Expat Healthcare in Luxembourg

Published on September 29, 2025 and written by Cyril Jarnias

Luxembourg, a small country at the heart of Europe, attracts many expatriates thanks to its exceptional quality of life and economic dynamism. If you’re considering moving there, you’ll be delighted to learn that the Luxembourgish healthcare system is renowned for its excellence and accessibility. Let’s explore together the essential aspects of healthcare for expatriates in this fascinating country.

A World-Class Healthcare System: Why Expatriates Can Feel Reassured

The Luxembourgish healthcare system is considered one of the best in Europe, offering high-quality care and extensive coverage. Expatriates can be fully reassured about the possibility of receiving good medical treatment in this destination.

Modern Medical Infrastructure

Luxembourg has hospitals and clinics equipped with cutting-edge technology. Healthcare facilities are distributed throughout the territory, ensuring good access to care, although most specialized structures are concentrated in the capital.

Highly Qualified and Multilingual Medical Staff

Doctors and nursing staff in Luxembourg are recognized for their expertise. Moreover, most healthcare professionals speak several languages, including French, German, and English, thus facilitating communication for expatriates.

Universal Health Coverage

The Luxembourgish healthcare system is based on the principle of mandatory health insurance. All residents, including expatriates working in Luxembourg, are automatically affiliated with the National Health Fund (CNS). This affiliation allows them to benefit from extensive health coverage.

Healthcare Budget in Luxembourg: Plan Ahead to Better Protect Yourself

Although the Luxembourgish healthcare system is efficient, it is important for expatriates to budget adequately for their healthcare expenses.

Costs of Medical Consultations

In Luxembourg, a consultation with a general practitioner costs about 50 euros, while a visit to a specialist can reach 100 euros or more. The CNS typically reimburses between 80% and 100% of these costs.

Hospitalization Fees

Hospitalization fees are largely covered by the CNS. However, there may be a co-payment remaining for the patient, about 22 euros per day for a maximum of 30 days per year.

Medications and Specific Treatments

Most prescribed medications are reimbursed between 40% and 100% by the CNS. Some specific or innovative treatments may require a higher financial contribution from the patient.

Supplementary Insurance

Many expatriates choose to take out supplementary health insurance to cover costs not reimbursed by the CNS, particularly for dental, optical, or certain specialized treatments. The cost of such insurance generally ranges between 50 and 200 euros per month, depending on the extent of coverage chosen.

The Best Private Clinics in Luxembourg: Medical Excellence Within Your Reach

For expatriates seeking the highest quality care, Luxembourg has several renowned private clinics. Here is a selection of the most reputable establishments:

1. Kirchberg Hospital

Located in the capital, Kirchberg Hospital is part of the Robert Schuman Hospital group. It is recognized for its excellence in many specialties, particularly cardiology, orthopedics, and neurology.

2. Bohler Clinic

Specializing in gynecology, obstetrics, and pediatrics, Bohler Clinic is the reference for maternity and women’s health care in Luxembourg.

3. ZithaKlinik

This multi-specialty clinic, located in the heart of Luxembourg City, offers a wide range of medical and surgical services, with a particular reputation in oncology and digestive surgery.

4. Sainte-Marie Clinic

Although smaller, Sainte-Marie Clinic is renowned for its geriatric care and functional rehabilitation, offering personalized care to elderly patients.

5. Centre Hospitalier du Nord

Located in Ettelbruck, this modern facility offers high-quality services in various specialties, making it an excellent option for expatriates living in the north of the country.

Practical Tips for Expatriates

To make the most of the Luxembourgish healthcare system as an expatriate, here are some recommendations:

• Ensure you are properly affiliated with the CNS upon your arrival in Luxembourg.
• Choose a primary care physician who can refer you to specialists if necessary.
• Keep all your medical receipts to facilitate reimbursements.
• Consider taking out supplementary insurance for optimal coverage.
• Familiarize yourself with emergency numbers (112 for medical emergencies).