An overview of the main international health insurance providers for expats and cross-border workers in Luxembourg.
Comparison last updated: September 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: 46.6% of the population (STATEC, 1 January 2026). Employee or self-employed, an expat who works in Luxembourg is automatically affiliated to the CNS, which also covers co-insured family members.
International health insurance mainly serves three situations: no affiliation, for instance on arrival without an employment contract; time in countries with no agreement with Luxembourg, such as the United States, where the CNS reimburses urgent care only at Luxembourg rates; and mobile careers, with a policy that follows you from one country to the next. Our article on international health insurance details these cases.
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 cross-border workers is the S1 form: affiliated to the CNS by their employer (declaration to the Joint Social Security Centre within 8 days of hiring), they receive from the CNS the registration form for the health fund of their country of residence, the CPAM in France (S1/S072, sent directly in the Grand Est region), a mutualité in Belgium (BL1), a Krankenkasse in Germany (S1). They are then treated on both sides of the border: the local fund reimburses care received in the country of residence, the CNS care received in Luxembourg. For the family, the fund of the country of residence contacts the CNS. Choose the top-up plan on the side where you actually receive care: our article on top-up cover for cross-border workers details that choice.
On the offer side: Foyer offers medicis with a Novamut partnership for direct billing for French cross-border workers; LALUX has a special offer for newcomers, Home Assistance free for a year and 10% off the first annual premium; DKV COMPLETE HEALTH covers from the first euro, even without registration with the statutory fund; Global Health, the Foyer group’s international health insurer formed in February 2026 from Foyer Global Health and Globality Health, offers its Journey range, up to no overall annual limit; April MyHealth International comes in four plans; Allianz Care and Cigna offer international plans in three tiers. When is international cover really useful? Our article on international health insurance answers that.
Your employer affiliates you to the CNS via the Joint Social Security Centre within 8 days of hiring, then the CNS issues form S1/S072, which registers you with your CPAM (sent directly in the Grand Est region, mailed to your home elsewhere). The CPAM then reimburses care in France, the CNS care received in Luxembourg. For your family, the CPAM contacts the CNS: check that it has done so.
Your CNS affiliation starts with your employer’s declaration (within 8 days). If you arrive without an employment contract, or if your spouse cannot be co-insured, first-euro cover such as DKV COMPLETE HEALTH or Global Health avoids a gap.
For an expat living in Luxembourg, generally not: a foreign plan is built on the reimbursements of its own scheme, not those of the CNS. For a cross-border worker who is mostly treated in the country of residence, a local plan does complement the fund that reimburses them: it all depends on where you get care.
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