How to be reimbursed

Everything I need to know

How do I obtain reimbursement by bank transfer?

To obtain reimbursement of my healthcare costs, I must send the original documents and proof of payment. I have two years from the date of payment of an invoice to submit my claim for reimbursement.

I must provide the following documents and information to the CNS.

1. Original invoice

I must send the original invoices and bills by post to the CNS.

Invoices and statements of fees must show the 13-digit identification number of the person who received the treatment (mine or my family member's).

If I want to keep copies for my own use, I should make the copies before submitting my claim to the CNS.

2. Proof of payment

I must pay in advance and provide the CNS with proof of payment.

What counts as proof of payment?

The following will be accepted as proof of payment:

  • The words 'duly cleared on' followed by the healthcare provider's signature and the date of payment.
  • My bank's stamp or signature with the words 'paid', 'for receipt', 'transfer carried out', etc.
  • The printed bank debit advice note (Luxembourg) bearing the reference number shown on the doctor's invoice.

What documents do I need to provide if my bank is a foreign bank?

If my bank is a foreign bank, I must provide a document (e.g. bank statement, debit advice, etc.) clearly stating that:

  • that the payment has been made and the amount debited from my account,
  • the date of payment,
  • the reference number from the doctor's invoice.

Please note that screenshots will not be accepted.

I paid via internet banking. What documents do I need to provide?

I need to print out the debit statement. It's not enough to provide a simple payment order.

The debit statement is generally available the day following the payment order.

3. Indication of bank account

For my first claim or if I change my bank account, I will communicate my bank details to the CNS using the online procedure 'Request for a change of bank/postal account with a health insurance fund', with or without LuxTrust authentication.

I open the online procedure on MyGuichet.lu

Each time I receive a reimbursement statement, I can check that my bank details are up to date.

Once provided, my bank account will be registered by CNS. I should avoid providing this information with each refund request, as each new communication of the same details will result in an additional check and may delay my refund.

How can I get an instant refund at an agency?

To receive an immediate reimbursement by cheque or direct bank transfer, I must visit a CNS agency and meet two conditions:

  • The total amount of medical expenses must be at least €100 per household.
  • My bills or invoices must have been paid less than 15 calendar days before I present them at the branch.

In view of the large number of insureds visiting our agencies, we currently accept reimbursements by instant bank transfer or by cheque if you have made the appointment, by any available means, within 14 days of the date of payment of invoice. I click here to go to the ‘CNS Agency Appointment Booking - How it works’ page.

Are there any services that cannot be reimbursed at an agency?

The following services cannot be reimbursed in an agency:

  • All services abroad, with the exception of funeral expenses and monthly/semi-annual lump sums for medical food products and nappies;
  • All physiotherapy invoices;
  • All dietician invoices.

How do I cash a cheque?

The cheque issued by the CNS is nominative: it is made out in the name of the person who visited the CNS agency and only that person is authorised to cash it.

Cheques issued by the CNS must be cashed by the person who visited the agency at a post office in Luxembourg within 30 days of issue.

Please note! After 30 days, the cheque can no longer be cashed. The expiry date is indicated on the cheque.

What is an instant transfer?

Instead of receiving a cheque, I can receive an instant transfer to my bank account. This is an advantageous solution because:

  • It's fast (a few seconds) and secure;
  • No waiting or travelling to cash a cheque;
  • It's a sustainable, environmentally friendly alternative.

Good to know: instant transfers can be made to all European banks that are ready for SEPA-ICT.    

I have a doubt? I ask my bank if they are ready for SEPA-ICT!

I can't come to the agency, can I appoint someone to come to the agency for me?

If I am unable to travel, I can authorise a person of my choice to go to a CNS agency with my invoices. I will fill out a power of attorney form using the standard template provided by the CNS.

The trusted person will come to the agency with the duly completed authorisation and a copy of their identity card and mine.

For an immediate transfer, this will be made to the trusted person's account.

Similarly, for a refund by cheque, the cheque will be made out to him or her.

I can access the standard power of attorney form here

Request for reimbursement of expenses advanced for a third party (other than my co-insureds)

If I have covered expenses on behalf of someone who is not one of my co-insureds, I can request reimbursement to my own account by using one of the following two forms:

  • Form A: For requesting reimbursement to my account for invoices I have paid on behalf of another person over a specified period.
  • Form B: For requesting reimbursement to my account for specific bills paid on behalf of another person. I need to include the relevant invoices with my request.

There is a third form for cancelling a previous declaration:

  • Form C: To cancel a previous declaration.

How do I obtain the forms?

How do I send the forms?

  • Forms A and C: I can send them by email to comptes.cns@secu.lu if no invoice is attached, or by post to the CNS if invoices are included: CNS - L-2980 Luxembourg.
  • Form B: I must send it with the invoices by post to the following address CNS - L-2980 Luxembourg.

Exact titles of forms

Formulaire A – Demande de remboursement Autre bénéficiaire pour une période déterminée

Formulaire B – Demande de remboursement Autre bénéficiaire pour les factures / mémoires d’honoraires joints

Formulaire C – Désactivation d’une demande de remboursement Autre bénéficiaire enregistrée dans la base de données de la CNS

I have paid for treatment abroad. What should I do?

I should check the following points before sending my claim to the CNS.

If I don't follow these instructions, my claim will be more complicated to process and it will take longer to get my money back!

  1. The 13-digit national identification number of the person who received the treatment must appear on each document.
    Example: If I have two invoices for my child, his or her number must appear on each document.

  2. I must send the original invoice.
    A simple copy is not accepted as an original, but I should keep copies for myself.

  3. As these are medical expenses incurred abroad, I must add a note specifying:

    • What treatment was given.
    • Why I received this treatment abroad.

  4. I must enclose any prescriptions, medical reports or other useful documents directly to my claim.

  5. As proof of payment, I must provide :

    • Either the original invoice stamped, signed and dated by the provider.
    • Or a debit advice note stating ‘paid’, ‘transfer carried out’, etc.

Important: Screenshots of debit advices are not accepted!

Healthcare abroad
The procedures for access to care and reimbursement vary depending on whether the care is unplanned (=necessary care) or planned.
For certain scheduled treatments, I must obtain prior authorisation from the CNS.
I can click on the links below for detailed information.

I require information on scheduled treatment abroad I require information on unscheduled ('urgent') treatment abroad

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