Health insurance

What the CNS doesn't fully reimburse

The Luxembourg system is solid, but some costs are still yours to pay, and they can be considerable:

• First-class hospital stays: the private room and the extra medical fees that come with it.
• Dental care: dentures, implants and orthodontics are only partly reimbursed.
• Optical care: glasses and lenses are only partly covered.
• Complementary medicine and some non-contracted treatments.

The DKV solutions

• Hospital staysPrivate room, free choice of doctor and cover for extra fees, in Luxembourg and abroad depending on the plan.
• Outpatient careExtra reimbursement for consultations, medicines and tests.
• Dental and opticalHelp with the costliest items for a family.
• Loss of incomeA benefit if a long illness reduces your income, particularly useful for the self-employed.

For individuals or businesses

DKV offers individual and family plans, as well as group contracts for businesses, which let you offer employees supplementary health cover. If you run an SME, it's a benefit people value and it helps you recruit and retain staff.

Our advice

There's no need to insure everything. We look with you at your real health spending: glasses, dentist, planned hospital stays, children. Then we choose the modules that are genuinely worthwhile for you. Supplementary cover is best taken out while you're in good health: medical questions and waiting periods may apply.

Frequently asked questions

Can I take out a plan if I already have a health problem?

A medical questionnaire is generally required. Depending on your answers, some conditions may be excluded or subject to special terms. Let's talk before you fill in anything.

Can cross-border workers take out a plan?

If you're affiliated to the CNS, yes, under the conditions set by DKV Luxembourg. We check your situation at the first appointment.

Is there a waiting period before I'm reimbursed?

Some covers, such as dental care or planned hospital stays, may have a waiting period after you take out the plan. We tell you which ones apply for each plan.