Health Insurance in Luxembourg, Europe

Information expatriation

Capital City: Luxembourg City
Total area: 2,586 km2
Population: 483,800 (2008)
Money: Currency Converter
Time Zone:  List of time zones by country
Calling Code: +352 XXX

Practical Information:

Wikipedia Luxembourg
Health Product: Travel Insurance and Health insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      Luxembourg has a universal healthcare model with compulsory public health insurance.

·      Around 80% of funding comes from employees/employers through payroll taxes. The government pays for the remaining costs and the uninsured.

·      Residents have access to a wide variety of healthcare services including doctors visits, hospital care, prescription drugs, dental care, etc.

·      Care is provided through general practitioners, specialists, hospitals and pharmacies.

·      The system is designed to promote high quality services and equal access for all residents.

·      Luxembourg spends about 7% of its GDP on health, above the European average.

·      Standards of care are world-class thanks to robust infrastructure and workforce.

·      Reforms aim to control costs and address issues like physician shortages.

Here are some key health considerations for expatriates living in the country:

·      Compulsory private health insurance is required for all residents and paid by employers in most cases.

·      Register with a general practitioner nearby for primary care access.

·      Quality is very high nationwide, but waits may occur for specialized services.

·      Consider supplemental private insurance for faster specialized care access if desired.

·      Bring adequate supplies of any maintenance medications, as brand availability can vary.

·      Learn some basic medical French or German terminology.

·      Vaccination history should be up to date, especially for hepatitis A, as hygiene standards are high.

·      Premiums are lower than private options thanks to universal coverage subsidies.