Health Insurance Funds for the Public Sector and Similar Sectors

The Health Insurance Fund for Communal Civil Servants and Employees (Caisse de maladie des fonctionnaires et employés communaux – CMFEC), the Health Insurance Fund for Civil Servants and Public Employees (Caisse de maladie des fonctionnaires et employés publics – CMFEP) and the Health Insurance Fund for Luxembourg Railway Workers (Entraide médicale des CFL) are the bodies in charge of health insurance for public-sector employees and similar (except for manual workers employed by the State, who are covered by the National Health Fund (Caisse nationale de Santé – CNS).

They are responsible for the:

  • reimbursement of health care services paid for in advance by the insured person (benefits in kind);
  • payment of sickness or maternity benefits (cash benefits);
  • organisation of medical checks of the insured persons;
  • payment of funeral benefits to the surviving family members of the deceased insured person.

  • CFL Health Insurance Fund

    Address:
    2B, rue de la Paix L-2312 Luxembourg Luxembourg
    Phone:
    (+352) 49 90 - 3416
    Fax:
    (+352) 49 90 - 4501
    Email address:
    emcfl@secu.lu

  • Health Insurance Fund for Communal Civil Servants and Employees

    Address:
    20, av. Emile Reuter L-2420 Luxembourg Luxembourg
    B.P. 328 L-2013
    Phone:
    (+352) 45 05 15
    Fax:
    (+352) 45 02 01-222
    Website:
    http://www.secu.lu/

  • Health Insurance Fund for Civil Servants and Public Employees

    Address:
    32, av. Marie-Thérèse L-2132 Luxembourg Luxembourg
    Phone:
    (+352) 45 16 81
    Fax:
    (+352) 45 67 50
    Email address:
    cmfep@secu.lu
    Website:
    http://www.secu.lu

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