Compare Private Health Insurance in Luxembourg
Compare the top private health insurance providers in Luxembourg — see cover, features and typical rates side by side.
Live offers
- Baloise Health Insurance LU
- La Luxembourgeoise Health LU
- AXA Luxembourg Health LU
- Foyer Health Insurance LU
- Swiss Life Health LU
What is Complementary Health Insurance in Luxembourg?
Complementary (private) health insurance in Luxembourg tops up the state health system, the Caisse Nationale de Santé (CNS), which covers most residents and cross-border workers for a large share of medical costs. Because the CNS reimburses at set rates and leaves some out-of-pocket expenses — private hospital rooms, dental and optical care, certain specialist fees and comfort options — a complementary policy (assurance complémentaire santé) covers those gaps. It is optional but popular, sold by insurers and health-cover specialists, and chosen to reduce personal medical spending.
How the Luxembourg market works
The CNS is the compulsory first layer for employees, self-employed and frontalier workers, funded by contributions. On top of it, insurers such as Lalux, Foyer, AXA, Baloise, Swiss Life, DKV and Zurich offer complementary policies covering the patient's share of costs, private or single hospital rooms, dental and optical care, and sometimes treatment abroad. Plans range from basic hospital-only cover to comprehensive packages. Premiums depend on age, cover level and health status, and some employers provide group complementary cover as a benefit.
Benefits
Lower out-of-pocket costs — Covers the share of medical bills the CNS does not reimburse.
Hospital comfort — Pays for private or single rooms and enhanced hospital services.
Dental and optical — Extends cover to areas the state system reimburses only partly.
Broader choice — Can support treatment by specialists or abroad beyond standard CNS rates.
How to choose
Identify the gaps that matter to you — hospital rooms, dental, optical, or specialist fees — and choose a plan that covers them, rather than paying for cover you will not use. Compare premiums, annual ceilings, waiting periods and any medical questionnaire or exclusions for pre-existing conditions. Check whether cover is individual or family, whether an employer scheme already applies, and how claims are reimbursed against CNS statements. Enrolling while healthy usually secures better terms.
Leading providers in Luxembourg
Lalux and Foyer are major domestic providers of complementary health cover, alongside AXA, Baloise and Swiss Life, with health specialists DKV and Zurich also active. Providers differ on cover tiers, hospital-room benefits, dental and optical limits, and waiting periods. Because plans layer on top of the CNS, focus on which out-of-pocket costs each policy targets rather than comparing headline premiums alone.
What it costs
Monthly premiums in the market broadly range from around €48 up to about €150, depending on age, the level of cover and whether it is individual or family. Basic hospital-only plans sit at the lower end, while comprehensive cover with dental, optical and private-room benefits costs more. Older applicants and higher ceilings raise the premium, so match the plan to the gaps you actually want to close.
Protections and regulation
Complementary health insurers and intermediaries are supervised by the Commissariat aux Assurances (CAA), and policies follow EU insurance-distribution rules on clear information and fair terms. The CNS itself is administered under Luxembourg social-security law. Disputes over a complementary policy can be raised with the insurer and escalated to the CAA's mediation service or the ULC.
Common questions
Do I need private cover if I have the CNS? The CNS covers most care, but complementary insurance reduces out-of-pocket costs for hospital rooms, dental, optical and certain fees.
Are cross-border workers covered by the CNS? Frontalier workers affiliated to Luxembourg social security are generally covered and can add complementary cover.
Are pre-existing conditions covered? Insurers may apply waiting periods or exclusions, so declare your health and check terms before enrolling.
Can I add family members? Many complementary policies offer individual or family cover, so you can extend protection to a partner and children under one contract.
Is there a waiting period? Some benefits, particularly dental and optical, apply a waiting period after enrolment, so check timing before you need treatment.
The cheapest Private Health Insurance in Luxembourg is €48 EUR/mo from Baloise Luxembourg.
Private Health Insurance in Luxembourg — FAQ
How much does private health insurance cost in Luxembourg?
Giraffy tracks 5 private health insurance products across Baloise Luxembourg,Lalux,AXA Luxembourg,Foyer Assurances,Swiss Life Luxembourg insurers in Luxembourg. The lowest tracked monthly premium is €48 EUR/mo. Premiums depend heavily on age, health status, level of cover, and excess chosen.
What does private health insurance typically cover?
Core cover usually includes: inpatient hospital treatment (surgery, overnight stays), specialist consultations, diagnostic tests, and sometimes cancer care. Many policies exclude mental health, dental, and optical as standard — these can be added as upgrades. Always check the specific policy schedule for exclusions.
What is excluded from most private health insurance policies?
Common exclusions include: pre-existing conditions (at least at first), chronic long-term conditions, cosmetic surgery, fertility treatment, organ transplants (often), and treatments abroad. Exclusions vary significantly between insurers — compare the policy wordings, not just the headline price.
What is an excess on a health insurance policy?
The excess (or deductible) is the amount you pay towards each claim before the insurer covers the rest. A higher excess lowers your monthly premium. Set your excess at an amount you could comfortably afford to pay in a year — this balances premium savings against out-of-pocket cost if you need to claim.
Can I get private health insurance with a pre-existing condition?
Yes, but most insurers will exclude your pre-existing condition from the policy, or apply a 'moratorium' — where the condition is excluded until you've been symptom-free for 2+ years. 'Full medical underwriting' lets you know at outset exactly what's excluded, giving more certainty than a moratorium.
Does private health insurance cover mental health treatment?
Mental health cover is increasingly included in standard policies, but terms vary significantly. Check whether inpatient psychiatric care, therapy sessions, and psychiatric medication are covered, and whether annual session limits apply. Some insurers offer digital mental health support as a standard perk.