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.

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