An overview of the main complementary health insurance providers in Luxembourg - mutual and private options to fill CNS gaps.
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.
Two pricing worlds coexist: the CMCM mutual charges one contribution per household, set by age at enrolment (36.73 €/month on its public simulator for the Régime Commun + Prestaplus formula, age bracket 30-39, spouse and children co-covered at no extra cost), while private insurers (DKV, Foyer, AXA) price each person individually by age. Ranges observed in 2026:
| Profile | Observed range | Coverage level |
|---|---|---|
| Young professional (18-30) | €20-45 / month | Entry-level coverage. |
| Professional (30-45) | €40-80 / month | Intermediate coverage. |
| Senior (60+) | €100-200 / month | Extended coverage. |
| Family (2 adults + 2 children) | €60-250 / month | Single contribution at CMCM vs one premium per person at private insurers. |
Indicative ranges observed in August 2026 on insurers’ public pricing tools and market guides. Your actual premium depends on your profile and the coverage you choose, request a personalised quote to get real figures.
Prices observed: August 2026 · Sources: CMCM : simulateur d’affiliation · DKV Luxembourg
Luxembourg has a mandatory public health system through the CNS (Caisse Nationale de Santé) that reimburses 80-88% of routine 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.
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.
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.
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.
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.
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.
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.
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.
Routine care is covered at the agreed tariffs, but prostheses (crowns, implants) are only reimbursed at 80%, or 100% with documented annual prevention over the two previous years. Orthodontics requires prior CNS approval and treatment started in childhood; for adults, most of the cost stays out of pocket. Complementary plans take over: up to €3,500/year for prostheses plus a one-off €2,000 adult orthodontics allowance at CMCM, dental boosters at DKV, Foyer and AXA.
You are affiliated to the CNS through your job and treated in your country of residence thanks to the S1 form, so you can seek care on both sides of the border. Choose complementary cover on the side where you actually get treated: the CMCM (open to cross-border workers, family co-covered) and Luxembourg complementary plans reimburse on Luxembourg tariffs, while a French or Belgian mutual better covers care taken mostly at home. Many households combine both.
Tell us about your needs - dental, optical, hospital. A licensed partner insurer will send you a complementary health proposal suited to your needs.
Tell us a bit about your needs: a licensed Luxembourg-based partner insurer will send you a personalised proposal, usually in less than 24 hours.
