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 of the European Union (EU), the European Economic Area (EEA) and Switzerland
The countries are:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.
Iceland, Liechtenstein, Norway.
It is recommended that the student register with the competent social security institution in the country of study. Usually, healthcare costs are also covered upon presenting the European Health Insurance Card, but a prior registration will simplify the formalities for reimbursement.
If, for any reason, registration is not possible, necessary healthcare can still be covered based on the European Health Insurance Card. These treatments are provided in accordance with the legal provisions of the Member State of stay and reimbursed according to the rates applied there.
The card certifies the right in the Member State of stay to necessary medical care in order for the student to be able to continue their stay in safe medical conditions instead of being forced to interrupt the stay in order to be treated at home.
The European Health Insurance Card can only be accepted by contracted providers, i.e. those who are linked to the social security scheme of their country. However, if care is administered by a non-contracted / private provider, the medical costs can be reimbursed in accordance with Luxembourg conditions and tariffs. The institution of the country of study can provide information about contracted and non-contracted providers.
If, in the event of necessary treatment, a healthcare provider does not accept the European Health Insurance Card, the student must pay the costs for the medical treatment received and request reimbursement either from a health insurance fund in the country of stay or from his competent Luxembourg fund.
- If the student submits the invoices to the fund of the country of stay, they will be reimbursed according to the rates and tariffs of the country of stay.
- If the student submits the invoices to the competent Luxembourg fund, the latter will submit a tariffication request to the fund of the country of stay (using form E126 / S067). As soon as the competent fund receives an answer, the student will be reimbursed according to the rates and tariffs of the country of stay. In addition, when submitting invoices to the competent fund, the student may explicitly request a reimbursement in accordance with the Luxembourg rates and tariffs.
With a contracted healthcare provider and in the event of necessary care, the European card should not be rejected.
If the student does not have the card and in case of necessary treatment, they will have to pay the costs of the services received and request a reimbursement from his competent health insurance fund upon his return.
Before leaving for one of these countries, it is important to check whether the European card is still valid.
If necessary, a provisional replacement certificate for the European Health Insurance Card may be requested from the competent fund.
Finally, any non-refundable service in Luxembourg remains non-refundable if it is provided on the territory of another EU Member State (e.g. adult orthodontics, osteopathy, alternative practitioner...).
Coverage of certain treatments such as physiotherapy requires the issuance of a certificate of coverage by the CNS.