Everything you need to know about supplementary health insurance in Luxembourg.
Which supplementary health insurance to choose in Luxembourg?
▼In September 2026, the best choice is decided by profile. For a family, the CMCM mutual is the most advantageous: co-affiliated members (spouse, children) are covered at no extra cost and with no medical questionnaire — something no private insurer matches. For comfort and speed of care, DKV EASY (the health arm of the LALUX Group) stands out with its BEST CARE network (specialist appointment guaranteed within 5 working days, second medical opinion, €500 ancillary-costs lump sum) and the panel's only dedicated laser-surgery benefit — up to €3,000 from the 49th month of insurance. For dental and optical, CMCM D&O has the highest ceilings (prostheses up to €3,500/year, adult orthodontics €2,000), ahead of Foyer (orthodontics €3,200). For hospitalisation only at lower cost, Foyer medicis hospi+ (free choice of hospital across Europe) or DKV COMPACT (private room). For care abroad or a cross-border worker, CMCM is the most protective (worldwide 24/7 assistance, hospitalisation up to €100,000), where DKV and AXA are limited to Europe. For a profile with pre-existing conditions or no medical exam, CMCM accepts with no questionnaire and no age exclusion.
Which supplementary health insurance for a family?
▼For a family, the CMCM is often the most advantageous: co-affiliated members (spouse, children) are covered at no extra contribution and with no medical questionnaire, with extensive dental and optical cover. If you want high contractual ceilings and premium services (second opinion, fast appointment), DKV (LALUX Group) or Foyer Medicis are excellent options. Remember the tax-deductibility of premiums (ceiling 672 € per person).
Can cross-border workers subscribe?
▼Yes. Cross-border workers affiliated to the CNS can subscribe to supplementary cover with DKV, CMCM, AXA or Foyer. The key issue for them is cover on both sides of the border: the CMCM offers worldwide 24/7 assistance from the base, Foyer free choice of hospital across Europe, DKV a TRAVEL⁺ option.
Is supplementary health insurance mandatory in Luxembourg?
▼No. Every resident or worker is affiliated to the CNS, which reimburses most everyday care. Supplementary health insurance is optional, but strongly recommended to cover the out-of-pocket: private room, advanced dental and optical, alternative medicine and care abroad.
Which companies offer supplementary health insurance in Luxembourg?
▼The main players are DKV (the health entity of the LALUX Group), the CMCM mutual, AXA (OptiSoins) and Foyer (Medicis). DKV, AXA and Foyer are private insurers with a medical questionnaire; the CMCM is a solidarity-based mutual with no questionnaire that covers the family at no extra cost.
What does supplementary health insurance cover?
▼It covers the out-of-pocket left by the CNS: the private room and fee supplements in hospital, part of dental and optical, refractive (laser) surgery, alternative medicine and care abroad. The most complete plans add a second medical opinion and assistance.
What is the difference between the CMCM and a private insurer?
▼The CMCM is a mutual: no medical questionnaire, no exclusion based on age or health, and co-affiliated family members are covered at no extra contribution. Benefits are provided within the limits of available resources. Private insurers apply a questionnaire and waiting periods, but offer firm contractual cover and high ceilings.
How much does supplementary health insurance cost in Luxembourg?
▼The price depends on age, plan and insurer. A hospitalisation-only plan is the cheapest; a full plan (dental, optical, outpatient) costs more. The CMCM contribution is solidarity-based and the family is covered at no extra cost. Request a personalised quote for an exact rate.
Why take hospitalisation insurance?
▼In hospital, the CNS covers the standard room but leaves a personal contribution (€26.14 per day in 2025, excluding under-18s, up to 30 days per year). The private room and fee supplements are not covered by the CNS: this is precisely the role of hospitalisation insurance, which guarantees the private room and free choice of doctor.
Is supplementary health insurance tax-deductible?
▼Yes. Premiums are deductible as special expenses, up to €672 per person per year (article 111 LIR), a ceiling shared with other insurance. Each provider issues an annual tax certificate.
Is there a waiting period?
▼Yes, usually. Private insurers apply waiting periods during which certain benefits are not yet covered, plus an initial contractual commitment (often 2 years). The CMCM applies a waiting period of a few months on joining. Check these periods before subscribing.
What does the CNS reimburse and why take complementary health insurance?
▼The CNS (national health fund) covers most care but leaves an out-of-pocket share: about 12% on a consultation, a €26.14/day hospital co-payment (2025 CNS rate, indexed), the individual room not reimbursed (0%), and advanced dental only partly covered. Complementary health insurance covers exactly that remainder: private room, fee supplements, dental, optical, alternative medicine and care abroad.
Are dental and optical care covered by complementary health insurance?
▼Yes — it's one of the main benefits. Extended dental/optical plans (DKV, CMCM DENTA & OPTIPLUS, Foyer confort) cover dental prostheses and implants, orthodontics, lenses, frames, contacts and refractive surgery, with annual caps. At the CMCM, the DENTA & OPTIPLUS level lifts dental care to €1,000/year and dental prostheses to €3,500/year, with €500 per implant (capped at €2,000/year), while optical runs through set allowances (lenses €150/year, contacts €150/year, frames €30/year, refractive surgery €1,000 per eye). At DKV, orthodontics reaches €4,000 per insured on COMPACT and PLUS where treatment starts before age 17. Check the caps and waiting periods.
Does complementary health insurance cover care abroad?
▼It depends on the insurer. CMCM offers 24/7 worldwide assistance from the base cover (hospitalisation abroad up to €100,000/incident, repatriation). DKV and AXA cover Europe (and worldwide for short stays), Foyer covers Europe with free choice of hospital. This is key for cross-border workers and travellers: check the geographical scope before subscribing.
How to choose affordable top-up health insurance in Luxembourg?
▼The goal isn't the absolute cheapest but the right cover-to-price ratio for your needs: (1) a hospitalisation-only plan (private room) is the cheapest and covers the heaviest risk; (2) a full plan (outpatient, dental, optical) costs more but reimburses everyday care; (3) the CMCM (mutual fund, no medical questionnaire, family covered at no extra cost, 10% discount for single under-30s) is often the most accessible; (4) compare with DKV, Foyer and AXA. Premiums are tax-deductible (cap €672/year).
What out-of-pocket does the CNS reimburse above a threshold?
▼The CNS applies a cap on personal contributions: once your accumulated out-of-pocket for the year exceeds a set amount, it reimburses the excess on request. This threshold is set at €518.18 in 2026 (versus €509.68 in 2025 and €497.38 in 2024). The agreed tariffs were also indexed on 1 June 2026 (the sliding-scale index raised to 992.24). This, however, covers neither the private room nor fee supplements — hence the value of supplementary health insurance.
What is new at DKV and the CMCM in 2026-2027?
▼At DKV, the retail range reads as three cumulative tiers — COMPACT (hospital + dental, no age restriction), PLUS (which adds outpatient) and EASY HEALTH (the premium tier) — completed by COMPLETE HEALTH (comprehensive insurance, annual deductible of €400 up to age 19 and €800 beyond) and HOSPITAL HEALTH (pure hospital cover). The product leaflets quantify the gaps precisely: a daily allowance of €30/day on COMPACT and PLUS against €20/day on EASY; visual aids of €250 every 2 years on COMPACT against €500 on PLUS and EASY; laser eye surgery up to €2,000, rising to €3,000 from the 49th month of insurance but reserved for EASY; alternative treatments reimbursed at 80% up to €500/year on PLUS and €1,000/year on EASY; orthodontics up to €4,000 per insured on COMPACT and PLUS where treatment starts before age 17; professional scaling up to €75/year throughout and the implant priced separately on EASY (up to €600). BEST CARE⁺ and TRAVEL⁺ are included from PLUS (optional on COMPACT). The waiver of the 3-month waiting period, valid until 1 August 2026, has now ended. DKV Luxembourg stays on the Luxembourg market: a 100% subsidiary of the LALUX Group since 2015 and run independently, it continues its activities even though the DKV brand is being integrated into its parent company ERGO in Germany. At the CMCM, the July 2026 benefits brochure confirms the announced increases — hospitalisation abroad raised to €100,000 per member per incident, frame allowance now €30 per calendar year — and documents new PRESTAPLUS benefits: psychological follow-up for under-18s (€100/year), adult psychotherapy (€40/year), orthopaedic insoles (€150/year), ambulance transport in Luxembourg, and an emergency consultation abroad covered up to €2,500/year. New partnership: the 24-week Odyssée programme at Domaine Thermal de Mondorf, reimbursed up to €400.
Can you get health insurance without a medical questionnaire in Luxembourg?
▼Yes — that is CMCM's specificity: no medical questionnaire, no exam, no age or health exclusion, with a 3-month waiting period in return (12 months on re-joining). Private insurers (DKV, AXA, Foyer) all require a medical questionnaire that conditions acceptance and pricing, with contractual waiting periods. After 50 or with a medical history, the mutual is often the only door left wide open — sign up before you need it.
