CMCM
Solidarity mutual- Luxembourg’s largest mutual: 140,000+ member-families
- No medical questionnaire required — everyone accepted
- No surcharge for family members, single family contribution
- Three tiers: Régime Commun, PrestaPlus, Denta & OptiPlus
Health insurance comparison
Health insurance in Luxembourg
An overview of the main complementary health insurance providers in Luxembourg - mutual and private options to fill CNS gaps.
Providers
Main health insurance providers
DKV
LALUX Group- Three plans: Compact Health, Plus Health, and Easy Health
- Easy Health: laser eye surgery up to €3,000, alternative treatments, BEST CARE+ included
- Plus Health: optical up to €500/2 years, TRAVEL+ and BEST CARE+ included
- easyAPP mobile app for instant claim reimbursements
Foyer
Customisable- Deep expertise on CNS reimbursement gaps
- Customisable health modules within the mozaik ecosystem
- Dental, optical, and private hospital room upgrade options
- Integrated with broader Foyer insurance portfolio for multi-policy savings
AXA
Three formulas- "OptiSoins" with three formulas: Start, Active, Privilège
- Privilège: full reimbursement even when CNS does not cover costs
- Post-hospitalisation services: childcare, tutoring, domestic help, pet-sitting
- Newborns covered free from birth — cross-border workers eligible
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 market
Specificities of the Luxembourg market
Luxembourg has a mandatory public health system through the CNS (Caisse Nationale de Santé) that reimburses 80–95% of medical costs. Complementary health insurance covers the remaining co-payments and adds benefits not covered by the CNS, especially dental, optical, and private hospital rooms.
Health insurance premiums are tax-deductible up to €672 per year per household member (Article 111 L.I.R.). Cross-border workers are covered by Luxembourg CNS but receive care in their country of residence via the S1 form system.
Buying guide
How to choose
The CNS reimburses well, but not everything: 88% of consultations with a GP or specialist (100% under 18), 80% of dental prostheses (100% only if you can show an annual preventive visit over the two previous years), and in optics a frame capped at €30 every three years. A private hospital room, fee overruns and much of dental and optical care remain out of pocket — exactly the territory of complementary plans.
Two models compete in this market. The mutual (CMCM) works without any medical questionnaire or age limit, co-covers the whole family at no extra cost and applies a simple 3-month waiting period; its levels (Régime Commun, Prestaplus, Denta & Optiplus) go up to €3,500/year for dental prostheses and €1,000 per eye for laser surgery. Private insurers apply medical underwriting but offer higher ceilings: DKV (LALUX group) goes up to first-class hospitalisation with the head physician, €500 optical every 2 years and €3,000 laser on its EASY HEALTH plan; Foyer’s medicis comes as hospi+ (hospitalisation) and confort (day-to-day care included); AXA structures OptiSoins as Start, Active and Privilège, with newborns covered free for their first year.
Tax point: complementary health premiums are deductible as special expenses (article 111 L.I.R.) up to €672 per year per person in the tax household — mutual contributions included.
The criteria that actually matter
- Medical underwriting: none at CMCM; questionnaire at DKV, Foyer and AXA.
- Waiting periods: typically 3 months, up to 8 months for dental, childbirth and psychotherapy at DKV — often waived if you were already covered.
- Dental and optical ceilings: where offers differ the most.
- Private room: the first reason people subscribe — check the conditions (surgery class, alternative daily allowance).
- Cover abroad: free choice of hospital across Europe with Foyer medicis, international assistance with CMCM.
Frequently asked questions
Your questions, answered
Isn’t the CNS enough?
For everyday care, the CNS is an excellent base (88% of consultations). But a private room is not covered, dental prostheses are only reimbursed at 80% without documented prevention, and optics are capped at a €30 frame every three years. A hospital stay or major dental treatment can leave you thousands of euros out of pocket.
Mutual (CMCM) or private insurer (DKV, Foyer, AXA)?
CMCM accepts everyone — no medical questionnaire, no age limit — and covers the family at no extra cost, in exchange for more modest ceilings. Private insurers screen at entry but offer higher benefits (first-class hospitalisation, higher optical and laser ceilings). The right choice depends on your age, health and family situation.
Are there waiting periods?
Yes, almost everywhere: 3 months as a rule (CMCM qualifying period, DKV general waiting period), and up to 8 months at DKV for childbirth, dental care and psychotherapy. These are often waived if you can show prior complementary cover — worth raising when you subscribe.
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