Health insurance hospitalisation in Luxembourg: private room, supplements and reimbursements 2026

What the CNS reimburses for your hospitalisation

The Caisse Nationale de Santé (CNS) provides the compulsory base cover for hospitalisations in Luxembourg. The system operates on the principle of full third-party payment: the hospital bills the CNS directly for all hospital services (treatment, tests, medication, shared room stay) and you pay nothing upfront. The CNS reimburses 100% of hospitalisation costs in a shared room (standard 2nd-class room, double or triple), except for a statutory daily contribution of €26.14 since 01.05.2025, capped at 30 days per calendar year — beyond that, the CNS covers everything (a maximum of €784.20/year).

The €26.14 daily contribution applies to inpatient stays (with at least one overnight stay). For day hospital admissions (same-day admission and discharge, no overnight stay), the contribution is reduced to €13.07/day. Certain patient categories are fully exempt from the daily contribution: children and young people under 18, women in maternity (exemption for the first 12 days following childbirth), and stays covered by the Accident Insurance. Psychiatric hospitalisations in approved facilities also benefit from a specific regime.

Source: CNS Luxembourg — Hospitalisation — Rates in force since 01.05.2025.

Medical fees in hospital follow a distinct logic. During an inpatient stay (with at least one overnight stay), all fees from physicians involved in your care (surgeon, anaesthetist, radiologist, etc.) are reimbursed by the CNS at 100% of the schedule rate. However, if your treatment is outpatient (consultation, procedure, or examination without hospitalisation), fees are reimbursed at 88% of the agreed rate — you pay 12% as a co-payment. If you choose a private room, a 66% surcharge is added to the fees of every attending physician.

Cross-border workers affiliated to the Luxembourg CNS (living in France, Belgium or Germany while working in Luxembourg) receive the same reimbursements as residents when hospitalised in Luxembourg. If hospitalised in their country of residence, benefits are reimbursed by their local fund at the rates of that country. For any planned hospitalisation abroad, a prior authorisation (form S2) must be requested from the CNS before admission, otherwise reimbursement may be refused.

Private room: costs and supplements

Staying in a private room (also called 1st-class room, private room or single room) is treated by the CNS as a personal preference, unless medically prescribed isolation is required (contagious illness, immunosuppression, unavailability of a shared room). This choice generates two types of additional costs not covered by the CNS: a daily room supplement billed directly by the hospital (varying by establishment and room type), and a 66% surcharge on medical fees applied by every physician involved in your care.

Private room supplements vary considerably between hospitals. As a general guide, daily supplements typically range from €50 to €75/day for a standard private room and from €100 to €150/day for a superior or premium private room. These amounts add up quickly: a 5-day stay in a standard private room already generates €250 to €750 in room supplements before any medical fee surcharges. It is advisable to check the exact rates directly with the hospital at admission.

Indicative estimates 2026 based on information available on Luxembourg hospital websites. Exact rates vary by establishment and availability — check directly with the hospital.

The 66% surcharge on medical fees applies to all procedures carried out during your private room stay. In practical terms: if a surgeon charges €1,000 for a procedure at the CNS schedule rate (fully reimbursed in a shared room), they can charge €1,660 in a private room. The CNS reimburses €1,000; you pay €660 out of pocket (or through your supplementary insurer). This surcharge applies to every attending physician: surgeon, anaesthetist, assistants, radiologists, consultants. For a complex surgical procedure involving several specialists, the combined surcharges can reach several thousand euros. Important exception: if you are placed in a private room for prescribed medical reasons (isolation, documented unavailability of a shared room), the 66% surcharge cannot legally be applied.

Further costs may arise during a private room stay: telephone, television, WiFi access (sometimes free), a companion’s meals (not covered by the CNS), or an extra bed for a parent wishing to stay with a hospitalised child. These so-called « comfort » services can add €30 to €100 per day to the final bill. Some supplementary health insurers reimburse these ancillary costs up to a daily allowance — check your policy terms and conditions.

Why take out supplementary hospitalisation cover?

Supplementary hospitalisation insurance covers everything the CNS does not pay for during a hospital stay. The three main items are: the CNS daily contribution (€26.14/day, maximum €784.20/year in a shared room), the private room supplement (€50 to €150/day depending on the hospital) and the 66% surcharge on medical fees in a private room (potentially several thousand euros for complex procedures). Supplementary cover also unlocks additional services: choice of consultant or senior physician, daily benefit, rooming-in (parent accompanying a hospitalised child), or international medical assistance.

Comparison DKV, CMCM, Foyer, AXA: hospitalisation cover

The main providers of supplementary hospitalisation insurance in Luxembourg are DKV Luxembourg, CMCM, Foyer medicis and AXA OptiSoins. CMCM is an open-membership mutual fund (no medical questionnaire, no age limit) with two complementary cover levels: Régime Commun (basic cover) and PrestaPlus (additional option). DKV offers three main plans: COMPACT, PLUS and EASY HEALTH. Foyer medicis offers two plans — hospi+ (hospitalisation only) and confort (comprehensive cover). AXA OptiSoins covers hospitalisation according to the plan chosen (Start, Active or Privilège).

Sources: official brochures from CMCM, DKV, Foyer Assurances, AXA — Data verified June 2026. Exact amounts and reimbursement conditions are set out in each insurer’s general terms and conditions.

CMCM Régime Commun is the mutual’s basic cover: it reimburses hospital costs and medical fees not covered by the CNS, including the private room and the 66% surcharge in the event of surgery or serious medical treatment. For other hospitalisations (simple admission, monitoring, medical stay without major surgery), only the CNS daily contribution is reimbursed. CMCM PrestaPlus extends private room cover and the 66% surcharge to all hospitalisations: minor or intermediate surgery, childbirth, and hospitalisation without surgery. Co-insured members (spouse and children) benefit from both cover levels at no extra cost.

DKV Luxembourg‘s COMPACT, PLUS and EASY HEALTH plans all include private room cover, the 66% surcharge, and a daily hospitalisation benefit (€30/day for COMPACT and PLUS, €20/day for EASY). Geographical coverage extends across all of Europe, plus the first month outside Europe. DKV requires a medical questionnaire at sign-up — exclusions or additional premiums may apply. Foyer medicis hospi+ covers inpatient medical care, the private room or a daily benefit, and pre- and post-hospitalisation treatments within 30 days before and 90 days after the stay, with free choice of hospital across all of Europe — particularly valuable for cross-border workers. AXA OptiSoins covers hospitalisation according to the plan chosen, with cover extended to temporary worldwide stays for up to 60 days.

Maternity hospitalisation: specific rules

Childbirth in Luxembourg benefits from a full exemption from the CNS daily contribution for the first 12 days of hospitalisation. The CNS reimburses 100% of hospital services (delivery, post-partum care, newborn examinations) and 100% of medical fees during an inpatient stay. A vaginal delivery typically lasts 3 to 4 days, a caesarean section 5 to 6 days — these stays are therefore fully exempt from the daily contribution. In a shared maternity room, the stay is entirely free for the mother.

In a private maternity room, room supplements are added, along with the 66% surcharge on the fees of every attending physician. For an uncomplicated vaginal delivery (3 to 4 days), the room supplements amount to several hundred euros, on top of surcharges on the obstetrician’s, anaesthetist’s (for the epidural) and paediatrician’s fees. For a planned caesarean section (5 to 6 days), the corresponding surcharges are also higher. In total, a private room delivery can result in out-of-pocket costs of €1,200 to €2,500 or more depending on the type of delivery and room category.

Indicative estimates 2026 for a standard private room — exact amounts depend on the hospital, room type and fees charged.

Supplementary health insurance covers all private room delivery costs. CMCM PrestaPlus reimburses the private room and 66% surcharges for deliveries. DKV COMPACT, PLUS and EASY HEALTH reimburse the private room, 66% surcharges, the daily benefit, and the father’s accommodation at the birth. Foyer medicis hospi+ covers the private room or pays a daily benefit across all of Europe. AXA OptiSoins covers hospitalisation according to the plan chosen. The result: with the right supplementary cover, a private room delivery costs you nothing, compared to €1,200 to €2,800 without cover.

Surgery and major procedures

Major surgical procedures generate the highest out-of-pocket hospitalisation costs in Luxembourg, due to the number of physicians involved and the complexity of the procedures. For cardiac surgery (coronary bypass, valve replacement), a full team is involved — cardiac surgeon, anaesthetist, perfusionist, surgical assistants, cardiologist, radiologist — and each applies the 66% surcharge in a private room. The combined surcharges can reach several thousand euros over a 10- to 15-day stay. Without supplementary cover, the total out-of-pocket cost can represent several months’ salary.

For a hip or knee replacement (common orthopaedic surgery after the age of 60), the stay typically lasts 7 to 10 days. The fees of the orthopaedic surgeon, anaesthetist and other physicians involve significant surcharges in a private room, on top of the room supplement for the entire duration of the stay. For an appendectomy or cholecystectomy, the stay is shorter (3 to 5 days) but the out-of-pocket cost in a private room can still amount to €1,000 to €2,000. With CMCM PrestaPlus or DKV (COMPACT, PLUS or EASY HEALTH), cover is comprehensive — without supplementary insurance, you bear the full cost yourself.

Children’s hospitalisation: key points

Children and young people under 18 benefit from a very favourable arrangement for hospitalisation in Luxembourg: €0 CNS daily contribution, regardless of the length of stay and the type of room. A 7-day paediatric stay in a shared room therefore costs nothing for the child. If you choose a private room for your hospitalised child, only the room supplement and the 66% medical fee surcharge remain at your expense — not the CNS daily contribution.

Rooming-in (the option for a parent to stay with the hospitalised child) is well-established in Luxembourg’s paediatric wards. The CNS covers the provision of a companion bed for parents of hospitalised children under the age of 14. The parent’s meals are not covered by the CNS (€15 to €25 per meal depending on the hospital). DKV COMPACT, PLUS and EASY HEALTH explicitly reimburse rooming-in costs for a parent when the insured child is hospitalised.

The most common paediatric conditions requiring hospitalisation include bronchiolitis (3 to 5-day stay), severe gastroenteritis with dehydration (2 to 3 days), appendicitis (surgery + 3 to 5 days), complex fractures (3 to 7 days) and pneumonia requiring intravenous antibiotics (5 to 7 days). In a shared room, these hospitalisations are free for the child. In a private room, room supplements and 66% surcharges can amount to €1,000 to €2,000 depending on the procedure.

Cost of supplementary hospitalisation cover

The cost of supplementary health insurance including hospitalisation cover in Luxembourg varies according to age, household composition, the extent of cover, and for some insurers, health status at entry (medical questionnaire for DKV and AXA). The figures below are indicative estimates; for a precise figure tailored to your profile, request a personalised quote. CMCM publishes its contribution schedules on its website (cmcm.lu).

With CMCM, contributions are set by age band. Co-insured members (spouse, children) are covered at no extra cost — a major advantage for families. With private insurers, each household member pays their own premium calculated on their individual profile.

To assess the value of supplementary hospitalisation cover, compare the annual premium cost against the potential savings from a single hospitalisation. A private room delivery (€1,200 to €2,500 without cover) or a hip replacement (€3,000 to €5,000 or more without cover) represents several years’ worth of premiums recovered in a single procedure.

How to choose your hospitalisation insurance

Choosing supplementary hospitalisation cover depends on your risk profile, family situation, age and priorities. The main criteria to assess are: the scope of private room cover (all hospitalisations or only certain procedures?), coverage of the 66% surcharge, access conditions (medical questionnaire? waiting periods?), additional services (daily benefit? rooming-in? second medical opinion?), geographical coverage, and the pricing model (individual or family, with or without free co-insured members).

Frequently asked questions about hospitalisation in Luxembourg