CMCM
Solidarity mutual- Luxembourg’s largest mutual: 140,000+ member-families
- No medical questionnaire required — everyone accepted
- No surcharge for family members, single family contribution
- Three tiers: Régime Commun, PrestaPlus, Denta & OptiPlus
Health insurance comparison
Health insurance in Luxembourg
An overview of the main complementary health insurance providers in Luxembourg - mutual and private options to fill CNS gaps.
Providers
Main health insurance providers
DKV
LALUX Group- Three plans: Compact Health, Plus Health, and Easy Health
- Easy Health: laser eye surgery up to €3,000, alternative treatments, BEST CARE+ included
- Plus Health: optical up to €500/2 years, TRAVEL+ and BEST CARE+ included
- easyAPP mobile app for instant claim reimbursements
Foyer
Customisable- Deep expertise on CNS reimbursement gaps
- Customisable health modules within the mozaik ecosystem
- Dental, optical, and private hospital room upgrade options
- Integrated with broader Foyer insurance portfolio for multi-policy savings
AXA
Three formulas- "OptiSoins" with three formulas: Start, Active, Privilège
- Privilège: full reimbursement even when CNS does not cover costs
- Post-hospitalisation services: childcare, tutoring, domestic help, pet-sitting
- Newborns covered free from birth — cross-border workers eligible
Luxembourg market
Specificities of the Luxembourg market
Luxembourg has a mandatory public health system through the CNS (Caisse Nationale de Santé) that reimburses 80–95% of medical costs. Complementary health insurance covers the remaining co-payments and adds benefits not covered by the CNS, especially dental, optical, and private hospital rooms.
Health insurance premiums are tax-deductible up to €672 per year per household member (Article 111 L.I.R.). Cross-border workers are covered by Luxembourg CNS but receive care in their country of residence via the S1 form system.
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