Family Health Insurance in Luxembourg: 2026 Comparison
In Luxembourg, family health insurance covers the costs that the CNS leaves at your expense — around 12% for adults — as well as treatments not covered at all, such as osteopathy, adult orthodontics or laser eye surgery. The key Luxembourg specificity: children under 18 are reimbursed at 100% by the CNS for virtually all routine care. This fundamentally changes the family coverage strategy and should guide your choice of insurer and plan.
Find the best health insurance for your family
Compare CMCM, DKV, Foyer medicis and AXA OptiSoins based on your household composition in 2026.
Compare health insurance plans →What the CNS covers for Luxembourg families in 2026
The Caisse Nationale de Santé (CNS) forms the first pillar of your family’s protection. Before taking out supplementary insurance, it is essential to understand what the compulsory scheme already covers — as the rules differ significantly depending on the age of the insured person.
The Luxembourg system is particularly generous towards children: up to the age of 18, virtually all care is reimbursed at 100% of the CNS standard rate. Adults, on the other hand, face an out-of-pocket cost of around 12% (88% reimbursement rate) for routine consultations and care, and more for certain specialist treatments. This asymmetry radically changes the logic of family cover: for adults, supplementary insurance is virtually essential; for children, it targets the residual costs not covered by the CNS.
| Treatment | CNS rate for adults | CNS rate for children < 18 | Adult out-of-pocket cost |
|---|---|---|---|
| GP consultation | 88% | 100% | ~€7 |
| Specialist consultation | 88% | 100% | Varies by fee |
| Routine dental care | 88% (+ €79.22 annual allowance at 100%) | 100% | ~12% |
| Orthodontics | 88% (very limited) | 100% if started before age 17 and billed before 18 | Very high (adult) |
| Psychotherapy | 70% of standard rate | 100% | ~€48/session |
| Hospitalisation, shared room | 100% | 100% | Statutory daily contribution |
| Private room (1st class) | Not covered | Not covered | 100% at your expense |
| Osteopathy, acupuncture, naturopathy | 0% | 0% | €60–120/session |
| Optical — corrective lenses | Limited CNS cap | Limited CNS cap | High for progressives |
| Laser eye surgery (LASIK) | 0% | 0% | Several thousand euros |
Source: CNS — Reimbursement rates in effect as of June 2026. Reimbursements apply to CNS standard rates.
The 100% rule for children applies to the CNS standard rate. If a practitioner charges above the standard fee, reimbursement is still calculated on the official rate. Supplementary insurance covering fee overruns remains useful even for children in this case.
The 6 priority needs for a family in Luxembourg
A family in Luxembourg does not have the same needs as a single person or a retiree. Expenses vary depending on household composition, children’s ages and parents’ professional situation. Here are the 6 areas to evaluate first when choosing health insurance.
Children’s orthodontics
The CNS covers orthodontics for children: prior approval from the Medical Control is required and treatment must begin before the child’s 17th birthday. Reimbursement is at 100% of the CNS standard rate as long as the child has not turned 18 at the time of billing. However, actual fees may exceed the standard rates, resulting in significant out-of-pocket costs. For families with 2 or more children, these overruns can represent several hundred to thousands of euros over 2 to 3 years of treatment.
Private room hospitalisation
The CNS covers shared rooms at 100%, but not private rooms (1st class). If a parent is hospitalised, the supplements can be substantial. Supplementary insurance with 1st class cover is essential for managing unexpected expenses. The PrestaPlus plan (CMCM), EASY HEALTH/PLUS HEALTH/COMPACT HEALTH (DKV), medicis confort (Foyer) and OptiSoins Active/Privilège (AXA) all cover private rooms.
Optical cover for adults
The CNS caps optical reimbursement at a limited amount. A pair of progressive lenses easily costs €400 to €800. For the adults in the family, the optical guarantee of the supplementary insurance is a significant financial item, typically renewed every 2 years or so.
Adult dental care (prostheses, implants)
While children are well covered by the CNS for routine care and orthodontics, adults face high out-of-pocket costs for prostheses, crowns or implants. The CNS partially reimburses prostheses but implants receive very little cover. Supplementary insurance fills the gap, with variable caps depending on the plan.
Maternity and childbirth
The CNS covers delivery costs, but a private room during the maternity stay, fee supplements or enhanced pregnancy monitoring generate additional costs. CMCM PrestaPlus reimburses 1st class rooms for deliveries. DKV covers the father’s accommodation at birth and rooming-in for hospitalised children under 12. AXA covers the newborn free of charge until their 1st birthday.
Alternative medicine for the whole family
The CNS does not cover alternative medicine (osteopathy, acupuncture, chiropractic, naturopathy) regardless of age. Each session costs €60 to €120, entirely at the family’s expense. CMCM Régime Commun reimburses up to €50/session (capped at €100/year), stackable with PrestaPlus (€50/session, additional €100/year — up to €200/year in total). DKV EASY HEALTH and PLUS HEALTH, Foyer medicis confort and AXA Active/Privilège also cover alternative medicine.
Identify the most important guarantees for your family and compare plans in 2026.
Compare health insurance plans →Comparison of the 4 insurers for families in Luxembourg — 2026
Here is a comparison of the 4 main providers for family cover in Luxembourg in 2026. Each insurer takes a different approach to family pricing: CMCM offers a flat household rate regardless of the number of children and without a medical questionnaire, while private insurers generally charge per insured person and require a medical questionnaire.
| Insurer | Plans | Family pricing | Medical questionnaire | Key family advantage |
|---|---|---|---|---|
| CMCM | Régime Commun · PrestaPlus · Denta & OptiPlus | Flat household rate — spouse and all children covered at no extra cost | ❌ No (solidarity model) | Most advantageous for large families; no medical selection |
| DKV LALUX Group | COMPACT HEALTH · PLUS HEALTH · EASY HEALTH | Per-person rate — couple, single-parent and family plans available | ✅ Yes (adults) — ❌ No if enrolled within 2 months of birth | Father’s rooming-in at birth, parent accommodation if child < 12 hospitalised, European cover |
| Foyer Foyer | medicis hospi+ · medicis confort | Per-person rate — family cover available | ✅ Yes | Best Doctors (second medical opinion), free choice of doctor/hospital in Europe, MyFoyer app |
| AXA AXA | Start · Active · Privilège | Per-person rate — family cover available | ✅ Yes | Newborn covered free until age 1, home help and childcare during hospitalisation |
Sources: cmcm.lu, dkv.lu, foyer.lu, axa.lu — Official product documentation, June 2026.
CMCM: the flat household rate, the number one advantage for families
The CMCM (Caisse Médico-Complémentaire Mutualiste), founded in 1956 with 280,000 members in Luxembourg, is the only supplementary insurer on the market to offer a flat household rate: the spouse and all children are covered at no additional cost. This is its number one selling point for families, especially those with 3 or more children.
CMCM operates on a mutual solidarity model: no medical questionnaire, no age limit, pricing by age bracket regardless of health status or gender.
| CMCM plan | Main family coverage | Waiting period | Key family point |
|---|---|---|---|
| Régime Commun (basic cover) |
Hospitalisation (CNS shortfall), routine dental up to 100% of CNS rate, internal and external prostheses (max €1,000), alternative medicine (€50/session, €100/year), CMCM-Assistance (unlimited repatriation, hospitalisation up to €100,000/incident, foreign emergencies €2,500/year) | 3 months (first enrolment) — no waiting period for CMCM-Assistance | Spouse and children covered at no extra cost — unique solidarity model |
| PrestaPlus (add-on) |
1st class hospitalisation (minor/medium procedures, delivery, non-surgical stay), surgical fee supplements, orthopaedic insoles (€150/year), ambulance (€150/year), alternative medicine (€50/session, €100/year — stackable with Régime Commun, up to €200/year), child psychological support < 18 | 3 months (first enrolment) | 1st class delivery included — direct benefit for young parents |
| Denta & OptiPlus (add-on) |
Adult orthodontics (≥ 17): one-off €2,000/member · Child orthodontics (< 17): up to €500/child · Dental care: €1,000/year/member · Fixed prostheses: up to €450/unit · Implants: €500/implant (max €2,000/year) · Lenses: €150/year · Frames: €30/year · Contact lenses: €150/year · Refractive surgery: €1,000/eye | 3 months (first enrolment) — 36 months if re-joining after cancellation | Both child AND adult orthodontics covered — complementing CNS reimbursements |
Source: cmcm.lu — CMCM benefits brochure 2026. Benefits are variable and provided in proportion to CMCM’s available resources.
To be covered by CMCM, family members (spouse, children) must benefit from the co-insurance of the primary member with a Luxembourg health fund (CNS or equivalent). Legitimate, legitimised, natural, adopted or permanently taken-in children are eligible. The 10% discount for single members under 30 does not apply to households with co-insured members. Check your situation with CMCM before enrolling.
DKV Luxembourg: birth, rooming-in and family cover in 2026
The leading private insurer, DKV Luxembourg (LALUX Group) offers 3 plans adaptable to family situations. DKV’s major strength for families is its flexibility at birth: a child can be insured within 2 months of birth without a medical questionnaire, regardless of their health condition. DKV contracts are available as individual, couple, single-parent or family plans.
DKV covers children up to the age of 27 if they are in full-time education, offering a continuity of family cover that is rare on the Luxembourg market. COMPACT HEALTH provides essential cover, PLUS HEALTH extended cover, and EASY HEALTH — DKV’s « preferred client solution » — comprehensive cover including alternative medicine, laser eye operations and the BEST CARE service for a specialist appointment within 5 days.
| DKV plan | Optical | Alternative medicine | Rooming-in / Birth | Laser eye surgery |
|---|---|---|---|---|
| COMPACT HEALTH | Max €250/2 years | ❌ Not included | ✅ Rooming-in child < 12 + father accommodation at birth | ❌ Not included |
| PLUS HEALTH | Max €500/2 years | ✅ Included | ✅ Rooming-in child < 12 + father accommodation at birth | ❌ Not included |
| EASY HEALTH | Max €500/2 years | ✅ Included | ✅ Rooming-in child < 12 + father accommodation at birth | ✅ Max €3,000 |
Source: dkv.lu — COMPACT/PLUS/EASY HEALTH comparison — June 2026. All DKV plans cover private room hospitalisation, routine dental care, orthodontics (diagnosis before age 17) and European cover.
Birth and DKV — If you are expecting a child, contact DKV before or just after delivery. The enrolment window without a medical questionnaire is 2 months after birth. After that, a medical questionnaire is required and exclusions or surcharges may apply. DKV automatically issues an annual tax certificate (art. 111 LIR) for each insured family member.
Foyer medicis: comprehensive cover and second medical opinion for families
Foyer Assurances (medicis) offers two plans: medicis hospi+ (hospitalisation and routine care) and medicis confort (extended cover including dental, optical and alternative medicine). Both plans offer free choice of doctor and hospital across Europe, along with the Best Doctors service for a second medical opinion.
| Foyer plan | Main family coverage | Key family point |
|---|---|---|
| medicis hospi+ (hospitalisation + routine care) |
Hospitalisation, consultations and medical examinations, medication, physiotherapy, psychotherapy (100%), home midwife, therapeutic aids, refractive surgery (up to €1,000) | Comprehensive hospitalisation cover with free choice across Europe — accessible entry plan |
| medicis confort (extended cover) |
All medicis hospi+ benefits + dental care (scaling €50/year, prostheses and implants 100%), orthodontics (€160/48 months), lenses/contacts (€200/2 years), frames (€50/2 years), alternative therapies at 80% up to €1,000/year | Comprehensive cover in a single plan — dental, optical and alternative medicine included |
Source: foyer.lu — medicis hospi+ and medicis confort — June 2026.
🔍 Our analysis: Foyer’s distinctive advantage for families is the included Best Doctors service — a network of 90,000 professionals in 450+ specialities worldwide allowing you to obtain a second medical opinion from home, which can be decisive when facing a complex diagnosis. medicis confort offers comprehensive cover in a single contract, ideal for families who want to simplify their management. Medical questionnaire required at enrolment.
AXA OptiSoins: family services and newborn covered free until age 1
AXA Luxembourg (OptiSoins) stands out with its practical family assistance services included from the Start plan onwards: home help, childcare, school transport and pet care during hospitalisation. The 3 plans (Start, Active, Privilège) offer increasing levels of protection.
| AXA plan | Main family coverage | Key family point |
|---|---|---|
| Start (basic protection) |
Hospitalisation (actual costs at 100%), ambulance transport, maternity and birth, home help / childcare / pet care during hospitalisation | Family assistance services included from the entry-level plan |
| Active (extended cover) |
All Start benefits + consultations, medication, physiotherapy, dental care (implants/crowns up to €600/tooth), optical lenses and frames at 100%, alternative medicine up to €500/year | Optical at 100% from this plan onwards — full outpatient cover |
| Privilège (maximum cover) |
All Active benefits + orthodontics, implants/crowns up to €800/tooth, alternative medicine up to €700/year, worldwide cover (temporary stays up to 60 days) | Highest dental and orthodontic caps in the range |
Source: axa.lu — OptiSoins Start, Active, Privilège — June 2026.
Newborn and AXA — Your child is covered free from birth until their first birthday with an AXA OptiSoins policy. The MyAXA online portal lets you manage all reimbursement claims with a simple photo. Premiums are tax-deductible as special expenses (art. 111 LIR) — AXA issues an automatic annual tax certificate.
Family budget: 2026 estimates for health insurance in Luxembourg
The cost of family health insurance varies depending on the insurer, coverage level, the adults’ age and health, and the number of children. The ranges below are indicative estimates based on 2026 market data. For a personalised quote, use our comparison tool.
| Family profile | Basic cover | Mid-range cover | Comprehensive cover |
|---|---|---|---|
| Couple without children (age 30–35) | ~€50–80/month | ~€80–130/month | ~€130–200/month |
| Single parent (1 adult + 1–2 children) | ~€40–70/month | ~€70–110/month | ~€110–160/month |
| Typical family (2 adults age 35–45 + 2 children) | ~€80–120/month | ~€120–180/month | ~€180–250/month |
| Large family (2 adults + 3 children or more) | CMCM recommended (flat household rate) | ~€130–200/month | ~€200–280/month |
| Family with adults > 50 + children | ~€120–160/month | ~€160–230/month | ~€230–320/month |
Switchr estimates — June 2026. Prices are indicative and vary by age, household composition, coverage level and each insurer’s terms. Request a personalised quote.
Tax advantage art. 111 LIR — Health insurance premiums are tax-deductible as special expenses under article 111 LIR, up to €672 per person in the tax household per year. This cap is shared with motor liability insurance and mortgage insurance premiums. For a family of 4 (2 adults + 2 children), the overall cap is €2,688/year. DKV, Foyer and AXA provide an automatic annual tax certificate. CMCM issues an annual contribution summary.
Orthodontics and children’s dental care in Luxembourg: what the CNS really covers
Orthodontics is often the first major health expense for a Luxembourg family. The CNS reimburses children’s orthodontics at 100% of the standard rate as long as the child has not turned 18 at the time of billing. But an essential condition applies: treatment must begin before the child’s 17th birthday, and prior approval from the CNS Medical Control is mandatory. The reality is more nuanced — particularly when the orthodontist charges above the standard rate.
| Situation | CNS cover | Role of supplementary insurance |
|---|---|---|
| Child orthodontics — treatment started before age 17, billed before 18 | 100% of standard rate | Low if practitioner follows CNS rates |
| Child orthodontics — fee overruns | 100% of CNS rate only | Essential — supplementary covers the overrun up to its caps |
| Adult orthodontics (> 18) | 88% (very limited base) | Essential — very high out-of-pocket cost without supplementary |
| Routine children’s dental care | 100% of standard rate | Nearly zero if practitioner is contracted |
| Adult dental prostheses | Partial per CNS nomenclature | Significant — out-of-pocket often substantial |
| Adult dental implants | 0% (except medical exceptions) | CMCM Denta & OptiPlus: €500/implant (max €2,000/year). AXA Privilège: €800/tooth. Foyer confort: 100% of prostheses and implants |
Sources: CNS — dentists and orthodontics · CMCM, DKV, Foyer, AXA brochures — June 2026.
Mandatory CNS prior approval — For major orthodontic treatments (fixed braces, multi-brackets), the CNS requires prior approval from the Medical Control before costs are incurred. Treatment must begin before the child’s 17th birthday. Without this approval, reimbursement may be refused even if the child is still a minor. Have your orthodontist prepare an estimate and submit it to the CNS before treatment begins.
How to choose your family health insurance in Luxembourg
Choosing family health insurance depends on several factors specific to your situation. Here is the Switchr method for selecting the plan best suited to your household in 2026.
Count your children and assess the pricing impact
With 3 or more children, CMCM is the natural choice thanks to its flat household rate — each additional child is covered at no extra cost. With 1 or 2 children, compare the total cost (adults + children) at DKV, Foyer and AXA to find the most economical solution. Remember: children under 18 are already well covered by the CNS.
Assess your medical history and your partner’s
Private insurers (DKV, Foyer, AXA) require a medical questionnaire at enrolment. If you or your partner have significant medical history, CMCM — with no questionnaire and no health-related exclusions — is often the most accessible and equitable solution.
Identify your priority areas
Upcoming orthodontics for the children? Optical cover for adults? Planning a pregnancy? Private room hospitalisation? Alternative medicine? Every family has different needs. Focus your coverage choices on the areas where out-of-pocket costs are highest for your specific profile. Use our coverage comparison tool to compare plans item by item.
Plan ahead for family life events
Expecting a baby? Enrol with DKV before delivery to benefit from the 2-month window without a medical questionnaire for the newborn. CMCM waiting periods apply on first enrolment (3 months) — plan accordingly.
Maximise tax deductibility for the whole family
The art. 111 LIR tax advantage is €672/person/year. For a family of 4, that is up to €2,688 in potential deductions. Ensure each family member is covered by a policy whose premium is eligible for this deduction. Private insurers (DKV, Foyer, AXA) issue an automatic annual tax certificate.
Frequently asked questions — Family health insurance in Luxembourg
How much does family health insurance cost in Luxembourg in 2026?
Prices depend on the adults’ age and health, the number of children and the coverage chosen. For a typical family (2 adults aged 35–45 + 2 children), Switchr’s 2026 estimates range from €120 to €180/month for mid-range cover, and from €180 to €250/month for comprehensive cover. CMCM offers a flat household rate regardless of the number of children, making it particularly advantageous for large families. Use our comparison tool for a quote tailored to your situation.
Are children already well covered by the CNS in Luxembourg?
Yes, the Luxembourg system is particularly generous for children. The CNS reimburses at 100% of the standard rate for virtually all care for children under 18: consultations, routine dental care, orthodontics (treatment started before 17, billed before 18), physiotherapy, psychotherapy. Supplementary insurance for children is mainly useful to cover fee overruns, private rooms during hospitalisation, or alternative medicine not covered by the CNS.
What is the best health insurance for a large family (3 or more children)?
CMCM is almost always the most advantageous solution for large families. Its flat household rate includes the spouse and all children at no additional premium. With private insurers (DKV, Foyer, AXA), each additional child generates an extra premium. Moreover, CMCM does not require a medical questionnaire and has no age limits or health-related exclusions. The combination of Régime Commun + PrestaPlus + Denta & OptiPlus provides very comprehensive cover including orthodontics, optical, dental prostheses, 1st class hospitalisation and alternative medicine.
How do I insure my newborn in Luxembourg from birth?
Your newborn is automatically registered under your CNS affiliation via the CCSS and benefits from CNS coverage at 100% from birth. For supplementary cover: with DKV, you have 2 months after birth to enrol without a medical questionnaire. With AXA, the newborn is covered free until their first birthday. With CMCM, the child is covered at no extra cost and without a questionnaire as soon as they are registered in the household.
Is orthodontics covered in Luxembourg for my children?
Yes. The CNS reimburses orthodontics at 100% of the standard rate as long as the child has not turned 18 at the time of billing, provided that treatment started before the 17th birthday. Prior approval from the CNS Medical Control is mandatory before any treatment. If the orthodontist charges above the standard rates, supplementary insurance can cover the difference: CMCM Denta & OptiPlus covers up to €500 per child for procedures DT41–DT45, and Foyer medicis confort reimburses orthodontics up to €160 over 48 months. For adults, orthodontics receives very limited CNS cover and supplementary insurance becomes essential. More information on our dental cover page.
Can family health insurance premiums be deducted from Luxembourg taxes?
Yes. Article 111 of the LIR allows health insurance premiums to be deducted as special expenses, up to €672 per person in the tax household per year. This cap is shared with motor liability insurance and mortgage insurance premiums. For a family of 4 (2 adults + 2 children), the overall cap is €2,688/year. DKV, Foyer and AXA provide an automatic annual tax certificate. CMCM issues an annual contribution summary.
Does supplementary health insurance cover alternative medicine for children?
The CNS does not reimburse alternative medicine (osteopathy, acupuncture, chiropractic, naturopathy) regardless of age. For children as well as adults, only supplementary insurance can cover these treatments. CMCM Régime Commun reimburses up to €50/session (overall cap €100/year), stackable with PrestaPlus (additional €100/year). DKV PLUS HEALTH and EASY HEALTH include alternative treatment methods. Foyer medicis confort covers osteopathy, chiropractic, TCM and naturopathy at 80% up to €1,000/year. AXA OptiSoins Active covers alternative medicine up to €500/year, and the Privilège plan up to €700/year.
How does rooming-in work for parents in Luxembourg?
The CNS does not cover rooming-in costs (a parent’s overnight stay when accompanying a hospitalised child). All three DKV plans (COMPACT HEALTH, PLUS HEALTH and EASY HEALTH) cover accommodation for a parent accompanying an insured child hospitalised up to the age of 12. DKV also covers the father’s accommodation at birth. This is a tangible advantage for young families.
Can you cancel family health insurance mid-year in Luxembourg?
Cancellation is governed by the law of 27 July 1997 on insurance contracts. For private insurers (DKV, Foyer, AXA), cancellation takes effect at the end of the insurance year, with 30 days’ written notice, and a minimum initial term of 2 years. Special circumstances allow early cancellation: premium increase, change in insurable status. For CMCM, notice must be given before 31 December.
Which insurer should I choose if a family member has medical history?
If a household member has significant medical history, CMCM is the most suitable option. It requires no medical questionnaire, has no health or age-related exclusions, and charges no surcharges. Private insurers (DKV, Foyer, AXA) may apply coverage exclusions, surcharges or refuse enrolment based on the medical questionnaire responses. CMCM guarantees access to all without medical discrimination — this is the founding principle of its mutual solidarity model.