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The top 10 insurance companies in Luxembourg for expats are AXA, Allianz Care, April International, Bupa, Cigna, HealthCare International Group, VUMI, IMG, MSH International, and NOW Health International.
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Luxembourg has an excellent public healthcare system called CNS (Caisse Nationale de Santé). But many expats choose to complement it with private health insurance to enjoy shorter wait times, more comfort, and expanded coverage, such as private hospitals or dental and vision care.
Are you moving to Luxembourg and wondering how best to care for your health as an expat living abroad? Are you curious about which benefits are most important for maintaining your health and budget?
In this guide, we’ve put together the top health insurance providers in Luxembourg for expats. We compare leading insurers on cost, flexibility, and expat-friendly benefits, so you can find a plan that gives you peace of mind while you settle into your new home in Luxembourg.
Top 10 International Health Insurance Providers for Expats in Luxembourg
Here are the top 10 international health insurance providers for expats in Luxembourg:
- AXA
- Allianz Care
- April International
- Bupa
- Cigna
- HealthCare International Group
- VUMI
- IMG
- MSH International
- NOW Health International
If you’re looking for the best health insurance in Luxembourg as an expat, these companies offer a wide range of plans designed to meet different needs, lifestyles, and budgets. Let’s take a closer look at what each insurer provides and the types of plans available.
AXA: Health Insurance Plans for Expats in Luxembourg
AXA is a leading global health insurance provider offering flexible plans tailored to expats in Luxembourg. Coverage includes hospital care, outpatient services, medical transport, dental, vision, maternity, and more. Plans are customizable, with options to add dependents and choose flexible payment schedules.
Overview of AXA expat health insurance plans in Luxembourg:
- Foundation Plan: Affordable coverage with inpatient hospital care, emergency treatment, medical transport, and lab tests included.
- Standard Plan: Popular choice with higher annual limits and added dental benefits.
- Comprehensive Plan: Extended coverage including outpatient care, chronic conditions, and vision benefits.
- Prestige Plan: Premium protection with maternity care, annual check-ups, and enhanced outpatient benefits.
- Prestige Plus Plan: Top-tier coverage with annual benefits up to USD $8,000,000, ideal for expats seeking maximum protection.
Below are more details on AXA’s Global Health Insurance plans for expats in Luxembourg. Coverage amounts vary based on the plan you choose.
| AXA Global Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Foundation | $160,000 |
| Standard | $1,600,000 |
| Comprehensive | $2,400,000 |
| Prestige | $3,200,000 |
| Prestige Plus | $8,000,000 |
Allianz Care: Health Insurance Plans for Expats in Luxembourg
Allianz Care is a top international health insurance provider, trusted by expats and their families in Luxembourg. With access to over 1.9 million medical providers worldwide, Allianz Care offers flexible plans that cover both local and global healthcare needs.
Overview of Allianz Care expat health insurance plans in Luxembourg:
- Care Plan: Entry-level option with essential benefits, including semi-private hospital rooms, oncology treatment, medical evacuation, home nursing, rehabilitation, and emergency outpatient care.
- Care Plus Plan: Adds comfort and convenience with private hospital rooms and emergency dental treatment.
- Care Pro Plan: Comprehensive coverage with higher benefit limits, preventive surgery, and laser eye treatment, ideal for expats seeking broader protection.
Below are more details on coverage amounts for Allianz Care’s health insurance plans for expats in Luxembourg.
| Allianz Care Expat Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Care | $2,500,000 |
| Care Plus | $4,000,000 |
| Care Pro | $5,000,000 |
April International: Health Insurance Plans for Expats in Luxembourg
April International offers flexible MyHealth International plans designed for expats and their families in Luxembourg. With five tiers of coverage, plans range from essential emergency care to fully comprehensive protection, making them suitable for different budgets and needs.
Overview of April International expat health insurance plans in Luxembourg:
- Emergency Plan: Entry-level coverage with USD $250,000 annual benefits. Includes hospitalization for emergencies, cancer care in emergencies, and medical repatriation.
- Formule Basic: USD $500,000 in annual coverage with hospitalization, comprehensive cancer treatment, limited outpatient care, basic dental (USD $500/year), and vision (USD $150 every two years).
- Essential Plan: USD $1,000,000 in annual benefits with full hospitalization, enhanced outpatient care, maternity (up to USD $3,000), enhanced dental (USD $1,000/year), vision (USD $250 every two years), and partial private room coverage.
- Comfort Plan: Extensive benefits including full hospitalization, advanced cancer care, maternity (up to USD $6,000), higher outpatient and preventive care, dental (USD $2,000/year), vision (USD $500 every two years), and full private room coverage.
- Premium Plan: Top-tier coverage with advanced hospitalization, maternity (up to USD $12,000), premium cancer care, and the most generous dental (USD $4,000/year) and vision (USD $700 every two years) benefits, plus full private room coverage.
Below is a detailed overview of April International’s MyHealth plans for expats in Luxembourg, with benefits and coverage levels varying by tier.
| April MyHealth International Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Emergency | $250,000 |
| Basic | $500,000 |
| Essential | $1,000,000 |
| Comfort | $1,500,000 for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: Unlimited |
| Premium | $3,000,000 for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: Unlimited |
Bupa Global: Health Insurance Plans for Expats in Luxembourg
Bupa Global is one of the world’s leading providers of international health insurance, offering premium expat plans with access to a global network of specialists. Coverage includes pre-existing conditions, cancer treatment, mental health support, and preventive care.
Overview of Bupa Global expat health insurance plans in Luxembourg:
- Bupa Major Medical: Entry-level plan covering major inpatient care, medical evacuation, and repatriation. Focused on emergencies and high-cost treatments, it excludes routine checkups and wellness care.
- Bupa Select: Regional coverage, including routine screenings, health checks, and medical evacuation services. A solid option for expats who want both emergency and basic everyday healthcare.
- Bupa Premier: Adds dental care, optical benefits, and vaccinations to the Select plan. A mid-tier choice for expats seeking broader coverage for day-to-day healthcare needs.
- Bupa Elite: Bupa’s most comprehensive plan, covering maternity care, complementary therapies, evacuation, repatriation, and extensive wellness services. Ideal for expats and families who want maximum protection.
Below is a detailed overview of Bupa Global’s expat health insurance plans in Luxembourg, with coverage and benefits depending on the plan selected.
| Bupa Global Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Major Medical | About $3,174,200 |
| Select | About $1,587,100 |
| Premier | About $2,380,600 |
| Elite | About $4,761,300 |
Cigna Global: Health Insurance Plans for Expats in Luxembourg
Cigna Global is one of the world’s top international health insurance providers. With 24/7 multilingual support, access to over 1.5 million hospitals and clinics, and coverage in more than 200 countries, Cigna offers flexible and reliable protection for expats and their families in Luxembourg.
Overview of Cigna Global expat health insurance plans in Luxembourg:
- Silver Plan: Essential benefits, including inpatient and day patient care, palliative care, transplant services, mental health support, and emergency hospitalization outside your coverage area.
- Gold Plan: Adds coverage for emergency treatments, advanced imaging, rehabilitation, home nursing, obesity treatment, and congenital conditions.
- Platinum Plan: The most comprehensive option, with extensive inpatient care, transplant services, palliative care, parent/guardian hospital accommodation, and complementary therapies like acupuncture.
Below is a detailed overview of Cigna’s expat health insurance plans in Luxembourg, with annual benefit levels depending on the plan selected.
| Cigna Global Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Silver | $1,000,000 |
| Gold | $2,000,000 |
| Platinum | Unlimited |
HealthCare International Group: Health Insurance Plans for Expats in Luxembourg
HealthCare International Group (HCI) offers flexible and reliable international health insurance options for expats in Luxembourg. Their flagship product, NIMBL Health, is designed for expats who want highly customizable coverage with a choice of benefit caps and add-ons.
Overview of HealthCare International Group expat health insurance plans in Luxembourg:
- Benefit Caps: Choose from annual coverage limits of USD $250,000, $1,000,000, $2,000,000, or $3,000,000 to match your needs and budget. Flexible deductibles are available to help reduce premiums.
- Core Benefits: All NIMBL Health plans include inpatient treatment, cancer coverage, and emergency dental care.
- Optional Add-Ons: Expats can add outpatient care, extended dental, emergency assistance and evacuation, and maternity coverage (for group plans only).
Below are the annual benefit limits for HealthCare International’s NIMBL Health Plans in Luxembourg.
| HealthCare International NIMBL Health Plans | |
| Plan | Annual Benefit Limit (USD) |
| Core 1 | $250,000 |
| Core 2 | $1,000,000 |
| Core 3 | $2,000,000 |
| Core 4 | $3,000,000 |
VUMI: Health Insurance Plans for Expats in Luxembourg
VUMI is a premium international health insurance provider offering tailored coverage for expats in Luxembourg. Known for its worldwide medical network, in-house claims support, and exceptional customer service, VUMI is a trusted choice for expats seeking peace of mind abroad.
Overview of VUMI expat health insurance plans in Luxembourg:
- Global Flex VIP Basic: Entry-level plan with essential healthcare coverage for expats seeking affordable protection.
- Global Flex VIP Standard: Mid-tier option offering broader coverage at a competitive price.
- Global Flex VIP Superior: Strong coverage including maternity and optical benefits (dental not included).
- Global Flex VIP Ultra: Expanded benefits with dental coverage and higher limits across key services.
- Global Flex VIP Total: The most comprehensive plan, covering inpatient and outpatient care, maternity, dental, optical, mental health, palliative care, and rehabilitation.
Below are the annual benefit limits for VUMI’s Global Flex VIP plans in Luxembourg.
| VUMI Global Flex Plans | |
| Plan | Annual Benefit Limit (USD) |
| VIP Basic | $3,000,000 |
| VIP Standard | $3,500,000 |
| VIP Superior | $4,000,000 |
| VIP Ultra | $4,500,000 |
| VIP Total | $5,000,000 |
IMG Global: Health Insurance Plans for Expats in Luxembourg
IMG Global is a trusted international health insurance provider offering flexible, comprehensive coverage for expats and their families in Luxembourg. With four tiers of plans, expats can select annual benefit limits ranging from USD $1,000,000 to $8,000,000 per person.
All IMG Global plans include emergency medical evacuation, prescription drug coverage, and worldwide healthcare access for peace of mind at home and abroad.
Overview of IMG Global expat health insurance plans in Luxembourg:
- Bronze Plan: Entry-level coverage, including inpatient surgeries, outpatient care, physical therapy, prescription drugs, emergency ambulance, and medical evacuation.
- Silver Plan: Builds on the Bronze plan with higher benefit limits across most services, ideal for expats wanting broader coverage at a moderate cost.
- Gold Plan: Comprehensive coverage with full inpatient and outpatient benefits, higher service limits, and lifetime emergency evacuation coverage.
- Platinum Plan: The most extensive option, including maternity and newborn care, congenital conditions, and newborn wellness services not available in lower tiers.
Below are details of IMG Global’s expat health insurance plans in Luxembourg, with annual benefit limits depending on the plan selected.
| IMG Global Expat Health Insurance Plans | |
| Plan | Annual Benefit Limit (USD) |
| Bronze | $1,000,000 |
| Silver | $5,000,000 |
| Gold | $5,000,000 |
| Platinum | $8,000,000 |
MSH International: Health Insurance Plans for Expats in Luxembourg
MSH International is a leading global health insurer providing flexible, comprehensive coverage for expats in Luxembourg. Founded in 1974, MSH now covers more than 3.5 million people worldwide through its five regional headquarters and 21 local service offices.
Expats benefit from their extensive international healthcare network, customizable plans, and additional options for life and disability protection.
Overview of MSH International’s First’Expat+ plans in Luxembourg:
MSH International’s First’Expat+ plans are designed to cover both routine and emergency care while living abroad. Plans can be customized across four tiers (Quartz, Pearl, Sapphire, and Diamond) to fit different coverage needs and budgets.
- Hospi Plan: A basic plan that covers hospitalization and emergency medical evacuation. Annual benefit limits range from USD $625,000 (Quartz) to $3,750,000 (Diamond).
- Health Plan: Adds routine healthcare services, third-party liability, and legal assistance, in addition to hospital care.
- Health+ Plan: Expands the Health Plan with vision and dental coverage.
- Health+ Child Plan: The most comprehensive option, including maternity care, ideal for expat families.
All MSH International Hospi plans include hospitalization and medical evacuation, with coverage available in four tiers. Quartz offers the most basic protection, while Diamond provides the highest annual benefit limits.
The table below outlines the annual benefit levels for each tier.
| MSH International HOSPI Plans (Outside of USA) | |
| Plan | Annual Benefit Limit (USD) |
| Quartz | $625,000 |
| Pearl | $1,250,000 |
| Sapphire | $2,000,000 |
| Diamond | $3,750,000 |
NOW Health International: Health Insurance Plans for Expats in Luxembourg
NOW Health International offers flexible, comprehensive health insurance solutions for expats, families, and students in Luxembourg. With worldwide coverage options, including the USA, NOW Health’s plans are designed for global citizens who want reliable protection abroad.
Its flagship WorldCare plan features four tiers with varying benefit limits and optional add-ons. Expats can also lower premiums by selecting a copay option.
Overview of NOW Health International’s WorldCare plans in Luxembourg:
- WorldCare Essential: USD $3 million annual limit with core inpatient and outpatient coverage. Optional dental and physiotherapy add-ons available. No maternity coverage under this tier.
- WorldCare Advance: USD $3.5 million annual limit with enhanced outpatient benefits and optional dental. Routine maternity is available only for groups of 10+ members.
- WorldCare Excel: USD $4 million annual limit with routine and complex dental coverage, plus expanded rehabilitation benefits. Maternity is excluded except for group plans.
- WorldCare Apex: USD $4.5 million annual limit with built-in routine dental and maternity care, alongside extensive inpatient and outpatient benefits. Copay options help reduce premiums.
Below is a table outlining the annual benefit limits for each tier of NOW Health International’s WorldCare plans in Luxembourg.
| Now Health WorldCare Plans | |
| Plan | Annual Benefit Limit (USD) |
| Essential | $3,000,000 |
| Advance | $3,500,000 |
| Excel | $4,000,000 |
| Apex | $4,500,000 |
Introduction to Health Insurance for Expats in Luxembourg
Luxembourg’s healthcare system is highly regarded, consistently ranking among the best in the world and throughout Europe. It is known for being universal, high quality, and easy to navigate.
Before diving into Luxembourg’s healthcare system, it helps to get familiar with two essential acronyms you’ll encounter often:
- CCSS (Centre Commun de la Sécurité Sociale): The Joint Social Security Centre, responsible for registering employees, collecting contributions, and managing social security records.
- CNS (Caisse Nationale de Santé): The National Health Fund, which oversees health insurance, reimbursements, and access to medical services.
If you’re employed in Luxembourg, your employer will be responsible for registering you with the CCSS. Once this is done, you’ll receive a confirmation letter showing that you’re officially part of the social security system.
If you’re self-employed, you’ll need to take the step of registering directly with the CCSS to access CNS benefits.
After registration, you’ll be issued a social security card. This card not only provides proof of coverage but also ensures protection for a wide range of situations: medical care, maternity and paternity leave, work-related accidents or illnesses, old age, disability, and even long-term care.
Your card carries a 13-digit national identification number, which you’ll need to show to healthcare providers and use whenever you claim reimbursements.
Why Expats Need Private Health Insurance in Luxembourg
While Luxembourg’s public healthcare system is excellent, many expats choose to supplement it with private health insurance to gain more comprehensive coverage and greater peace of mind.
Private insurance can bridge certain gaps that the public system doesn’t cover and offers extended coverage for things like hospitalization, eye care, dental treatment, and medical services outside Luxembourg.
Here are some key reasons why private health insurance is a valuable investment for expats:
- Expanded Coverage: Private plans often provide more extensive coverage for services that are not fully reimbursed by the public system, such as dental care, vision care, and alternative therapies.
- Faster Access to Care: You can often get faster appointments and shorter waiting times for specialists and specific medical procedures.
- Access to Private Facilities: Private insurance gives you the flexibility to access private clinics and hospitals, which may offer more comfortable accommodations and a wider choice of doctors.
- Global Mobility: Many private plans provide international coverage, which is essential for expats who travel frequently or may need to access medical care outside of Luxembourg.
- Reduced Out-of-Pocket Costs: While the public system reimburses a large portion of costs, private insurance can cover the remaining co-payments, significantly reducing your out-of-pocket expenses.
How to Compare Health Insurance Quotes in Luxembourg
Choosing the right expat health insurance in Luxembourg starts with comparing quotes. With so many providers and plan levels available, it can feel overwhelming, but taking the time to compare ensures you secure the right balance of coverage and cost.
When reviewing health insurance quotes in Luxembourg, focus on these key factors:
- Coverage: Check if the plan includes essential benefits such as hospital care, outpatient treatment, and coverage for pre-existing conditions.
- Deductibles: A lower deductible often means higher premiums. Find the right balance between what you can pay upfront and your monthly budget.
- Premiums: Compare both monthly and annual costs to make sure you’re getting true value for money.
- Extra Benefits: Some plans include dental, vision, maternity, or even mental health support. These extra benefits can make a big difference.
By weighing these factors carefully, you’ll be able to choose a Luxembourg health insurance plan that gives you both peace of mind and affordability. For extra guidance, speaking with a licensed insurance broker can help you navigate your options and simplify the decision process.
Ready to get started? Use our free health insurance comparison tool for Luxembourg to compare quotes from top international insurers and find the best plan for you and your family.
Why Use a Broker for Health Insurance in Luxembourg
For expats in Luxembourg, navigating the health insurance market can be confusing. With so many providers, plan types, and coverage options, choosing the right policy on your own can feel overwhelming.
This is where a health insurance broker like Pacific Prime can make the process simple and stress-free. A broker offers expert advice tailored to your needs, explains how the Luxembourg healthcare system works, and helps you compare plans side by side.
Key benefits of working with a health insurance broker in Luxembourg:
- Expertise in Luxembourg’s health insurance regulations and options.
- Access to multiple insurance providers, ensuring a wide range of choices.
- The ability to tailor insurance plans to individual needs and circumstances.
- Assistance with the application and claims process.
At Pacific Prime, we go beyond traditional brokerage by offering free value-added services such as claims support, policy management, and ongoing advice, all at no extra cost.
Most importantly, we save you time and effort by helping you compare the top insurance companies for expats in Luxembourg and find the plan that best fits your needs.
If you are ready to take a step in protecting your health in Luxembourg, get in touch with our experts today and let us help you find the right international health insurance plan for you and your family.
Frequently Asked Questions
How do I compare health insurance quotes for Luxembourg?
When comparing health insurance quotes, you have to look at coverage, deductibles, and copayments. Also, check the insurer’s reputation and how well they treat customers by looking at reviews and consulting with a reputable broker agent.
Do I need to purchase additional coverage for pre-existing conditions?
Some international health insurance providers in Luxembourg cover pre-existing conditions after a waiting period or with certain limits. Others may exclude them or require higher premiums. Always check the policy details carefully before enrolling.
Can I purchase health insurance in Luxembourg as a non-EU citizen?
Non-EU citizens can buy private health insurance in Luxembourg. Many international insurers offer plans for expats, and some are designed specifically for non-EU nationals relocating for work, study, or family reasons.
What additional benefits are typically included in international health insurance plans?
Expat health insurance plans often include extra benefits like maternity care, emergency evacuations, dental and vision services, and preventive healthcare such as vaccinations and annual check-ups. This depends on the insurer and your policy, so it’s best to consult a broker beforehand.
With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs. Tawan firmly believes that words have power that can shape the world for the better.
In his free time, Tawan loves to pick up his Nintendo Switch and wield his Master Sword in Hyrule’s dungeons. He is also an avid sci-fi books/shows enjoyer. You can spot him hanging around bookstores and game shops all day long!
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