Registering with the social security system and having healthcare expenses reimbursed while studying in Luxembourg

Last updated more than 5 years ago

All persons older than 18 years of age who are students in the Grand-Duchy of Luxembourg must be registered with the social security system in order to have their healthcare expenses reimbursed.

This registration may be mandatory or voluntary depending on the personal situation of the student. In point of fact a distinction is made between students residing in Luxembourg, cross-border students and students residing abroad but studying in Luxembourg.

Moreover, provided they are older than 18 years of age or suffering from a serious chronic disease, students may choose their own general practitioner (GP), who will provide ongoing medical monitoring appropriate to their situation.

Who is concerned

All students regularly enrolled in a university establishment in Luxembourg must have health coverage, regardless of their place of residence.

Final registration in the university establishment, that is, after paying enrolment fees, confers entitlement to student status and the issuance of a certificate of student enrolment.

Health insurance benefits are paid by the relevant health insurance fund. For students who are personally enrolled, benefits are covered by the National Health Fund (Caisse nationale de santé - CNS).

If they are covered by the insurance of a third party, the student will depend on that party's health insurance fund, i.e., either the National Health Fund (CNS or "Gesondheetskees") for the private sector, the Health insurance fund for civil servants (Caisse de maladie des fonctionnaires et employés publics - CMFEP) or Health insurance fund for communal employees (Caisse de maladie des fonctionnaires et employés communaux - CMFEC) for the public sector, or the Health insurance fund of the CFL for Luxembourg railway workers (Entraide médicale des CFL).

Foreign students must enrol with the Joint Social Security Centre (Centre commun de la sécurité sociale - CCSS) if they are not covered by health insurance in their country of origin.

How to proceed

Enrolment of resident and cross-border students

Enrolment of resident students for health insurance coverage

Resident students are generally enrolled for mandatory health insurance as a co-insured party (with the main insured person being their father or the mother). Such students are entitled to health insurance benefits through their parents' health insurance fund.

Co-insured status must be applied for from the competent health insurance fund. The application must specify the applicant's identity and their relationship with the main insured individual. The application can be made in person at the reception desk, by telephone, email, fax or post. Supporting documents, such a a copy of the family record book or the certificate of student enrolment, may be requested in order to document the co-insured's status.

If the student is not a co-insured party and does not have any other form of insurance, they must personally enrol with the Joint Social Security Centre.

To do so, they must submit their enrolment application to the CCSS using a 'Student's mandatory insurance' (Assurance obligatoire pour étudiant) application form, accompanied by:

  • a copy of their ID card, if they do not yet have a social security number (matricule);
  • a certificate of student enrolment or similar.

The amount of health insurance contributions is calculated based on the social minimum wage.

The CCSS will send the student a letter of enrolment providing information on the start of coverage and the monthly contribution amount.

Resident students (co-insured or personally enrolled) will automatically receive a social security card, which proves their entitlement to health insurance benefits. This card must be returned to the CCSS on completion of studies.

Enrolment of cross-border students for health insurance coverage

Cross-border students may also enrol as a co-insured party under their parents' insurance:

  • if the entitlement to benefits exists in Luxembourg, when one of the parents themselves is enrolled with the social security system in Luxembourg, cross-border students are insured as resident students and are therefore entitled to health insurance benefits without restriction, to the extent that the parent concerned receives a tax reduction.
    Co-insured status must be requested from the main insured person's health insurance fund (at the reception desk, by telephone, e-mail, fax or mail), specifying the applicant's identity and their relationship with the main insured person. In support of their application, cross-border students must provide a copy of their family record book and certificate of enrolment.
    Co-insured status is attested to by a social security card, which is issued automatically and is required to receive health insurance benefits.
  • if, on the other hand, the right to benefits only exists in the neighbouring country, the student can receive healthcare benefits in Luxembourg by applying for the European health insurance card from the social security agency in their country of residence.

Students who are not a co-insured party and who do not have any other form of insurance must personally register with the Joint Social Security Centre.

To do so, they must submit their enrolment application to the CCSS using the 'Student's mandatory insurance' application form, accompanied by:

  • a copy of their ID card, if they do not yet have a social security number (matricule);
  • a certificate of student enrolment or similar.

The amount of health insurance contributions is calculated based on the social minimum wage.

The CCSS will send the student a letter of enrolment providing information on the start of coverage and the monthly contribution amount.

Cross-border students who are personally enrolled for health insurance, will be automatically sent a social security card serving as proof of their entitlement to health insurance benefits. This card must be returned to the CCSS on completion of studies.

Enrolment of foreign students for health insurance coverage

Enrolment of students covered by insurance in a Member State of European Union, the EEA or Switzerland

When entitlement to benefits exists in another Member State of the European Union (EU) or in a Member State of the European Economic Area (Norway, Iceland, Lichtenstein) or Switzerland, students can receive in-kind benefits in Luxembourg by applying for the European health insurance card from the social security agency in their country of residence.

Such students can then register with the National Health Fund (CNS). This registration is only necessary when healthcare is actually provided and when the desired reimbursement is requested from the CNS.

In order to be enrolled with Luxembourg social security agencies, students must register with the CNS, producing the following:

  • their European health insurance card or, in its absence, an S-1 form or the E109 form;
  • a certificate of student enrolment or similar.

Enrolment of students covered by insurance in a state that has signed by a bilateral agreement with Luxembourg

When entitlement to benefits exists in a state that has signed a social security agreement with Luxembourg, students must provide the CCSS with documentation proving that they are covered by the social security system in their country of origin in order to receive in-kind health insurance benefits in Luxembourg.

Such students can then register with the National Health Fund (CNS). This registration is only necessary when healthcare is actually provided and when the desired reimbursement is requested from the CNS.

In order to be enrolled with Luxembourg social security agencies, students must register with the CNS, producing the following:

  • a certificate of student enrolment or similar;
  • the relevant form established by the institution in the country of origin. These are:

Enrolment of students not covered by insurance in their country of origin

If a student does not have co-insured status or any other form of insurance, or if their country of origin has not signed a social security agreement with Luxembourg, they must personally enrol with the Joint Social Security Centre (CCSS).

To do so, they must submit their enrolment application to the CCSS using a 'Student's mandatory insurance' application form, accompanied by:

  • a copy of their ID card, if they do not yet have a social security number (matricule);
  • a certificate of student enrolment or similar.

The amount of health insurance contributions is calculated based on the social minimum wage.

For the summer semester of 2012, a monthly flat rate contribution of EUR 33 was payable by such students.

The CCSS will send the student a letter of enrolment providing information on the start of coverage and the monthly contribution amount.

Cross-border students who are personally enrolled for health insurance, will be automatically sent a social security card serving as proof of their entitlement to health insurance benefits. This card must be returned to the CCSS at the end of studies.

Benefits-in-kind received in Luxembourg include medical and dental care, drugs, and hospitalization, as well as direct payments to reimburse the cost of these benefits.

Reimbursement of students' healthcare expenses

Procedure for repayment of expenses advanced by students

When visiting a healthcare professional, students must pay the provider's/supplier's fees or bills immediately, or subsequently by bank wire.

The insured individual must then prepare a letter to be sent to the health fund with which they are enrolled:

  • for students enrolled in a Luxembourg health insurance fund, the letter, which does not require a stamp, must:
    • indicate the student's identity and national identification number (matricule);
    • mention the insured individual's bank account details, if it is a first-time request, or if their bank details have changed;
    • contain the original receipted statement of fees, or if the payment took place later, proof of payment in the form of an account statement. It does not matter whether the bank statement is a copy of the original or has been printed from an online banking website. On the other hand, a wire transfer order alone is will not suffice.
      The reimbursement will be made by wire transfer within a few weeks. The amount reimbursed depends on the contractual or statutory rate.
  • for students holding a European health insurance card issued in another Member State, the request for reimbursement for healthcare expenses may be sent either to the CNS (as described above) or to the health insurance fund in the country of origin.
    Students requesting their reimbursement from the CNS (without being previously enrolled) must attach the following to their letter:
    • proof of their identity (a copy of the ID card may be attached);
    • a bank account identification document (relevé d'identité bancaire) specifying the IBAN and BIC codes;
    • a valid copy of the European health insurance card;
    • a certificate of student enrolment or similar;
    • the original receipted statement of fees, or if the payment took place later, proof of payment in the form of an account statement. It does not matter whether the bank statement is a copy of the original or has been printed from an online banking website. On the other hand, a wire transfer order alone is will not suffice.
      The reimbursement will be made by wire transfer within a few weeks. The amount to be reimbursed depends on the contractual or statutory rate;
  • for students enrolled in a third country that has signed a bilateral social security agreement with Luxembourg, requests for reimbursement for healthcare expenses may be sent either to the CNS (as described above) or to the health insurance fund in the country of origin.
    Students requesting reimbursement from the CNS (without being previously enrolled) must attach the following to their letter:
    • proof of their identity (a copy of the ID card may be attached);
    • a bank account identification document (relevé d'identité bancaire) specifying the IBAN and BIC codes;
    • a copy of the conventional form issued by the social security services agency in the country of enrolment;
    • a certificate of student enrolment or similar;
    • the original receipted statement of fees, or if the payment took place later, proof of payment in the form of an account statement. It does not matter whether the bank statement is a copy of the original or has been printed from an online banking website. On the other hand, a wire transfer order alone is will not suffice.
      The reimbursement will be made by wire transfer in the following weeks. The amount reimbursed depends on the contractual or statutory rate.

Direct payment by the health insurance fund

In some cases, such as for the cost of hospitalization or drugs, medical laboratory tests, physical therapy and rehabilitation in specialized establishments, or blood transfusions, or for procedures performed by certain healthcare professionals in healthcare establishments or in certain healthcare and assistance networks, insured individuals will not need to make advance payment for the entire amount of the costs incurred. The system of direct payment by the competent health insurance fund, referred to as the third-party payer system, requires the production of a social security card, or in its absence, a European health insurance card.

As such, insured individuals need only pay service providers for the portion of the expenses that remains to be borne by them.

Student who are not enrolled with a European health insurance fund must produce a valid certificate of enrolment with a health insurance scheme. This document, certifying their health insurance coverage abroad, will allow them to benefit from third-party payer system if there is a bilateral social security agreement between Luxembourg and the student's country of origin.

Without a certificate of enrolment in a health insurance scheme, such students will have to pay expenses up front, and subsequently request reimbursement from the health insurance fund in their country of origin.

In the calendar year, an insured individual's contributions to the cost of healthcare benefits is capped. In the case of payment for care exceeding 2.5 % of the annualized contributory income, the insured individual is entitled to an additional reimbursement from their health insurance fund for contributions exceeding the threshold in question. To determine the amount exceeding the threshold, the contributions made by both the insured and the co-insured parties are added.

Forms / Online services

Assurance obligatoire pour étudiants

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