Health insurance

Your questions

Health insurance

I reside in Luxembourg and I am covered by the Luxembourg social security scheme. I intend to go on holiday to the United Kingdom after 31 December 2020. Will I be entitled to health care treatment in the United Kingdom if I get sick or have an accident?

Under the Trade and Cooperation Agreement between the EU and the UK, you will be able to receive any care you need while you are in the United Kingdom. To do this, you will need to show your European Health Insurance Card to the British health care provider. This will allow you to receive the care you require under the same conditions as someone insured under the British scheme.

I am a Luxembourg student in the United Kingdom. What about my health care coverage in the United Kingdom?

If you started your studies in the United Kingdom before 1 January 2021, you will be able to continue to receive any medical care you need while you are studying. To do this, you will need to show your Luxembourg European Health Insurance Card to the British health care provider. This will enable you to receive the necessary care under the same conditions as an insured person under the British scheme.

If you start your full-time higher education studies in the United Kingdom after 31 December 2020, you will be able to receive medical care in the United Kingdom under the same conditions. However, you should be aware that you will be required to pay an immigration health surcharge if you stay in the United Kingdom for more than 6 months. You will be able to claim reimbursement of this surcharge from the competent British authorities if you are in possession of a valid Luxembourg European Health Insurance Card and are not working in the United Kingdom.

Students arriving in the United Kingdom between 1 January 2021 and 31 December 2021 will have until 31 December 2022 to apply for their reimbursement. The refund will apply retroactively to the health contribution paid for a visa covering the period prior to 31 December 2021.

Students arriving in the United Kingdom from 1 January 2022 will have a year from the start date of their visa to apply for their reimbursement.

The amounts reimbursed will be proportional to the period of validity of the Luxembourg European Health Insurance Card.

Please note that the United Kingdom reserves the right, in accordance with the provisions of the EU-UK Trade and Cooperation Agreement, to charge students for health care received that is not covered by their Luxembourg European Health Insurance Card.

Further information on this may be requested from the relevant British authorities.

I work and reside in the United Kingdom and I am covered by the British social security scheme. My spouse, who is not employed, and my children reside in Luxembourg. How are they covered for in terms of health care in Luxembourg?

Under the provisions of the Trade and Cooperation Agreement between the EU and the UK, your spouse and children are entitled to health care in Luxembourg at the expense of the United Kingdom, provided that they register with the Luxembourg National Health Fund (Caisse nationale de santé – CNS) using the certificate of insurance (S1) issued by the competent British body.

If you were in this situation on 31 December 2020, the S1 portable document issued to you by the competent British body remains valid and you do not need to complete any further steps if your situation does not change.

I am receiving an old-age pension from Luxembourg only and I reside in the United Kingdom. How am I covered in terms of health care? What will happen to my health care coverage?

In accordance with the provisions of the Trade and Cooperation Agreement between the EU and the UK, you can receive health care in the United Kingdom at the expense of Luxembourg, provided you register with the competent British body using the insurance certificate (S1) issued by the Luxembourg National Health Fund (Caisse nationale de santé – CNS).

As of 1 January 2021, and in accordance with the EU-UK Trade and Cooperation Agreement, all third-country nationals, including EU citizens, must pay an immigration health surcharge as a condition of their visa to stay in the United Kingdom for more than 6 months.

However, the EU-UK Trade and Cooperation Agreement provides for the possibility of reimbursement of this surcharge if the benefits in kind are covered by an EU country.

Holders of an EU-issued S1 document registered with the relevant institution in the United Kingdom (NHSBSA) are therefore entitled to reimbursement.

The amounts reimbursed will be proportional to the validity period of the S1 document.

Applications for reimbursement for S1 holders opened on 1 January 2021 and, unless otherwise advised by the UK authorities, should be sent to the following address:

NHSBSA

Overseas Healthcare Services

NHS Business Services Authority

Bridge House

152 Pilgrim Street

Newcastle upon Tyne

NE1 6SN

Email: nhsbsa.faregistrationsohs@nhs.net

Telephone: +44 191 218 1999

If you were in this situation on 31 December 2020, the S1 portable document issued to you by the National Health Fund (CNS) and given to the relevant institution in the United Kingdom remains valid and you have no further steps to take if your situation does not change.

I am receiving an old-age pension from Luxembourg only and I reside in the United Kingdom. Can I travel to Luxembourg to receive medical treatment if I wish to?

In accordance with the provisions of the Trade and Cooperation Agreement between the EU and the UK, you can receive health care in the United Kingdom and in Luxembourg at the expense of Luxembourg.

I work and reside in Luxembourg and I am covered by the Luxembourg social security scheme. Can I travel to the United Kingdom to receive specific health care that I require for a health condition?

Under the Trade and Cooperation Agreement between the EU and the UK, you can travel to the United Kingdom to receive care required for by your health condition if you have prior authorisation from the Luxembourg National Health Fund (Caisse nationale de santé – CNS).

I work in the United Kingdom and I am covered by the British social security scheme but I reside in Luxembourg. How am I covered in terms of health care?

In accordance with the provisions of the Trade and Cooperation Agreement between the EU and the UK, you can receive health care in Luxembourg at the expense of the United Kingdom, provided you register with the Luxembourg National Health Fund (Caisse nationale de santé – CNS) using the insurance certificate issued to you by the competent British body.

If you were in this situation on 31 December 2020, the S1 portable document issued to you by the competent British body remains valid and you have no further steps to take if your situation does not change.

I work in Luxembourg and I am covered by the Luxembourg social security scheme but I reside in the United Kingdom. How am I covered for health care?

In accordance with the provisions of the Trade and Cooperation Agreement between the EU and the UK, you can receive health care in the United Kingdom at the expense of Luxembourg, provided you register with the competent British body using the insurance certificate (S1) issued by the Luxembourg National Health Fund (Caisse nationale de santé – CNS).