Compare health insurance in Luxembourg

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.

Dental care and orthodontics: what the CNS really reimburses

Dental care is where the gap between CNS tariffs and real bills is widest. Routine conservative care is covered at the agreed tariffs, but prostheses (crowns, bridges, implants) are only reimbursed at 80%, and at 100% only with a documented annual preventive visit over the two previous years. Orthodontics is only covered under strict conditions (prior CNS approval, treatment started in childhood): for adults, most of the cost stays out of pocket. This is exactly where complementary plans earn their keep: up to €3,500/year for dental prostheses plus a one-off €2,000 allowance for adult orthodontics at CMCM (Denta & Optiplus level), dental boosters at DKV, Foyer medicis confort and AXA OptiSoins, bearing in mind DKV’s dental waiting period of up to 8 months. Our health insurance page details the guarantees line by line.

Single, couple or family: which formula to choose

Family structure completely changes the maths. The CMCM charges a single household contribution and co-covers spouse and children at no extra cost: the bigger the family, the harder the mutual is to beat (€36.73/month on the public simulator for Régime Commun + Prestaplus, age 30-39, August 2026 survey). Private insurers price each person by age: competitive for a healthy single adult, their family premium climbs with every head, even if AXA covers newborns free for their first year. Useful reminder: the CNS already reimburses 100% of consultations for under-18s, so a child’s complementary plan matters mostly for dental, optical and a private room. On the tax side, the €672 deduction ceiling applies per person in the household: a couple with two children can deduct up to €2,688 per year (article 111 L.I.R.). Just arrived in Luxembourg? Our new arrivals guide walks through CNS affiliation and family co-insurance.

Cross-border workers: complementary cover on which side of the border?

Working in Luxembourg while living in France, Belgium or Germany, you are affiliated to the CNS through your employment contract and treated in your country of residence thanks to the S1 form, so you can seek care on both sides of the border. The right reflex: choose complementary cover on the side where you actually get treated. A Luxembourg plan (the CMCM is open to cross-border workers, family co-covered at no extra cost) reimburses on Luxembourg tariffs, private hospital room included; a French or Belgian mutual makes more sense if most of your care stays close to home. Many cross-border households combine both, and the Foyer-Novamut partnership streamlines exactly that setup for French residents.