Health, car and home in Luxembourg
Getting treated and reimbursed, driving legally, properly insuring your home and your family. Pick your situation, we'll take you to the right page.
In Luxembourg, your healthcare starts with the CNS: it reimburses a large part of your costs, as long as you send it your bills on time, and a supplementary health insurance covers part of the rest. When you're ill, you report your sick leave within a few days; in the evening or at the weekend, the on-call doctor takes over. For your car, it all starts with registration, followed by compulsory car insurance, the roadworthiness test and the vehicle tax. At home, home insurance and personal liability insurance cover you when damage happens.
Rules in force in 2026, checked against official sources.
Key figures to remember
- 88 %
- of the fee for a consultation reimbursed by the CNS for an adult100 % for under-18s
- 2 years
- after paying a bill to claim reimbursement from the CNSCNS
- 77 days
- of sick leave over 18 months paid by your employer, then the CNS takes overup to 78 weeks over 104
- 4 years
- after it was first registered, your car has its first roadworthiness testSNCA
Which situation sounds most like you?
You want to get reimbursed
What the CNS pays, what's left for you, and how to send your bills.
Get reimbursed
You're ill and can't work
Medical certificate, deadlines, who pays you during your sick leave.
Report my sick leave
You need a doctor tonight
On-call medical centre, A&E, 112: who to call.
Find who to call
You've just bought or imported a car
Registration, paperwork, timeline and cost.
Register my car
You've had an accident
What to do on the spot, the accident report, your insurer.
Know what to do
You want the right insurance
Car, home, personal liability: what's compulsory and what matters.
Compare the coverAll our pages, by need
8 guides and 9 practical fact sheets, every rule checked against official sources.
Your health
Getting treated, getting reimbursed, and what happens when you can no longer work.
- How to get your healthcare costs reimbursed in Luxembourg
- Sending your bills to the CNS: address, online submission and documents to attachPractical guide
- GP, out-of-hours medical centre, emergencies: who to call in LuxembourgPractical guide
- Sick leave in Luxembourg: certificate, deadlines, who pays you and protectionPractical guide
- Inability to work in Luxembourg: what happens if you can't work anymore?
- Health insurance top-up in Luxembourg: the guide to choosing well
Your car
From registration to resale, driving legally in Luxembourg.
- Registering your car in Luxembourg: deadline, documents and costPractical guide
- Foreign driving licence in Luxembourg: exchange or transcribePractical guide
- Vehicle inspection in Luxembourg: when, how much, how to bookPractical guide
- Car tax sticker in Luxembourg: how much does the car tax cost?Practical guide
- Winter tyres in Luxembourg: obligation, dates and finePractical guide
- Car insurance in Luxembourg: what is compulsory, the bonus-malus and how to switch
- Car accident in Luxembourg: the complete guide to react
- Selling or buying a used car in Luxembourg: the stepsPractical guide
Your home and your family
The insurance that covers you when damage happens, at your place or someone else's.
How we inform you, and our limits
Every rule and every amount on these pages is checked against official Luxembourg sources: the CNS (ouvre dans un nouvel onglet), Guichet.lu (ouvre dans un nouvel onglet), the SNCA (ouvre dans un nouvel onglet) and the Commissariat aux assurances (ouvre dans un nouvel onglet). When a rule depends on the year, we tell you which one.
An honest limit: what we give you here are pointers, not personalised advice on your insurance policy. What your policy really covers is something your insurer or an adviser can tell you.
Well insured
Find the insurance you need
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