Find a GP you can trust
In Luxembourg, most people have a family GP they normally visit, who follows their health development over a longer period of time. GPs can refer you to a specialist if needed. You can also add them to your hospital file, and they will get all the reports from your hospital stays.
Understand invoice codes
Medical bills in Luxembourg feature codes, which you can look up on the national health fund (CNS) website. The search tool on the site allows you to find the standard tariff of a code, and which ones are or are not reimbursed by the CNS. Some additional costs are not covered, but the insured patient will have given their consent to bear the cost ahead of receiving treatment.
Mind the traps
When a patient asks for a single room in hospital, the latter isn’t covered by the CNS, unless it was necessary for medical reasons. The patient has to be careful and make sure they can afford this so-called first-class room, as there is a surcharge of 66% for any medical act performed by a health professional during the stay. Complementary insurances sometimes cover this service.
This article first appeared in Delano’s Expat Guide 2022-2023.