Affiliation in Luxembourg
Students who live in Luxembourg and are regularly enrolled at a university institution abroad must be affiliated with a Luxembourg health insurance fund in order to benefit from reimbursement of their healthcare costs in the country of study and in Luxembourg.
The resident student may be affiliated either as a co-insured family member (with the father or mother) or on a personal basis, if co-insurance is not possible.
If co-insurance applies, the competent fund is that of the main insured, either:
- the National Health Fund (Caisse nationale de santé / CNS) for the private sector,
- the Sickness Fund for Civil Servants and Public Employees (Caisse de maladie des fonctionnaires et employés publics / CMFEP) or the Sickness Fund for Civil Servants and Municipal Employees (Caisse de maladie des fonctionnaires et employés communaux / CMFEC) for the public sector, or
- the Medical Mutual of the CFL (Entraide médicale des CFL / EMCFL) for employees of the Luxembourg railways.
The CNS is in charge of students affiliated on a personal basis.
The necessary steps for co-insurance must be taken directly with the competent fund, while the Joint Social Security Centre (Centre commun de la sécurité sociale CCSS) should be contacted in the event of personal, compulsory or voluntary affiliation.
Healthcare in the country of study
Studies abroad are considered a temporary stay abroad. During this stay, a student may require immediate access to healthcare. In general, it is recommended that the student contact the competent social security institution in the country of study to inquire about the terms of reimbursement and coverage for healthcare in that country.
Countries outside the European Union (EU), the EEA and Switzerland, but bound by bilateral agreement with Luxembourg
The countries are:
|Bosnia and Herzegovina||LU/BiH111|
|Cape Verde||LCV/5 (5-40)|
|Macedonia||European Health Insurance Card
||European Health Insurance Card|
||LUX QUE 4|
|Serbia||European Health Insurance Card|
If the student is studying in one of these countries, they must submit a form to the social security institution of the country of study. This form certifies that they are entitled to benefits in kind for the duration of their stay. The student must submit the relevant form to the institution in the country of study in order to be registered and thus benefit from care under the same conditions as residents. The student may then submit invoices directly to the competent institution on site, which then reimburses the medical expenses incurred during the stay according to the rates and tariffs it applies. The student can also send the invoices to the competent Luxembourg fund for a reimbursement according to the Luxembourg conditions, rates and tariffs.
It is recommended that the student request information from the institution of the country of study about the conditions of coverage and reimbursement.
The appropriate form must be ordered at least fifteen days before departure.
Non-contracted healthcare providers (in other words, private providers) will not accept the form. The student has to pay the invoices and then request a reimbursement from the competent Luxembourg fund.