Health insurance in a nutshell
In Luxembourg, social security is divided into several branches. The National Health Fund (CNS) is responsible for two specific branches.
What are the responsibilities of the CNS and when can it be contacted?
Here is a summary of the main information that will enable you to assert your rights and better protect your family.
In a nutshell
Social security law in Luxembourg is divided into several branches: health and maternity insurance, accident insurance, pension insurance, family allowance and parental leave allowance, long term care insurance.
The CNS is responsible for health and maternity and long term care insurance.
This page provides a brief overview of:
- The responsibilities of the CNS.
- How to contact them.
- When to contact them.
Everything you need to know
- What is the CNS?
- How to contact them?
- When to contact her?
What is the CNS?
Divided into two branches - health, maternity and long-term care - the National Health Fund (CNS) manages the benefits for all PRIVATELY INSURED and STATE WORKERS.
For the public sector, three health insurance funds are responsible:
- the Health Insurance Fund for Civil Servants and Public Employees (Caisse de maladie des fonctionnaires et employés publics-CMFEP),
- the Health Insurance Fund for Communal Civil Servants and Employees (Caisse de maladie des fonctionnaires et employés communaux-CMFEC),
- the CFL Health insurance fund (Entraide médicale de la société nationale des chemins de fer luxembourgeois-EMCFL).
How to contact the CNS?
- By post
- By telephone
- By e-mail
- By visiting a CNS agency (insured persons)
(The ‘Contact us’ section below can be consulted)
When to contact the CNS?
TO GET REIMBURSED FOR HEALTH CARE
To obtain a refund, you must send the original paid invoices to the CNS. Don't forget to include your national identification number and attach a bank statement if this is your first request.
Good to know: from Luxembourg, there is no need to stamp the envelope.
TO REPORT INCAPACITY FOR WORK
The CNS manages the file and is responsible for the payment of compensation in the event of:
- Illness or accident;
- Exemption from work;
- Maternity or adoption leave;
- Leave to accompany a person at the end of life;
- Leave for family reasons.
TO OBTAIN CARE, SUPPLIES OR SPECIFIC MEDICINES.
The CNS validates the prescription and issues a certificate of coverage, for example for:
- Physiotherapy, speech therapy, psychomotor therapy sessions, etc.
- Prostheses (hearing aids, etc.)
- Certain medicines that require authorisation.
TO OBTAIN AN INTERNATIONAL FORM
As a Luxembourg affiliate residing abroad, the CNS provides the document required for registration with the local fund.
TO UPDATE PERSONAL INFORMATION
such as address, bank details, family situation, etc.
Good to know: for Luxembourg residents, the municipality of residence is responsible for updating the family status and address in the National Registry of Natural Persons (Registre national des personnes physiques, RNPP).
OBTAINING A DOCUMENT
To exercise your rights, you can contact the CNS to obtain various documents such as the social security card, the European health insurance card, or a co-insurance certificate.
It's easier on video!
Here is a video that explains the main competencies of the CNS and when to contact it.
Contact us
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