Luxembourg
Newcomer's guide
How Healthcare Works in Luxembourg, and How to Register With the CNS
Almost everyone living or working in Luxembourg has compulsory health insurance through the Caisse nationale de santé (CNS), funded by social contributions. You are usually affiliated automatically via your employer and the CCSS, and get a card with your 13-digit matricule. You freely choose any doctor. Traditionally you pay first and the CNS reimburses most of the cost; a direct-payment reform is changing that. This guide covers affiliation, the card and cover.