Health insurance, social security, and health insurance

Public health organizations in Luxembourg

The CCSS – Joint Social Security Center

In Luxembourg, the compulsory health insurance system is overseen by the CCSS or Joint Social Security Center. The CCSS is the central body. It is responsible for managing and regulating healthcare coverage.

Organization and missions of the CCSS

The CCSS or Joint Social Security Center in Luxembourg is a public body. It is responsible for registering insured persons. It collects, organizes, and processes computer data and contributions on behalf of various social security institutions, including:

• the National Health Fund (CNS) for private sector employees,
• public sector health insurance funds: the Health Insurance Fund for Civil Servants and Public Employees (CMFEP), the Health Insurance Fund for Municipal Civil Servants and Employees (CMFEC), and the Medical Assistance Fund of the Luxembourg National Railway Company,
• the Mutualité des employeurs (Employers' Mutual Insurance Fund), particularly for self-employed workers
• the Accident Insurance Association,
• the National Pension Insurance Fund and the Compensation Fund,
• the Fund for the Future of Children,
• the Employment Administration.

Prior registration with the CCSS is mandatory

In Luxembourg, anyone engaged in paid employment must be registered with the Joint Social Security Center (CCSS).

The employer must register the employee with the CCSS . The CCSS then registers the person with the relevant health insurance fund.

The spouse or partner (if they are not the main insured person themselves) and children are automatically insured under the main insured person. They are referred to as "co-insured persons." Please note that the CCSS must receive all the necessary documents when registering the main insured person (marriage contract, family record book, etc.). You can also submit your information via the CNS website.

Self-employed workers must take the necessary steps to register with the CCSS as soon as they start working. Self-employed workers can register with the CSS directly via MyGuichet.

Once registered with the CCSS, the citizen and their co-insured persons will be assigned a 13-digit national registration number.

Are you hiring a childminder, nanny, or au pair to look after your children? You must declare them to the CCSS.

Insurance contributions to the CCSS

Registration with the CCSS entitles you to social security, health and long-term care insurance, and old-age pension. You will also be entitled to reimbursement of medication and medical expenses or financial support in the event of sick leave or maternity leave.

Insurance contributions will be deducted directly from your gross salary by your employer. Find out more about gross/net salaries and calculate your net salary.

Administrative procedures with the CCSS

You can carry out several procedures with the CCSS, including:

• Ordering a Social Security card
• Ordering certificates of affiliation with the Luxembourg CSS. This request can also be made via Myguichet.lu for immediate receipt of the document in .pdf format.
• Reporting a change of address
• ...

The CCSS is open by appointment for all requests and personal information. Appointments can be requested via Myguichet.

Find out more about the Joint Social Security Center.

CNS – National Health Fund or D’Gesondheetskeess

The National Health Fund is the Luxembourg health organization responsible for private health insurance in Luxembourg (and their dependents) for all matters relating to their health.

This includes prevention, reimbursement of healthcare expenses, and health insurance in the event of illness, accident, maternity, dependency, or end of life.

Registration with the CNS and social security contributions

All private sector employees must register with the CNS. Upon hiring, the employer is responsible for registering the new employee with the CNS via the CCSS.

Employees contribute to social security every month from their salary. Their employer will pay them a net salary, after deducting employee contributions.

Where should sick leave and medical certificates be sent to the CNS?

When on sick leave, employees who are residents or cross-border workers must send the original (section 1) of the sick note prescribed by their doctor to the CNS. See our page on sick leave in Luxembourg.

The sick note must be sent to the CNS within three days to the following address:

National Health Fund
Service Contrôle et gestion des certificats d’incapacité de travail
4 Rue Mercier
L-2980 Luxembourg

The CNS will then be able to pay any compensation due to the employee in relation to these incapacities for work. The employer reports incapacities for work and hours of absence of its employees on a monthly basis.

For specific cases of maternity and parental leave, click here.

Where should CNS health reimbursement claims be sent?

The CNS is also responsible for reimbursing the cost of medication and medical expenses incurred by the insured person under certain conditions.

Reimbursement claims must be sent to the following address in an unstamped envelope. However, you are responsible for the cost of sending the envelope by registered mail. See reimbursement of medical expenses.

National Health Fund
Reimbursement Department
4 Rue Mercier
L-2980 Luxembourg

Employees must send the second part of their sick note to their employer within a maximum of three days.

Find out more about the National Health Fund

CMFEP – Health Insurance Fund for Civil Servants and Public Employees

The CMFEP is the health insurance fund for civil servants and public employees.

Further information on social security institutions

For all your questions about social security institutions in Luxembourg (health insurance, accident insurance, pensions, long-term care, family benefits, etc.), visit the Luxembourg government website www.secu.lu.

Supplementary health insurance in Luxembourg

General principle of supplementary health insurance

While compulsory health insurance covers essential healthcare services, individuals have the option of taking out supplementary insurance to benefit from additional coverage for health-related risks. Supplementary insurance is not compulsory.

Supplementary insurance covers certain medical and healthcare costs that are not reimbursed by public bodies. For example, supplementary insurance reimburses private hospital rooms or alternative medicine.

Reimbursement rates may also be higher for certain health services. Supplementary insurance can reimburse up to 100% of certain medical services not covered by the CNS.

How does supplemental health insurance work?

The various insurance companies operating in Luxembourg all offer supplementary health insurance. Check their coverage options, rates, and benefits.

Please note that there is often a three-month waiting period between signing the contract and coverage of healthcare costs. You will probably also have to fill out a questionnaire about your health and that of your co-insureds. Certain expenses will be clearly excluded from reimbursement, such as orthodontic costs that have already been incurred, for example.

When you submit a claim for reimbursement, the insurer will assess the claim, deducting any reimbursements already made by the public health insurance funds. They will reimburse you for part of the costs according to the agreed coverage rates. Reimbursement rates vary depending on the service and the type of insurance coverage chosen when the contract was signed.