Understanding insurance in Luxembourg
Guides and articles written from official sources and the insurers' public documentation, updated and dated. No jargon, no sales pitch.
Home insurance calculator: how much will you pay?
Enter your situation and the size of your home: the tool estimates the yearly premium range of a multi-risk policy in Luxembourg, and tells you what will push it up.
Car insurance simulatorBonus-malus simulator: your level and third-party premium over six renewals
Enter your situation, your premium and any claims: the tool applies the official scale, level by level, and shows what each renewal changes on your third-party liability premium.
Health calculatorCNS reimbursement calculator: what you really pay
Enter a year of health expenses at the official tariff: the tool applies the CNS’s 2026 rates, item by item, and tells you what is left for you to pay, hospital daily charge and additional reimbursement included.
Practical guideSwitching insurance in Luxembourg: notice, termination and timeline
Thirty days before the renewal date, three accepted forms, exits after a price increase: what the law of 27 July 1997 provides, and how to switch without a gap in cover.
Tax calculator111bis calculator: what to pay in before 31 December
Your real tax saving by income and tax class, the flat rate already deducted automatically, and what an extra payment before year end would bring.
Insurer profileCMCM: Luxembourg’s complementary health mutual
Founded in 1956 by Luxembourg’s mutual societies, CMCM tops up the CNS with no medical questionnaire and no age limit. What it covers, how to join and how to get reimbursed.
Insurer profileDKV Luxembourg: the LALUX group’s top-up health plans
Compact, Plus and Easy Health: what each plan covers, waiting periods, reimbursement, cancellation and financial strength, based on DKV Luxembourg’s own documentation.
Insurer profileFoyer: Luxembourg’s largest non-life insurer
Founded in 1922, Foyer holds 40% of Luxembourg’s non-life insurance market. Its range line by line, how to report a claim and its financial strength, based on its own publications.
Insurer profileLALUX: Luxembourg’s insurer since 1920
La Luxembourgeoise, now LALUX, started operating on 29 February 1920. Its range line by line, how to report a claim and its financial strength, based on its own publications.
Insurer profileAXA Luxembourg: the AXA group in the Grand Duchy
Part of the AXA group, AXA Luxembourg claims, through its original companies, the first insurance licence in the Grand Duchy. Its range line by line, how to report a claim and its financial strength, based on its own publications.
Insurer profileBaloise Luxembourg: in the Grand Duchy since 1890
In Luxembourg since 1890, Baloise has belonged to the Swiss Helvetia Baloise group since December 2025. Its range line by line, how to report a claim and its financial strength, based on its own publications.
Health insuranceCNS reimbursements: the complete table, item by item
What the National Health Fund reimburses in 2026, from the doctor’s surgery to the hospital, and what is left for you to pay. Every rate comes from the CNS’s official pages.
Health insuranceHospital stay in Luxembourg: standard room or first class?
The CNS covers treatment and the stay in a standard room. A private room and the higher fees that come with it are yours to pay, unless you have top-up cover. The 2026 figures and what the main top-up plans provide.
Health insuranceCross-border worker: Luxembourg top-up, home-country plan or both?
Covered by the CNS, you can be treated in your country of residence as well as in Luxembourg. The right top-up plan depends on one question: where are you treated, and who reimburses you?
Health insuranceInternational health insurance: does an expat in Luxembourg need it?
If you work in Luxembourg, the CNS covers you automatically. International health insurance does not replace it: it serves specific situations, set out here with the plans of the four main providers.
ClaimsReporting a claim in Luxembourg: the right steps, one by one
Car accident, water damage, burglary: what the law requires of you, how to fill in the accident report without trapping yourself, and where to turn if the other party is uninsured or your insurer is slow.
Home insuranceFlood, storm, hail: who covers what in Luxembourg
Storm and hail are almost always part of a home policy’s core cover. Flooding is included by some insurers and optional at others. A policy-by-policy look, for your home and your car.
Life insuranceMortgage protection insurance: what your bank can require, and what it cannot
The law does not require it, but banks usually ask for it before granting a mortgage. You still choose the insurer, how cover is split between co-borrowers and how you pay, and a single premium opens a much larger tax deduction.
Car insuranceYoung drivers in Luxembourg: getting insured, from accompanied driving to your first policy
The bonus-malus scale is the same for everyone, but insuring a young driver comes down to details: the certificate to request before accompanied driving, being named on the family policy and the excesses that apply to recent licences.
Car insuranceBonus-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 insuranceTenant or owner in Luxembourg: 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.
Request your free,
no-obligation quote
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.