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, and not bound by bilateral agreement with Luxembourg
These are all the other countries in the world, outside the EU, the EEA and Switzerland and not bound by bilateral agreement with Luxembourg, such as the United States, Australia,....
Invoices from these countries are to be sent to the competent Luxembourg health fund and are reimbursed according to the Luxembourg rates and tariffs, provided that the tariffs applied in Luxembourg cover the situation in question.
To be eligible for reimbursement, it is essential that bills be:
- detailed (using medical expressions and non-coded terms) and
- worded in one of the following languages: English, French or German.
The costs of medical and hospital services can differ significantly from one country to another and even cost substantially more than in Luxembourg. Hence, there may be a considerable difference between the costs incurred and the reimbursement of the CNS, to the disadvantage of the insured. If a student studies in one of these countries, it is recommended to take out additional insurance. To do this, the student can contact a private insurer specialised in this type of coverage.
Students should also obtain information from the social security institution of the country of study about how the health system works, how healthcare is provided, the cost of care, etc.