Third-party payment system
In this case, the insured person pays the physiotherapist only the portion payable by them and the physiotherapist sends an invoice to the CNS at the end of the treatment to receive the part of the costs covered by health insurance. The physiotherapist hands back the prescription to the insured person and issues a fee note which clearly indicates the portion payable by the insured person and the one payable by the CNS.
The third-party payment system only applies if the request for validation is done directly by the physiotherapist and the physiotherapy treatments are provided in the Grand Duchy. When the request for validation comes from the insured person or the physiotherapy treatments are provided outside the Grand Duchy of Luxembourg, the insured person has to pay the costs upfront. The portion covered by the health insurance is then reimbursed upon request.
Please note that for cross-border workers, the local health fund is responsible for covering healthcare received in their country of residence.
Advance of costs by the insured person
In this case, the physiotherapist gives the insured person an invoice for the total amount to be paid at the end of the treatment, i.e. the portion covered by the fund and any remaining portion payable by insured. After payment, the insured person applies for a reimbursement of the portion covered by health insurance with their competent fund (the CNS or the public sector health fund)
To be eligible for a refund, the physiotherapy invoice must:
- indicate the 13-digit identification number, the insured's full name and the number of the certificate of coverage,
- be paid in full,
- be submitted with the medical prescription.
The rate at which costs are covered is 70% for common pathology treatments.
Treatments for severe pathologies or a post-surgery rehabilitation, as well as treatments for children under the age of 18, are fully covered.
Note that some supplements that may be invoiced under the physiotherapist’s convention are not covered (such as charges for cancelled appointments).