Medical questionnaire for health insurance in Luxembourg: everything you need to know 2026
In Luxembourg, all private health insurers (DKV, Foyer, AXA, Baloise) require a medical questionnaire before any individual supplementary health insurance policy can be taken out. This document assesses your state of health, medical history and current treatments, and determines whether your application is accepted, declined or subject to a premium loading. The CMCM (Caisse Médico-Complémentaire Mutualiste) is the only organisation in Luxembourg that never requires a medical questionnaire and accepts all applicants, including those with chronic conditions.
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Compare health insurance plans →The medical questionnaire: purpose and requirements
The medical questionnaire (or health declaration) is a document used by private health insurers in Luxembourg to assess the medical risk of an applicant before accepting or declining their application. Unlike the French system, where mutual insurers operate on a solidarity principle (accepting all applicants without medical screening), Luxembourg applies a system of medical underwriting for private health insurance. Only the CMCM operates on a mutual model, with no questionnaire whatsoever.
The medical questionnaire is compulsory with all private health insurers for individual policies. You cannot take out a supplementary health insurance policy with DKV Luxembourg, Foyer, AXA or Baloise without completing this document. The insurer uses it to identify applicants who present a high medical risk, in order to decline their application, apply a premium loading (an increase on the standard monthly premium), or exclude cover for the declared condition.
Possible exemptions from the medical questionnaire. Certain situations allow you to be exempt from this requirement with private insurers: group employer schemes (negotiated by the employer for all employees, typically without individual medical screening), enrolling a newborn with DKV within 2 months of birth, and professional group contracts (bar associations, professional orders, associations — enrolment without a questionnaire during a limited open period). With DKV, having an equivalent pre-existing cover can also in some cases remove the questionnaire requirement when switching insurer.
| Insurer | Medical questionnaire? | Refusals possible? | Premium loadings possible? |
|---|---|---|---|
| DKV Luxembourg | ✅ YES (compulsory) | ✅ YES | ✅ YES |
| Foyer | ✅ YES (compulsory) | ✅ YES | ✅ YES |
| AXA Luxembourg | ✅ YES (compulsory) | ✅ YES | ✅ YES |
| Baloise | ✅ YES (compulsory) | ✅ YES | ✅ YES |
| CMCM Régime Commun + PrestaPlus |
❌ NEVER | ❌ NO (guaranteed acceptance) | ❌ NO (solidarity pricing — identical regardless of health status) |
| DKV — Newborn <2 months | ❌ NO (exception) | ❌ NO | ❌ NO |
| Group employer schemes | ❌ NO (subject to policy) | ❌ NO | ❌ NO |
Sources: official insurer websites, general terms and conditions — data verified June 2026.
A duty of full disclosure. The medical questionnaire is a declaration made on your honour. Any deliberate omission or misrepresentation can result in retrospective cancellation of the policy, repayment of all claims already paid out, and legal action for intentional misrepresentation. Insurers cross-check declared information against the details of significant claims. If you have a medical condition, declare it and accept the proposed loading — or choose CMCM, which will accept you without any questionnaire.
The medical questionnaire protects the insurer against adverse selection: if anyone could take out a policy without a questionnaire only when they fall ill, the system would be economically unviable. The CMCM addresses this risk through two mechanisms: waiting periods (3 months for first-time members; upon re-joining: 12 months for the Régime Commun and PrestaPlus, 36 months for Denta & OptiPlus — unless you provide a certificate proving affiliation with another insurer, in which case no waiting period applies) and solidarity pricing, where everyone pays the same rate regardless of their health status.
What does a health insurance medical questionnaire cover?
A medical questionnaire for supplementary health insurance in Luxembourg typically contains 20 to 40 questions covering your current health status, medical history, ongoing treatments, recent hospitalisations and lifestyle habits. The information requested is organised into several categories: general information (height, weight, smoking), current diagnosed conditions, ongoing medical treatments, recent hospitalisations and surgical procedures, extended sick leave, and family medical history.
📊 General information
The insurer will calculate your Body Mass Index (BMI = weight in kg / height in m²). A BMI above 30 (obesity) may lead to a premium loading. Smoking: do you currently smoke? how many cigarettes a day? for how many years? Regular smokers typically face a premium increase as they carry a higher cardiovascular and oncological risk. Some insurers also ask about high-risk sports (paragliding, mountaineering, deep-sea diving).
🏥 Recent hospitalisations
Have you been hospitalised in the past 5 years? If so, for what reason, for how long, and what procedure was performed? The insurer is looking to identify recent serious conditions. A straightforward appendectomy three years ago will have no impact. A heart attack two years ago will likely result in a refusal or a significant premium loading. Planned procedures: do you have surgery scheduled in the next 12 months? The insurer may apply a specific waiting period for that procedure.
💊 Long-term treatments
Do you take medication on a regular basis? The insurer wants to identify treatments that indicate serious or costly conditions: insulin (diabetes), anticoagulants (atrial fibrillation, thrombosis), long-term corticosteroids (autoimmune diseases, severe asthma), biotherapies (rheumatoid arthritis, Crohn’s disease). Be thorough when listing your medications and include the exact name, dosage and reason for prescription.
🧬 Family medical history
Some insurers ask about the medical history of your immediate family and siblings: cancer before the age of 50, cardiovascular disease before 55, type 1 diabetes, early-onset Alzheimer’s. Such history does not generally lead to a direct refusal (you are not ill yourself), but may justify a specific waiting period on certain covers. It is primarily your own diagnosed conditions that determine the insurer’s decision.
Conditions typically asked about. The questionnaire will ask whether you are currently being treated for: diabetes, hypertension, cardiovascular conditions (heart attack, stroke, heart failure, arrhythmia), chronic respiratory conditions (asthma, COPD), autoimmune diseases (rheumatoid arthritis, Crohn’s disease, lupus), cancer or tumours (even in remission), psychiatric conditions (severe depression, bipolar disorder), neurological disorders (epilepsy, multiple sclerosis), renal or hepatic insufficiency, HIV. For each declared condition, you will need to specify the date of diagnosis, current treatments and current status (stable, progressive, in remission).
Common conditions frequently overlooked by mistake. Several chronic conditions are often omitted because they seem « minor » or « well-controlled ». You must declare: treated hypertension even if perfectly controlled, elevated cholesterol managed with statins (e.g. Tahor, Crestor), hypothyroidism treated with Levothyrox, depression or anxiety managed with antidepressants even if longstanding and stable, even mild asthma with occasional use of a bronchodilator. These conditions are risk indicators for the insurer. If in doubt, declare — a modest premium loading is far preferable to a policy being cancelled for misrepresentation.
DKV, Foyer, AXA, Baloise: who requires a medical questionnaire?
All private health insurers in Luxembourg require a medical questionnaire for individual policies. DKV Luxembourg offers several supplementary health insurance plans (including EASY HEALTH, PLUS HEALTH and COMPACT HEALTH) and requires a detailed medical questionnaire covering all conditions, treatments, hospitalisations and family history. DKV is known for rigorous medical underwriting, which can result in refusals for applicants with significant chronic conditions or recent oncological or cardiovascular history. For moderate-risk profiles (treated hypertension, high cholesterol, active smoking), premium loadings are frequently applied.
Foyer also requires a medical questionnaire for its supplementary health insurance plans. The content is similar to DKV’s (conditions, treatments, hospitalisations) and the underwriting criteria are broadly comparable. Foyer notably promotes its Novamut electronic transmission system for cross-border workers, which simplifies the administrative management of reimbursements between Luxembourg and France, but has no bearing on medical underwriting at the point of application. AXA Luxembourg and Baloise also use medical questionnaires for their individual supplementary health insurance plans, with underwriting standards broadly in line with those of their competitors.
The underwriting process with private insurers typically follows these steps: (1) completing the medical questionnaire at the quote request stage; (2) review of the application file by the insurer’s medical team; (3) decision communicated by post or email: standard acceptance (standard rate), acceptance with a premium loading (which you may accept or decline), acceptance with exclusion of a specific benefit, or refusal. The response time is generally 5 to 15 working days. In the event of a refusal, the insurer is not obliged to give detailed medical reasons for its decision (health data protection).
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Get quotes →CMCM: the only option without a medical questionnaire
The CMCM (Caisse Médico-Complémentaire Mutualiste) is the only organisation in Luxembourg that operates on the principle of solidarity without medical screening. It never requires a medical questionnaire, regardless of your condition, age or medical history. Diabetes, cancer, autoimmune disease, renal insufficiency, cardiovascular history — the CMCM accepts all profiles without asking any questions about your health. It is the only health insurer in Luxembourg that guarantees 100% acceptance for all applicants.
The CMCM compensates for the absence of medical screening through two main mechanisms. Solidarity pricing: everyone pays the same rate for their chosen module, regardless of health status — a diabetic and a perfectly healthy person pay exactly the same monthly contribution for the same cover. Waiting periods: 3 months for first-time members (to prevent people from joining only in the event of an immediate emergency); upon re-joining after cancellation, the waiting period is 12 months for the Régime Commun and PrestaPlus, and 36 months for Denta & OptiPlus. Important exception: if you provide a certificate proving that you were a member of another mutual or competing insurer at the time of your application, the CMCM will readmit you with no waiting period at all. These waiting periods are the counterpart to the absence of medical screening.
Private insurers (DKV, Foyer, AXA…)
- Medical questionnaire compulsory (20–40 questions)
- Review by a medical adviser
- Refusals possible for serious conditions
- Premium loadings possible based on health profile
- Benefit exclusions possible
- Individual pricing based on health status
- Inaccessible for serious chronic illness
- Generally broader cover (optical, hospitalisation, dental)
CMCM (mutual)
- No medical questionnaire — ever
- 100% guaranteed acceptance for all profiles
- No refusals regardless of medical condition
- No health-related premium loadings
- No benefit exclusions
- Solidarity pricing — identical regardless of health status
- Waiting periods (3 months first membership; 12 months re-joining Régime Commun/PrestaPlus; 36 months Denta & OptiPlus; 0 with competing insurer certificate)
- Annual reimbursement caps per module
The CMCM offers several levels of cover, all without a medical questionnaire. The Régime Commun (the compulsory base module) covers, among other things, your personal contribution during a hospitalisation, outpatient costs (doctors, medication) up to an annual cap of €2,500, and includes CMCM-Assistance (24/7 international medical assistance, unlimited repatriation, trip cancellation). The PrestaPlus module enhances hospitalisation cover (private room, first-class consultant fee supplements) and adds preventive medicine benefits. The Denta & OptiPlus module covers advanced dental and optical costs (dentures, implants, orthodontics, glasses, lenses, refractive surgery). These modules can be combined to suit your needs, without ever having to complete a medical questionnaire.
The CMCM trap to avoid. If you were previously a CMCM member, then cancelled to join a private insurer, and now wish to return to CMCM (after being refused by DKV, for example), the CMCM will always accept you — without a medical questionnaire. However, a re-joining waiting period applies: 12 months for the Régime Commun and PrestaPlus, 36 months for Denta & OptiPlus. Exception: if you are still covered by another insurer at the time of re-application and can prove it (competing insurer certificate), you are readmitted with no waiting period. This is not a penalty — it is the mutual system’s protection against opportunistic back-and-forth. Golden rule: once you are with the CMCM, do not leave if you have any medical conditions or history, however minor.
What to do if your application is declined?
If DKV, Foyer, AXA or Baloise declines your application after reviewing your medical questionnaire, you will receive a refusal notice stating that the insurer cannot proceed with your application. The insurer is not required to provide detailed medical reasons for the refusal (medical confidentiality, health data protection). You then have four main options.
✅ Option 1 (recommended): apply to CMCM
This is the safest and most straightforward solution. The CMCM will accept you without any questions, without a loading, without exclusions. Full cover from the end of the 3-month waiting period (first-time membership). If you are still covered by your current insurer at the time of application, present a competing insurer certificate to the CMCM — you will be readmitted with no waiting period. Solidarity pricing based solely on the cover chosen. Do not waste time trying several private insurers if your condition is serious — you will be refused everywhere except at CMCM.
⚠️ Option 2: try another private insurer
If your condition is moderate (controlled hypertension, cholesterol managed with statins, stable hypothyroidism, mild asthma), one insurer may accept what another has refused. Underwriting criteria vary slightly from one insurer to another. However, each application creates a record and adds to your administrative burden. Our recommendation: try at most one other insurer after an initial refusal, then opt for the CMCM if you receive a second refusal.
❌ Option 3 (not recommended): remain without supplementary cover
Relying solely on the CNS leaves you exposed to significant out-of-pocket costs in Luxembourg: dental prostheses running into hundreds or thousands of euros, private hospital rooms, progressive lenses, laser eye surgery. Over the long term, having no supplementary cover represents a considerable financial exposure — at the worst possible moment, when you are ill. Always take out a CMCM policy even if you have been refused by private insurers — that is precisely the situation the CMCM was designed for.
📋 Option 4: request a review
If you believe the refusal is unjustified (an old condition that has been fully resolved, a minor history more than 10 years ago), you can request a review by providing additional medical evidence: a certificate from your GP confirming the absence of any active condition, recent normal test results, a complete remission certificate. The insurer may then reconsider its decision. This approach is only useful in borderline cases — it has no realistic chance of success for an active chronic condition.
Premium loadings and exclusions: how do they work?
When a private insurer accepts your application despite one or more declared conditions, it may apply a premium loading (a percentage increase on the standard monthly premium) or benefit exclusions (certain declared conditions will not be covered). A loading of +30% means that if the standard rate for your age is €80/month, you will pay €104/month. Loadings range from +10% to +100% depending on the severity and anticipated cost of the condition. The exact amount of any loading is determined on a case-by-case basis by the insurer’s medical adviser — the figures below are indicative, based on real-world feedback.
| Declared condition | Likely decision | Indicative loading | CMCM alternative |
|---|---|---|---|
| Controlled hypertension Single medication, normal blood pressure |
Accepted with minor loading | +10–20% | Accepted, no loading |
| High cholesterol managed with statins | Accepted with minor loading | +10–15% | Accepted, no loading |
| Stable hypothyroidism on Levothyrox | Accepted with minimal loading | +5–10% | Accepted, no loading |
| Mild occasional asthma | Accepted with moderate loading | +15–25% | Accepted, no loading |
| Overweight (BMI 30–35) | Accepted with loading | +15–30% | Accepted, no loading |
| Active smoking (>10 cigarettes/day) | Accepted with loading | +20–40% | Accepted, no loading |
| Non-insulin-dependent type 2 diabetes Well controlled (HbA1c < 7%) |
High loading or refusal | +40–70% or refusal | Accepted, no loading |
| Insulin-dependent type 1 diabetes | Likely refusal | Refusal | Accepted, no loading |
| Cancer in remission <5 years | Refusal | Refusal | Accepted, no loading |
| Active autoimmune disease Rheumatoid arthritis, Crohn’s, lupus |
Refusal | Refusal | Accepted, no loading |
| Heart failure / recent stroke | Refusal | Refusal | Accepted, no loading |
Indicative estimates based on real-world feedback and policyholder accounts — 2026. Each application is assessed individually by the insurer’s medical adviser. These figures do not constitute a guarantee of any decision.
Benefit exclusions work differently from premium loadings. The insurer accepts you at the standard rate but specifically excludes reimbursement for your declared condition. For example: you declare type 2 diabetes, and the insurer accepts you with « diabetes excluded » — all consultations, medication and complications relating to diabetes will never be reimbursed, but everything else (dental, optical, hospitalisation for another reason) is covered normally. This is often less advantageous than it appears: you pay your full premium but are not covered for your main condition. The CMCM, by contrast, reimburses everything with no exclusions.
Premium loadings compound over time. A +30% loading at age 35 represents a modest monthly extra. But the base rate rises with age — the same +30% loading at age 65 can amount to an extra €40–60 per month. Over 30 years, a permanent loading can represent a very significant cumulative additional cost compared with CMCM, which never applies health-related loadings. Calculate the total long-term cost before accepting a loading offered by a private insurer.
Conditions likely to trigger a refusal or premium loading
Below is an indicative classification of conditions according to their likely impact on the insurer’s decision. This information is based on real-world feedback and may vary between insurers and depending on changes in your individual medical situation.
Conditions that almost always result in refusal by private insurers: insulin-dependent type 1 diabetes; active cancer or recent remission (less than 3 to 5 years depending on type and stage); serious cardiovascular disease (heart failure, recent myocardial infarction, recent stroke, unstable angina); active autoimmune diseases requiring biotherapy (rheumatoid arthritis, severe Crohn’s disease, systemic lupus erythematosus, progressive multiple sclerosis); end-stage chronic renal failure (dialysis, kidney transplant); advanced hepatic failure (decompensated cirrhosis, severe active chronic hepatitis); AIDS-stage HIV; severe psychiatric conditions with repeated hospitalisations.
Conditions likely to attract a premium loading (acceptance possible but at a higher rate): non-insulin-dependent type 2 diabetes, even if well-controlled; significant obesity (BMI above 35); advanced-stage COPD; stable, long-standing cardiovascular history (myocardial infarction more than 5 years ago, stents, coronary bypass); severe treated sleep apnoea; epilepsy under treatment; moderate COPD. Conditions generally acceptable with a minor loading: controlled hypertension on a single medication; high cholesterol managed with statins; stable hypothyroidism; mild or moderate asthma on maintenance therapy; active smoking; chronic depression stabilised on antidepressants.
Special case: cancers in remission. Insurers systematically refuse applicants with active cancer or recent remission (less than 3 years). Between 3 and 5 years of complete remission, some cancers with a good prognosis may be accepted with a significant loading. After 5 or more years of complete remission with no recurrence or treatment, some cancers with an initially favourable prognosis (thyroid, testicular, stage I melanoma) may be accepted with a moderate loading. Cancers with a guarded prognosis often remain excluded even after several years of remission. The CMCM accepts all oncological history, regardless of type, stage and date of diagnosis, with no loading and no exclusions.
How to complete your medical questionnaire correctly
Completing a medical questionnaire accurately rests on three pillars: honesty, precision and thoroughness. Here are the key rules to follow.
Declare all diagnosed conditions. Any chronic condition diagnosed by a doctor and treated medically must be declared, even if you consider it minor or perfectly controlled. If you take daily medication for a condition, that condition must appear in your questionnaire. Be precise about dates and treatments. State the date of diagnosis, your medications with their exact name, dosage and frequency, and the current status of the condition. A precise description reassures the insurer about the stability of your medical situation and can make the difference between a refusal and acceptance with a modest loading.
Do not declare routine consultations with no diagnosis. A repeat prescription for the contraceptive pill, an annual check-up with no abnormal results, or a sports medical certificate are not « conditions » to declare. Only declare consultations that resulted in a diagnosis or a prescription for ongoing treatment. Provide reassuring supporting evidence if you declare a condition. A recent certificate from your GP confirming that your condition is « well-controlled, with no complications to date » can positively influence the insurer’s decision. Also mention recent normal test results (normal blood pressure, satisfactory HbA1c, normal ECG, etc.).
✅ Example of a good declaration
Question: « Are you currently being treated for hypertension? »
Good answer: « YES. Diagnosed: March 2020. Treatment: Ramipril 5 mg once daily. Current blood pressure: 125/80 (controlled). Last cardiology appointment: October 2026, no complications detected, normal ECG. Regular annual follow-up. »
Why this works: honest, precise and reassuring. The insurer can consider acceptance with a minor loading rather than a refusal.
❌ Example of a poor declaration
Question: « Are you currently being treated for hypertension? »
Poor answer: « YES. I’ve had slightly high blood pressure for a few years. I take medication for it. »
Why this is problematic: vague and imprecise. The insurer doesn’t know the duration, which medications, what dose, or whether it’s controlled. Likely outcome: a request for further details (added delay) or a precautionary refusal.
Switching insurer: is a new questionnaire required?
The answer depends on the type of switch you are considering. If you move from one private insurer to another (for example from DKV to Foyer), the new insurer will require a full medical questionnaire, just as if you were applying for the first time. You will be assessed on your current state of health — if your medical situation has changed since your original application, the outcome may be different (better or less favourable). Some insurers may simplify the questionnaire if you can demonstrate continuous, long-standing equivalent cover with your previous insurer, but this is at their discretion.
If you move from a private insurer to CMCM, no medical questionnaire is ever required. The CMCM asks no questions about your health, regardless of your prior history. Be aware of waiting periods, however: if this is your first CMCM membership, the waiting period is 3 months. If you have previously been a CMCM member, the re-joining waiting period is 12 months for the Régime Commun and PrestaPlus, and 36 months for Denta & OptiPlus. Important exception: if you are still covered by your private insurer at the time of joining CMCM and can provide a competing insurer certificate, no waiting period applies. If you move from CMCM to a private insurer, the new insurer will require a full medical questionnaire. If you have developed a condition during your CMCM membership and the private insurer refuses you, you will need to return to CMCM. If your former CMCM policy has already been cancelled, a re-joining waiting period will apply (12 or 36 months depending on the module, unless you have a competing cover certificate). This is the key risk to consider carefully before leaving CMCM.
Leaving CMCM: a risk not to be underestimated. A common scenario: you have been with CMCM for several years, you are in good health, and someone close to you suggests a private insurer can offer better cover. You cancel your CMCM policy and take out a policy with DKV, with a loading for mild hypertension. A few years later, you develop type 2 diabetes. Your policy renewal is at risk or your terms deteriorate. You want to return to CMCM — but you are no longer covered by any competing insurer at the time of the application, so a re-joining waiting period applies: 12 months for the Régime Commun and PrestaPlus, 36 months for Denta & OptiPlus. The decision to leave CMCM should not be taken lightly, especially if you already have medical conditions or are over 40.
Frequently asked questions about the medical questionnaire
Is the medical questionnaire compulsory for all supplementary health insurance in Luxembourg?
Yes, all private health insurers in Luxembourg (DKV, Foyer, AXA, Baloise) require a compulsory medical questionnaire before any individual policy can be taken out. This questionnaire assesses your state of health and determines whether your application is accepted, declined or subject to a premium loading. The only exception is the CMCM (Caisse Médico-Complémentaire Mutualiste), which never requires a medical questionnaire and accepts all applicants without medical screening, regardless of their condition.
What happens if I lie or omit information in my medical questionnaire?
A deliberate omission or misrepresentation can have very serious consequences: retrospective cancellation of the policy (as though you had never been insured), an obligation to repay all claims already received, the insurer retaining all premiums paid, and possible legal action for intentional misrepresentation. Insurers cross-check declared information against medical records when processing significant claims. Full disclosure is not only a legal obligation — it is also in your long-term interest. If you have a medical condition, declare it honestly or opt for CMCM, which will accept you without a questionnaire.
What should I do if DKV declines my health insurance application?
If DKV (or any other private insurer) declines your application, the most effective and safest option is to apply to CMCM straight away: guaranteed acceptance with no questionnaire, no premium loading, full cover (hospitalisation, dental, optical depending on chosen modules), with a waiting period of just 3 months for first-time members. If you have previously been a CMCM member, re-joining waiting periods apply (12 months for Régime Commun/PrestaPlus, 36 months for Denta & OptiPlus), unless you provide a competing insurer certificate. If your condition is moderate (controlled hypertension, cholesterol, mild asthma), you can also try another private insurer such as Foyer or AXA, which have slightly different underwriting criteria. However, if you have a serious condition (insulin-dependent diabetes, oncological history, cardiovascular disease), do not multiply your attempts — CMCM is your only viable option.
Do I need to declare my hypertension, cholesterol or hypothyroidism?
Yes, you must declare all chronic conditions that have been diagnosed and are being treated medically, even if you consider them minor or perfectly controlled. If you take a daily antihypertensive (Ramipril, Losartan, Amlodipine…), statins for cholesterol (Tahor, Crestor…), or Levothyrox for hypothyroidism → declare these conditions. Failure to declare treated chronic conditions is the most common reason for retrospective policy cancellation. The impact on your premium will generally be modest for these conditions (loading of approximately +5 to +20%). If you want to avoid any loading at all, the CMCM will accept you at the standard rate with no questionnaire required.
Does CMCM cover the same things as private insurers?
The CMCM covers the main healthcare costs (hospitalisation, outpatient care up to an annual cap, dental, optical) but with defined reimbursement caps and separate modules to subscribe to. The Régime Commun includes an annual cap of €2,500 for outpatient costs and basic hospitalisation cover. The cover may be less extensive than the most generous private insurer plans for certain very specific items. That said, for people with chronic conditions, the CMCM offers a decisive advantage: no questionnaire, no loading, no exclusions — all conditions, even the most serious, are covered on the same terms as for a perfectly healthy person. This is fundamentally different from a private insurer that may accept your application but exclude reimbursement for your main condition.
Do newborns need to complete a medical questionnaire?
With DKV Luxembourg, a newborn can be enrolled without a medical questionnaire provided the application is made within 2 months of birth. If you are a DKV policyholder and are expecting a child, apply to enrol your baby within the first few weeks after birth to benefit from this exception and avoid any medical questionnaire, even if the child has neonatal conditions. After this 2-month window, a medical questionnaire will be required. At CMCM, no medical questionnaire is ever required for children, regardless of age or health status.
Can I switch health insurer without completing a new medical questionnaire?
Any switch to a private insurer (DKV, Foyer, AXA, Baloise) involves a new full medical questionnaire, just as if you were applying for the first time. If you switch from a private insurer to CMCM, however, no questionnaire is ever required. For a first-time CMCM membership, the waiting period is 3 months. If you have previously been a CMCM member, re-joining waiting periods apply depending on the cover. If you leave CMCM for a private insurer, consider the risk carefully: if the new insurer declines you, you will need to return to CMCM with a re-joining waiting period. Weigh this decision carefully.
What are the waiting periods for re-joining CMCM after cancellation?
Re-joining waiting periods at CMCM vary by cover: 12 months for the Régime Commun and PrestaPlus, 36 months for Denta & OptiPlus. However, there is an important exception: if you hold a certificate proving that you were a member of another mutual or competing insurer at the time of your re-joining application to CMCM, no waiting period applies. In practice: if you switch directly from your private insurer to CMCM (your previous policy is still active or has just ended), present your previous membership certificate and you will be covered immediately (without a waiting period). The penalising waiting period only applies to people who had a gap in insurance coverage between their previous membership and re-joining CMCM.
How long does the insurer keep my medical questionnaire?
The insurer retains your medical questionnaire for the entire duration of your policy and beyond, in line with Luxembourg’s legal archiving requirements. This document may be consulted by the insurer’s medical team at any time, particularly when processing significant reimbursement requests. Your health data is protected by medical confidentiality and the GDPR — the insurer cannot share it with other insurers or third parties without your explicit consent. Each insurer keeps its own questionnaire on file: if you switch insurer, the new insurer does not have access to the questionnaire completed with your previous insurer.
Is it possible to get supplementary health insurance without a medical questionnaire other than through CMCM?
Yes, in certain specific situations. Group employer schemes (where your employer takes out a group policy for all employees) generally allow enrolment without an individual medical questionnaire. Professional group contracts (professional orders, associations) sometimes provide a questionnaire-free enrolment period. Enrolling a newborn with DKV within 2 months of birth is a well-known exception. Outside these cases, for individual policies, CMCM remains the only option guaranteeing acceptance without a medical questionnaire.
Does a cancer in remission automatically result in a refusal?
Active cancer results in a systematic refusal from all private insurers. For cancer in complete remission, the decision depends on the time elapsed, the type of cancer and its initial prognosis. As a general rule, less than 3 years of remission = systematic refusal. Between 3 and 5 years, some cancers with a good prognosis may be accepted with a significant loading. After 5 or more years of complete remission with no recurrence, some cancers with an initially favourable prognosis (thyroid, testicular, stage I melanoma) may be accepted with a moderate loading. The CMCM accepts all oncological history unconditionally, with no loading and no exclusions — it is often the only accessible and most relevant option for people with a cancer history.