CNS, GP, dentist: health admin in your first month

Luxembourg's healthcare is excellent and — once you're in the system — straightforward. Getting into the system is the part nobody explains. Here it is.

Affiliate with the CNS

The Caisse Nationale de Santé is the public health insurer. Employees are affiliated through their employer; everyone else (students, accompanying family, freelancers) affiliates directly. You need your national ID number (matricule) — issued when you register at the commune — so this always follows declaration.

Pick a médecin traitant

Your GP is the gatekeeper: see them first and referrals to specialists are smoother and better reimbursed. Ask colleagues or your commune for English-, French- or German-speaking doctors near you, and register before you're sick.

Pay, then get reimbursed

Doctors usually bill you directly; you pay, send the receipt (mémoire d'honoraires) to the CNS, and get most of it back. Keep every receipt — photograph them into your Moien document wallet the same day so nothing gets lost.

The Moien shortcut

Your plan orders all of this — commune first, then CNS, then GP — with document checklists per step. Get your plan in two minutes.