CNS & Healthcare
Health insurance registration, reimbursements and choosing a doctor.
9 min read · Updated regularly
Documents you need
- Social security number
- Bank IBAN
- Employer declaration
Step-by-step process
- 1
Get affiliated
Your employer declares you to the CCSS; students and dependants apply directly.
- 2
Register your IBAN
Send your bank details to the CNS so reimbursements land in your account automatically.
- 3
Find a doctor
You can choose any general practitioner freely — there is no fixed assignment in Luxembourg.
- 4
Claim reimbursements
Send paid invoices (mémoire d'honoraires) to the CNS; typical refunds are 80-100%.
Important tips
- •Consider a complementary insurance such as CMCM for the remaining share.
- •Keep the European Health Insurance Card for travel in the EU.