If you're moving to Luxembourg, here's how healthcare works
Moving to Luxembourg means understanding a new healthcare system. Whether public or private, knowing your options early prevents costly surprises.
Healthcare System Overview
| Indicator | Value |
|---|---|
| System Type | Insurance Based |
| Healthcare Quality Index | 94/100 |
| Spending per Capita | €7,633 |
| Life Expectancy | 82.9 years |
How the System Works
Luxembourg's healthcare system is classified as insurance based. This means all residents contribute to a mandatory health insurance scheme, either public or private. Employers typically share the cost of public insurance premiums.
Public vs Private Healthcare
Most countries offer both public and private healthcare options:
- Public healthcare: Available to all registered residents. May have waiting lists for non-urgent procedures. Typically lower cost but less choice of provider.
- Private healthcare: Shorter wait times, choice of specialist. Higher cost but often better facilities. Many expats choose private insurance for the first year.
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Emergency Numbers
| Service | Number |
|---|---|
| Universal Emergency | 113 |
| Ambulance | 113 |
| Police | 113 |
Save these numbers in your phone before arriving in Luxembourg. In EU countries, 112 works universally. In non-EU countries, learn the local numbers and keep them accessible.
Health Insurance for Expats
As an expat in Luxembourg, your insurance options typically include:
- Employer-sponsored insurance: If employed locally, your employer may enrol you in the public system or provide private coverage
- International health insurance: Global plans from providers like Cigna, Allianz, or Bupa — ideal for the first year or if you plan to move again
- Local private insurance: Often cheaper than international plans but may have language barriers in claims
- Public system enrolment: Available once you have a residence permit and employment
Healthcare Quality
With a healthcare quality index of 94/100, Luxembourg offers excellent healthcare by international standards.
Life expectancy in Luxembourg is 82.9 years, which is above the global average.
Government healthcare spending is approximately €7633 per capita per year.
Practical Tips
- Register immediately: Sign up for health insurance within your first week of arrival
- Bring medical records: Carry translated copies of your medical history, prescriptions, and vaccination records
- Find an English-speaking doctor: Expat communities and forums often maintain lists of English-speaking practitioners
- Prescription medications: Check if your regular medications are available and legal in Luxembourg. Bring a 3-month supply with a doctor's letter
- Dental care: Dental coverage varies widely — check what your insurance covers and consider supplemental dental insurance
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Frequently Asked Questions
What is the quality of healthcare in Luxembourg?
Luxembourg's healthcare quality index is 94/100, ranking it among the top healthcare systems globally. Life expectancy is 82.9 years. Healthcare spending per capita is €7633.
How much does healthcare cost in Luxembourg?
Government healthcare spending is approximately €7633 per capita. Out-of-pocket costs depend on your insurance type and coverage. Private insurance premiums for expats typically range from €100-500 per month depending on age and coverage. GP visits, specialist consultations, and prescriptions may have co-payments.
Are prescriptions from my home country valid in Luxembourg?
Foreign prescriptions are generally not valid in Luxembourg. Bring a translated copy of your prescriptions and a doctor's letter explaining your medication needs. Visit a local GP to get prescriptions reissued. Some medications may have different brand names or availability.
Does Luxembourg's health insurance cover dental care?
Basic dental care (check-ups, emergency treatment) may be partially covered by public insurance in Luxembourg. However, major dental work (crowns, implants, orthodontics) usually requires supplemental dental insurance. Many expats purchase separate dental cover.
Can I see a doctor in English in Luxembourg?
In major cities in Luxembourg, finding an English-speaking doctor is usually possible, especially at private clinics and international hospitals. Expat communities often maintain lists of English-speaking practitioners. In rural areas, language barriers are more common.
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