering specialized care for those in need. When you call an emergency, you will be taken to the closest hospital that is on duty.

CHL KannerKlinik
This emergency department is equipped to handle a wide range of medical emergencies, especially those that happen with children. The Paediatric Emergency is located on the ground floor.
CHL Maternity Urgences Policlinique
A special emergency clinic for pregnant women and expectant mothers. Qualified maternity care is provided here.
Hôpital Kirchberg
Hôpital Kirchberg Clinique Bohler is open 24 hours a day, 7 days a week. It provides emergency care for children and adults.

В Luxembourg has a large number of doctors. It is easy to find the right specialist through the Doctena.lu website or by contacting a private clinic.

Women's health
Healthcare for children
Vaccination for children
Dental care
Psychological help
faq

Frequently Asked Questions (FAQ)

Who can seek medical help?

How much does it cost to get treatment in Luxembourg?

Can I call an ambulance?

We took photos from these sources: Unsplash, hopitauxschuman.lu, CHL

Authors: Aleksandr, Kadriia
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