Understanding insurance in Luxembourg
Guides and articles written from official sources and the insurers' public documentation, updated and dated. No jargon, no sales pitch.
Bonus-malus in Luxembourg: how it works, what it costs you, how to bring it down
Luxembourg’s bonus-malus is set by law and identical at every insurer. What differs from one policy to the next is how well it is protected.
Health insuranceDentist, orthodontics, glasses: what the CNS reimburses and what you still pay
The national health fund reimburses everyday care very well. The gaps are elsewhere, and they are precise: dental prostheses, orthodontics, eyewear, private room.
Cross-border workersCross-border worker in Luxembourg: the four insurances to check
For a cross-border worker, the question is not “which insurance?” but “how do two systems fit together?”. Health, car, home, savings: the tour in four points.
Home insuranceHome insurance in Luxembourg: tenant or owner, what do you really need to insure?
No law requires it, yet nobody escapes it: the bank demands it for a mortgage, the landlord before the keys. What to cover depending on your situation, and the underinsurance trap.
Professional liabilityProfessional liability in Luxembourg: who must have it, what it covers, what it costs
No general obligation, but a precise list of professions for which it is imposed, and a reality for all the others: a single mistake can put your own assets on the line.
TaxArticles 111, 111bis and 157ter: which tax deduction for which insurance?
Luxembourg rewards prudent policyholders through tax, residents and assimilated cross-border workers alike. Three articles of law, three ceilings, and an order in which to use them.
New arrivalsArriving in Luxembourg: the insurance checklist for your first 30 days
Everything falls into place within a few weeks, provided you deal with the subjects in the right order. Here is that order, with the deadlines that matter.
New arrival guideGetting insured in Luxembourg: the complete guide for new arrivals
What is legally required, what you will be asked for in practice, and what can wait, laid out in the chronological order of your move.
2026 tax guide111bis pension savings: the ceiling rises to €4,500 in 2026
A 40% increase in the tax deduction for pension savings: what it changes in practice, who benefits most, and how to choose your contract.
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