The National Health Fund (Gesondheetskeess in Luxembourgish, and Caisse Nationale de Santé – CNS – in French) is the central point of contact for all insured persons in the private sector (employed, self-employed, those in receipt of a private-sector pension or replacement income) and public-sector workers, for health insurance and long-term care insurance matters.
The role of the CNS includes, among other things, the payment of:
- benefits in kind (reimbursement of healthcare costs paid in advance by the insured person);
- cash benefits (maternity allowance, sickness benefit after the continuation of salary payments (Lohnfortzahlung), funeral benefits, etc.);
- long-term care insurance benefits.
The CNS has 16 offices nationwide where the insured party can be received in person: Bettembourg, Clervaux, Diekirch, Differdange, Dudelange, Echternach, Esch-sur-Alzette, Ettelbruck, Grevenmacher, Luxembourg-Hollerich, Luxembourg-Centre, Mersch, Redange, Remich, Rumelange, Wiltz. At the CNS offices, insured individuals can have healthcare costs paid for in advance refunded (by cheque), receive information and advice on health insurance, and obtain various documents (e.g., co-insurance certificates, holiday forms).
- offices (except Hollerich): 08:30-11:30 and 13:00-16:00;
- Hollerich office:
- counters 1-8: 08:00-16:00;
- counters 15 and 16 – CNS appointments and medical check-ups: 08:00-11:30 and 13:15-16:00.
The CNS deals with the following matters in particular:
- the cash benefits office handles declarations of incapacity for work from private-sector employees and self-employed workers. Medical certificates pertaining to incapacity for work must be sent to the CNS in order to receive benefits. A medical certificate is not necessary for sick leave which lasts only 1 or 2 working days;
- the benefits in kind department is responsible for reimbursing medical expenses paid for in advance by insured persons. To be reimbursed, bills or statements of fees – receipted or accompanied by proof of payment – need simply be sent to the CNS by post (no postage required). However, local agencies may reimburse payments in kind directly (for example, in the case of doctor's fees) on condition that the bills were receipted no more than 15 days prior to the date of their presentation and total at least EUR 100. The reimbursement is made by cheque which can be cashed free of charge at any Luxembourg Post Office branch.