How to get state healthcare if you live, work or study in Luxembourg.
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This guidance will be updated if anything changes to how you get state healthcare in Luxembourg.
This information is about living in Luxembourg. There’s different guidance if you’re visiting Luxembourg.
State healthcare in Luxembourg is not completely free. Healthcare costs are covered by both the state and through patient contributions. These are known as co-payments.
Everyone must have health insurance in Luxembourg. If you live or work there, you need to register with a health insurance fund to get state medical care.
You may have to pay upfront for some treatment. Your health insurance fund will repay you for 80% to 100% of the costs later.
UK nationals usually access the Luxembourg healthcare system in one of these ways:
- paying social insurance contributions to a health insurance fund
- private health insurance
- using a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC) for temporary stays
- registering a UK-issued S1 form with one of the insurance funds
Healthcare if you live and work in Luxembourg
You must register as a resident if you’re living in Luxembourg.
If you’re employed or self-employed in Luxembourg, you must pay social security contributions to cover your health insurance.
There are 4 Luxembourg health insurance funds. The biggest fund is CNS.
The fund you pay into depends on your job. The Centre Commun de la Sécurité Sociale (CCSS) will ensure that you’re paying into the right one.
If you’re resident but not working, you should take out voluntary optional health insurance with CNS. This costs around 117 euros a month.
You can add your dependants to your insurance plan.
You can choose any GP (website in French) or a paediatrician for children. Your GP is usually your first point of contact for medical care, however you do not need a referral to see a specialist.
If you’re a resident and unemployed, you can apply for social welfare aid to cover your healthcare.
You may be entitled to a Luxembourg EHIC for travel, including visits to the UK.
You may also have the right to apply for a UK S1 if you start drawing a UK State Pension.
How to register
You first need to register as a resident.
If you’re employed, your employer will sign you up to pay healthcare insurance contributions.
If you’re self-employed or not working, you need to tell the Centre Commun de la Sécurité Sociale (CCSS). You must provide:
- a valid passport or ID card
- proof of address
- proof of residency
- proof of income
The CCSS will confirm once you’re signed up to the Luxembourg Social Security system.
Once registered, you’ll get an insurance card with your national social security number.
Show this card each time you visit your healthcare provider in Luxembourg.
How much you’ll pay
State healthcare in Luxembourg is not completely free. You’ll usually pay upfront for treatment.
Expect to pay around:
- 47 euros to see a GP
- 35 to 60 euros to see a specialist
- 32 euros for a dentist appointment
Depending on the service or treatment, you’ll get back 80% to 100% of the cost. You’ll get 40% back for non-essential medicines.
Keep the paid invoice and send it to your healthcare fund. They will refund your co-payment.
There’s a limit on how much you’ll have to pay for healthcare services each calendar year. You can get a refund on anything you spend over 2.5% of your annual salary.
Children and hospital in-patients get 100% of their healthcare costs back, unless they’re in a first-class hospital room.
If you get social welfare aid, your state healthcare will be free.
If your UK employer has sent you to Luxembourg temporarily (‘posted workers’)
A posted worker, also known as a ‘detached worker’, is someone employed or self-employed in the UK, but temporarily sent to a European Economic Area (EEA) country.
UK posted workers can access healthcare in Luxembourg using an EHIC, GHIC or S1 form.
If you have an S1, you’ll need to register it with the CNS. Once registered, you’ll be issued with an enrolment certificate. This will show you’re entitled to healthcare on the same basis as a Luxembourg citizen.
HMRC has a helpline for National Insurance enquiries from non-UK residents. They can answer questions about posted worker status and explain which documents you will need to get healthcare while posted.
UK-funded healthcare: using an S1 form in Luxembourg
There is different guidance if you have an S1 as a posted worker.
You may be entitled to state healthcare paid for by the UK if you’re a Luxembourg resident and receive a UK State Pension.
You may also be entitled to an S1 form if you’re a frontier worker (someone who works in one state and lives in another). You must contact HMRC National Insurance enquiries to find out if you’re eligible.
If you started living in Luxembourg before 1 January 2021, you may also be entitled to an S1 if you receive some other ‘exportable benefits’.
Once you have an S1 form, you must register it with the Luxembourg national health fund (CNS).
This will mean you and your dependants will be entitled to healthcare in Luxembourg on the same basis as a Luxembourg citizen.
You’ll also get:
Dependants and family members may be classified differently in Luxembourg than the UK.
Check with the local authorities when you register your S1 form.
How to get an S1 form
If you have a UK State Pension, you must request an application form by phone from NHS Overseas Healthcare Services.
NHS Overseas Healthcare Services
Telephone: +44 (0)191 218 1999
Monday to Friday, 8am to 6pm
Saturday, 9am to 3pm
How to use an S1 form in Luxembourg
You must register your S1 with the CNS, either by post or in person. You’ll also need to show:
- a copy of your ID card or passport
- a copy of your A1 certificate
- a copy of your UK-issued S1 form
Once you’re enrolled with the CNS, you’ll get either:
- a Luxembourg health insurance card, if you’re a Luxembourg resident
- an enrolment certificate, if your address is not in Luxembourg
This will show you’re entitled to healthcare on the same basis as a Luxembourg citizen.
Studying in Luxembourg
You can use an EHIC or GHIC to get medically necessary healthcare until the end of your study period.
Getting treatment in the UK
Some former UK residents do not have to pay for NHS treatment when visiting England. This includes UK nationals who started living in the EU before 1 January 2021.
Read more about healthcare when you no longer live in the UK.
If you return to live in the UK you’ll be able to use the NHS like any other UK resident.
Read more about using the NHS when you return to live in the UK.