Death and funeral costs

The funeral allowance is a financial aid intended to cover the costs associated with the funeral of a deceased person insured or co-insured in Luxembourg. It is intended to ease the economic burden that these unforeseen expenses may represent.

On this page, I can find information on the conditions of eligibility and the steps required to receive the funeral allowance.

Everything I need to know

What are the conditions to quality for the funeral allowance?

In the event of the death of an insured person in Luxembourg or a co-insured family member, a funeral allowance is paid.

To be entitled to this allowance, the deceased must:

  • either have been insured themselves and have paid contributions in Luxembourg,
  • or have been insured as a co-insured person under the health insurance scheme (=dependent family member).

Who is the funeral allowance paid to?

The funeral allowance is paid up to the amount of the costs incurred to the person or institution that paid the costs upfront or, if a public body has commissioned the funeral provider, directly to the latter.

Any balance remaining is paid in the following order: to the spouse, children, father and mother, brothers and sisters, provided that these persons lived in the same household as the insured.

How do I claim the funeral allowance?

If I have advanced funeral expenses for a deceased person who was insured, all I have to do is send the CNS by post:

  • duly paid and receipted invoices,
  • the death certificate,
  • a bank identity statement (relevé d'identité bancaire RIB) of the beneficiary of the funeral allowance,
  • proof of payment.

Payment will be made to the account of the person named as the ‘instructing party’ (donneur d'ordre) on the proof of payment.

What is the amount of the funeral allowance?

In the event of the death of an insured person or a co-insured family member, a lump-sum funeral allowance of €1,227.76 is paid.

This funeral allowance is also paid if the child is stillborn. A stillborn child is defined as a child born viable and non-living. A child is presumed to be viable if, according to the medical certificate, the gestation period has lasted more than 22 weeks since conception.

In the event of the death of an insured person during in-patient treatment abroad, duly authorised by the CNS with an S2 form, the health insurance scheme will contribute to the repatriation of the mortal remains from the place of treatment to the place of stay, up to a lump sum of currently €1,227.76.

What funeral expenses are taken into account for the funeral allowance?

  • The coffin and customary funeral decorations (chapelle ardente, wreath),
  • a wreath of flowers,
  • transport of the coffin and flowers,
  • opening and closing the grave,
  • religious burial and funeral service,
  • cremation,
  • the usual funeral notices published in the press,
  • communal fees and taxes.

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