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Medical and Health
If you’re injured in an accident or fall ill on holiday here, make sure to use a state healthcare provider – the European Health Insurance Card doesn’t pay for private treatment which can be expensive.
Documents needed: Passport and European Health Insurance Card (EHIC)
Doctors and Hospitals
Whatever treatment you receive using your EU medical card – the old E111Form – you have to pay a patient contribution fee, and then claim reimbursement from the Caisse de Maladie des Ouvriers (CMO), the Sickness Insurance Fund for Manual Workers.
As a rule of thumb you‘ll be charged 20% of the fee for a doctor’s visit to your hotel and12% for a consultation.
You can visit any doctor in Luxembourg – they’re all registered under the CMO. Get receipts for everything so you can claim back later.
If you need to go into hospital, remember to show your EHIC on admission. Treatment and medicines are funded by the CMO with a standard daily fee of 20 Euro for inpatient stays (not refundable) for a maximum of 30 days. The treating doctor may also charge a fee which you have to pay direct.
If you have a pre-existing medical condition requiring dialysis or oxygen treatment during your visit, you need to book these in advance.
Children under 18 are treated free of charge.
Dentists: Also covered by the CMO but for some treatments you need prior approval. Emergency dental treatment is free.
Emergency ambulance transport is free. For non-urgent cases, you’ll have to pay a non-refundable fee which could be expensive. Comprehensive travel insurance can cover these types of costs for you as well as repatriation, if you die abroad.
Take your prescription (signed by a local doctor) and EHIC to any pharmacy in Luxembourg. Some prescriptions need to be authorised by the CMO before you can get the medicine - ask the doctor for advice.
Reimbursement varies depending on the prescription (usually 100% for chronic illnesses).