An overview of the main international health insurance providers for expats and cross-border workers in Luxembourg.
Comparison last updated: July 2026, from the insurers’ public documentation. Our method: we review each insurer’s public offer documents, compare guarantees, options and exclusions, and summarise the differences that actually matter. We are independent and are not an insurer.
Luxembourg has one of Europe’s highest proportions of foreign residents — nearly 48% of the population. Upon arrival, expats face a CNS registration waiting period during which private international coverage is essential.
Many expats also maintain international health insurance to supplement CNS coverage, especially for dental, optical, and private hospital room costs. Luxembourg’s large population of EU institution employees and international corporate staff drives demand for globally portable plans with worldwide coverage.
Luxembourg counts more than 233,000 cross-border workers (Q1 2026, STATEC) — nearly half of the country’s salaried employment, coming from France (over 126,000), Germany and Belgium. For them, as for resident expats, the question is not “which insurance?” but “how do two systems fit together?”.
The central mechanism for frontaliers is the S1 document: affiliated to the CNS by their employer (CCSS declaration within 8 days of hiring), they request the S1 from the CNS and file it with the health fund of their country of residence — CPAM in France, mutuality in Belgium, Krankenkasse in Germany. They are then treated on both sides of the border, with the CNS ultimately footing the bill. Beware: family members are not covered automatically, and a standard complementary plan from your country of residence does not articulate correctly with the CNS regime — you need one designed for it.
On the offer side: Foyer proposes medicis with a Novamut partnership for direct billing for French frontaliers; LALUX has a newcomer pack (car, home, liability, accident, health via its DKV subsidiary, with a discount on the first premium); DKV COMPLETE HEALTH covers from the first euro those not yet affiliated to the CNS; Global Health (born from the Foyer Global Health–Globality merger in early 2026) insures expats with no annual ceiling, including during the CNS affiliation waiting period; April MyHealth International comes in five formulas, first-euro or top-up. Global players (Allianz Care, Cigna Global) offer international plans whose Luxembourg detail goes through a quote.
Your employer affiliates you to the CNS via the CCSS within 8 days of hiring. You then request the S1 document from the CNS and file it with your CPAM: you are covered in France and Luxembourg alike. To cover your family, a specific registration with the CPAM is required — it is not automatic.
Your CNS affiliation starts with your employer’s declaration (within 8 days). If you arrive without an employment contract or as self-employed, a delay can occur: first-euro covers such as DKV COMPLETE HEALTH or Global Health bridge the transition without any coverage gap.
Generally not. Standard French, Belgian or German complementary plans are built on the tariffs and co-payments of their own regime, not the CNS’s. A CNS-affiliated person needs a complementary plan designed for the Luxembourg system — that is the core of the frontalier offers from Foyer (with Novamut), DKV or CMCM.
Tell us about your situation - country of origin, family size, specific needs. We'll compare the best international health plans available in Luxembourg.
Tell us a bit about your needs and our Luxembourg-based advisors will prepare a personalized recommendation in less than 24 hours.
