Expat insurance in Luxembourg

An overview of the main international health insurance providers for expats and cross-border workers in Luxembourg.

Main expat insurance providers

Foyer Global Health

Luxembourg-based
  • Only Luxembourg-headquartered international health insurer
  • Three plans: Essential, Special, Exclusive — all with unlimited annual coverage
  • Deductible options: €0 / €250 / €500 / €1,000 per year
  • Ecare telemedicine (EN/DE/FR/ES) and digital mental health coaching included

Allianz Care

Global network
  • Three tiers: Care Base ($1.35M), Care Enhanced ($2.7M), Care Signature ($5M)
  • Expat Assistance Programme: 24/7 legal, financial, and personal support
  • Telehealth services and digital wellness tools included in all plans
  • Maternity and fertility coverage included from Enhanced tier

Cigna Global

Modular plans
  • Three core tiers: Silver ($1M), Gold ($2M), Platinum (unlimited)
  • Modular add-ons: International Outpatient, Vision & Dental, Health & Wellness
  • Platinum covers all inpatient, cancer, and mental health care in full
  • Worldwide coverage with optional USA inclusion

April International

Six coverage levels
  • MyHealth International: six levels from Emergency (€250K) to Premium (unlimited)
  • Optional add-on modules: Outpatient, Vision & Dental, Maternity
  • Strong in the Greater Region (France-Belgium-Luxembourg corridor)
  • Competitive options for young professionals, families, and digital nomads

Specificities of the Luxembourg market

Luxembourg has one of Europe’s highest proportions of foreign residents — nearly 48% of the population. Upon arrival, expats face a CNS registration waiting period during which private international coverage is essential.

Many expats also maintain international health insurance to supplement CNS coverage, especially for dental, optical, and private hospital room costs. Luxembourg’s large population of EU institution employees and international corporate staff drives demand for globally portable plans with worldwide coverage.

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