Insuring family members

Family members' insurance, also known as 'co-insurance', plays an important role in covering medical expenses of family members, thus guaranteeing access to quality care without compromising my family's financial situation.

On this page, the CNS informs me of the procedures to be followed depending on my situation.

Everything I need to know

I click on the tab that applies to me.

Which members of my family can I co-insure?

As the main insured, I can extend my health insurance cover to family members who do not have any personal cover. These are either:

  • My spouse or partner, in the event of marriage or PACS,
  • My legitimate, legitimate, natural or adopted child, or my foster child if the fostering is long-term and justifies a tax reduction, and for whose education and maintenance I am responsible.

Important! My child will continue to be covered up to and including the age of 29, provided their income is below the guaranteed minimum for a single person. From the age of 30, if they are still in higher education, their co-insurance may be granted/extended with the authorisation of the CNS.

How do I co-insure my minor child?

The co-insurance of my minor child (who has not yet reached the age of 18) born and residing in the Grand Duchy is automatic.

I do not need to take any steps.

The child is covered by a single principal insured, generally the person with whom they live or who is responsible for their education and maintenance. If more than one principal insured meets these conditions, the oldest principal insured becomes the principal insured.

What are the formalities for co-insuring my spouse, partner or adult child?

Co-insurance of a spouse, partner or adult child is not automatic. The formalities and supporting documents to be provided to the CNS differ according to the situations listed below.

I click on the button that applies to me to find out more.

I am living with my family in Luxembourg and I would like to apply for co-insurance for a member of my family who no longer has health insurance

As soon as I receive my spouse's/partner's/older child's declaration of withdrawal (déclaration de sortie) from the Joint Social Security Centre (CCSS), I contact the CNS co-insurance department by:

My family member is moving to Luxembourg after having been affiliated to a health insurance fund in Switzerland or a country in the European Economic Area
  1. If my spouse, partner or adult child was insured personally, I send the CNS the form S041 (formerly E104) drawn up by the former sickness fund, together with the details of the latter and the foreign social security number of my spouse/partner/older child. The CNS will then be able to draw up an application via the EESSI (Electronic Exhange of Social Security Information) system.
  2. If my spouse, partner or adult child was affiliated as a co-insured family member, I will send the CNS the co-insurance certificate issued by the former sickness fund to which I was affiliated.

My family member is moving to Luxembourg after having been affiliated to a health insurance fund in an country with bilateral agreement (Bosnia-Herzegovina, Cape Verde, Morocco, Montenegro, Tunisia, Turkey, Macedonia, Serbia)
  1. If my spouse/partner/adult child was affiliated in a personal capacity, I send the CNS the form provided for in the agreement (its name generally ends with ‘104’) drawn up by the former sickness fund. In the event of difficulties, I will provide the details of this sickness fund and the foreign social security number of my spouse/partner/child of full age to the CNS. The CNS will take care of the request.
  2. If my spouse/partner/adult child was affiliated as a co-insured family member, I send the CNS a certificate of co-insurance issued by the former sickness fund of affiliation.

My family member is moving to Luxembourg after having been affiliated to a health insurance fund in a non-agreement country (for example, the United States or Australia)

At my request, the CNS will send me a sworn declaration to be completed by my spouse, partner or adult child to be co-insured.

I contact the CNS to request the sworn declaration

Which members of my family can I co-insure?

If I am primarily insured in Luxembourg and I live abroad, my family members will also be able to benefit from my health insurance. As a frontier worker, it is the legislation of my country of residence that determines which members of my family can be co-insured, not Luxembourg legislation.

If I have a family member to co-insure, the competent fund in my country of residence must inform the CNS. Each member of my family considered as a dependant will need an individual registration form. My local fund will make the request to the CNS electronically via EESSI (electronic exchange of social security information).

Under the 'Procedures' tab, I can find out what I need to do with the health insurance fund in my country of residence.

What are the formalities for co-insuring a family member?

Co-insurance of a family member is not automatic.

If I have a family member to co-insure, the competent fund in my country of residence must inform the CNS. My local fund will make the request to the CNS electronically via EESSI (platform for the electronic exchange of social security information).

Please note: If I am a Belgian cross-border commuter, the request for co-insurance from my Belgian mutual insurance company is not made via EESSI, but via the form(s) provided for in the Belgian-Luxembourg agreement.

I therefore contact the fund in my country of residence to initiate the co-insurance request.

Do I have to provide any documents to the CNS?

In principle, the request from the health insurance fund in my country of residence is sufficient for the CNS to co-insure my family members.

If the member of my family to be co-insured does not yet have a 13-digit Luxembourg identification number, the CNS will contact me to request the following documents:

  • Co-insurance of a child: birth certificate and certificate of residence/household composition
  • Spouse's co-insurance: marriage certificate and certificate of residence/household composition
  • Partner's co-insurance: certificate of partnership. Partners who have registered a partnership abroad must make their partnership official in Luxembourg by applying to have their partnership entered in the Civil Register. Registering a partnership registered abroad in the Civil Register means that the partnership is treated as a Luxembourg partnership. Once the partnership has been registered, the Civil Register sends the partners a partnership certificate showing the date of registration.

I live in Luxembourg and my family members live abroad. Can I co-insure them?

If I am affiliated to the CNS and live in Luxembourg, I can co-insure a family member who does not have health insurance and lives in Switzerland, a country in the European Economic Area or a country linked to Luxembourg by a bilateral agreement (Bosnia-Herzegovina, Cape Verde, Morocco, Montenegro, Tunisia, Turkey, Macedonia, Serbia).

Which family members can I co-insure?

As my family member(s) live abroad, it is the legislation of their country of residence (and not Luxembourg law) that determines whether they are entitled to be co-insured.

What is the procedure?

The sickness fund in the country of residence sends the CNS an official request to co-insure the member of my family.

This procedure certifies that the family member I wish to have co-insured has no health insurance in his or her country of residence.

I therefore contact the health insurance fund in my country of residence, or my family member does so, to initiate the request for co-insurance.

I live abroad and have family members in Luxembourg. Can I co-insure them?

If I am a frontier worker or live abroad and receive a pension from Luxembourg, I can apply for co-insurance for a family member living in Luxembourg who does not have health insurance, provided that my country of residence is Switzerland, a country in the European Economic Area or a country linked to Luxembourg by a bilateral agreement (Bosnia-Herzegovina, Cape Verde, Morocco, Montenegro, Tunisia, Turkey, Macedonia, Serbia).

Which family members can I co-insure?

As the main insured person, I can extend my health insurance cover to family members who do not have any personal cover. These are either :

  • My spouse or partner, in the event of marriage or PACS,
  • My legitimate, legitimate, natural or adopted child, or my foster child if the fostering is long-term and justifies a tax reduction, and for whose education and maintenance I am responsible.

Please note! My child will continue to be covered up to and including the age of 29, provided their income is below the guaranteed minimum for a single person. From the age of 30, if they are pursuing higher education, their co-insurance may be granted/extended with the authorisation of the CNS.

What is the procedure?

I send my application to the CNS using the contact form.

Once my application is received, the CNS will decide whether it is admissible.

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