Voluntary health insurance

This page was last modified on 11-05-2018

Any person carrying out a paid professional activity in Luxembourg has to be affiliated to the Luxembourg social security.
Persons residing in Luxembourg who do not benefit from health insurance can request a voluntary insurance via the optional or continued health insurance scheme.

The voluntary health insurance enables its members to receive benefits in kind paid by the National Health Fund (Caisse nationale de santé - CNS), i.e. to obtain the reimbursement of medicine costs, medical fees, etc.

Forms / Online services

Carry out your procedure:

Who is concerned

A resident person in the Grand Duchy of Luxembourg who is not affiliated to the Joint Social Security Center (Centre commun de la sécurité sociale - CCSS) can register for voluntary sickness and maternity insurance:

  • on a personal capacity (e.g.: employee, trainee, self-employed, etc.) or;
  • as a co-insured person (e.g.: the employee's children, a spouse without professional occupation, etc.).

Prerequisites

Voluntary continued health insurance

A person previously affiliated to the CCSS but whose affiliation has ceased is provided with the possibility to request affilitation to the voluntary continued health insurance.

Example: following a separation from the partner, a person without professional occupation who had the status of co-insured person may request affiliation to the voluntary co-insured health insurance.

In order to benefit from voluntary continued health insurance, applicants must:

  • be resident in Luxembourg;
  • be at least 18 years old;
  • have been registered with the CCSS (as a main insured person or co-insured person) for an uninterrupted period of 6 months prior to the cessation of affiliation.
    The period of 6 months is deemed to be uninterrupted even if there has been a cessation of affiliation for a period of less than 8 days;
  • submit their application to the CCSS within 3 months following the cessation of affiliation.

Voluntary optional health insurance

If a person has no health insurance (whether as a main insured or co-insured person, or if said person is not entitled to the voluntary continued health insurance), said person can request affiliation to the voluntary optional health insurance.

Example: a person without professional occupation with no other form of income can benefit from voluntary optional health insurance.

In order to benefit from voluntary optional health insurance, applicants must:

  • be resident in Luxembourg;
  • not have benefitted from any other health insurance scheme.

How to proceed

Voluntary continued health insurance

Application for affiliation

Applicants must use the application form for voluntary health insurance to submit their application for affiliation.

The application should be sent by mail, email or fax to the CCSS within 3 months from the month where the cessation of affiliation took place.
The starting date for the 3 months deadline is the effective date of cessation of affiliation (stated in the document sent by the CCSS) and not the date of notification of the acknowledgment of receipt for the declaration of end of employment sent to the CCSS (sent by the employer where applicable).

Applicants keep their national identification number (matricule - 13-digit social security number) and social security card which they had as a main insured or co-insured person.

The person affiliated to the the voluntary continued health insurance is immediately entitled to health insurance benefits, i.e. his medical expenses related to health care costs and medication will be directly reimbursed.

Contributions

Contributions amount to EUR 107.58 per month since 1 January 2014.

Contributions must be paid:

  • via monthly bank transfer at the beginning of each month, or;
  • via direct debit payment where authorised by the applicant.
    To do so, the applicant must check the bank mandate box (procuration bancaire) and attach a bank account identification document.

Contributions are due as from the third month following the cessation of mandatory affiliation.

Cessation of affiliation

When the voluntary insured person does no longer wish to benefit from the voluntary continued health insurance, he must cancel his registration by sending a discharge notice for voluntary health insurance (déclaration de sortie de l'assurance maladie volontaire) to the CCSS.

The form can be sent by mail, email or fax.

Moreover, the voluntary insurance shall cease ipso jure in the event of failure to pay on 2 successive payment due dates.

The voluntary insurance shall also cease ipso jure in the event of registration with the compulsory health insurance, e.g. if the insured person returns to work.

In the case of deregistration from compulsory health insurance, the worker must have been registered for a continuous period of 6 months immediately prior to the deregistration in order to benefit from the possibility to request voluntary continued health insurance.

Voluntary optional health insurance

Application for affiliation

Applicants must submit their application for voluntary health insurance by mail, email or fax to the CCSS.

Applicants who have already had a national identification number (13-digit social security number) in Luxembourg keep this number and state it in the application form.

Persons who have never had a national identification number (13-digit social security number) in Luxembourg must indicate their birth date (in the format year/month/day) and attach a copy of their identity card.

When the affiliation on a voluntary basis has been confirmed, the insured person will receive a social security card which attests to the due affiliation of the applicant. It replaces, where applicable, the social security card already held by the applicant, if any.

Reimbursement of expenses related to health care and medication

Voluntary insured persons must be affiliated to social security for 3 months minimum before they are entitled to benefits in kind (i.e. the reimbursement of expenses related to health care, medicine, etc).

Contributions

Contributions amount to EUR 107.58 per month since 1 January 2014.

Contributions must be paid:

  • via monthly bank transfer at the beginning of each month, or;
  • via direct debit payment where authorised by the applicant.
    To do so, the applicant must check the bank mandate box (procuration bancaire) and attach a bank account identification document.

Contributions are due as from the day the application for affiliation is submitted to the CCSS.

Cessation of affiliation

When the voluntary insured person does no longer wish to benefit from the voluntary optional health insurance, he must cancel his registration by sending a discharge notice for voluntary health insurance (déclaration de sortie de l'assurance maladie volontaire) to the CCSS.

The form can be sent by mail, email or fax.

Voluntary insurance shall end ipso jure in the case of non-payment of contributions on two successive due dates and in case of registration with the compulsory health insurance (e.g. if the insured person returns to work).

Who to contact

125, route d'Esch
L-2975 - Luxembourg
Luxembourg
Phone: (+352) 40141-1
Fax: (+352) 40 44 81

Opening hours
08.00 - 16.00
125, route d'Esch
L-1471 - Luxembourg
Luxembourg
Phone: (+352) 27 57-1
Email cns@secu.lu