Insurance. Understanding how healthcare reimbursements work in Luxembourg is crucial for every resident, especially for expats who are new to the system. The Caisse Nationale de Santé (CNS) is responsible for processing reimbursement claims for medical expenses, including doctor consultations.

While the healthcare system in Luxembourg is highly regarded for its efficiency and accessibility, the reimbursement process may seem complex at first. Fortunately, once you know the steps, it becomes straightforward and manageable.

This guide explains how to claim reimbursements from CNS after visiting a doctor, what documents you need, how long the process takes, and tips to make sure your claim goes smoothly. Whether you're a full-time employee, a student, or self-employed, this article will help you navigate the system with ease. Before you can claim medical reimbursements, you need to be registered with CNS. If you're not yet affiliated, read our Complete Guide to Registering with CNS in Luxembourg to get started.

How to Claim Doctor Reimbursements from CNS in Luxembourg

A CNS officer in Luxembourg explains the reimbursement process for medical expenses to a group of international residents.

When Are You Eligible for a Reimbursement?

To claim doctor reimbursements from CNS, you must be registered with Luxembourg's public health insurance system (CNS) and hold a valid CNS insurance card. The reimbursement is usually available for:

- General practitioner (GP) consultations

- Specialist visits (with or without referral)

- Medical procedures performed in clinics or hospitals

Most fees are reimbursed up to 80%–90%, depending on the type of consultation and service.

Documents You Need

Before submitting your claim to CNS, gather the following documents:

1. Original medical invoice ("facture") issued by your doctor

2. Proof of payment, such as a receipt or bank transaction

3. Your CNS insurance number (usually printed on your CNS card)

4. Optional: Referral note from your GP (for specialist consultations)

Make sure the invoice includes: the doctor’s full name and CNS number, the date of consultation, and type of service provided.

How to Submit Your Claim

There are two main ways to submit your reimbursement claim:

1. By Mail:
   Send all required documents to:
   CNS - Service Remboursements,
   L-2980 Luxembourg

2. Drop-off in Person:
   Submit your documents at a CNS office or in designated drop boxes across major cities.

You can also check your status via the MyGuichet.lu platform if you are signed up for a digital identity (LuxTrust).

How Long Does It Take?

Typically, reimbursement processing takes about 2 to 4 weeks. You will receive the reimbursed amount directly into your bank account registered with CNS. Delays can occur if any document is missing or unclear.

Tips to Ensure a Smooth Reimbursement Process

- Always request a detailed invoice from your doctor after each visit.

- Photocopy or scan your documents before submitting.

- Use registered mail if you are posting your documents.

- Make sure your bank account (RIB) is up-to-date with CNS.

Common Issues and How to Solve Them

- Missing reimbursement? Call CNS hotline or visit their office to inquire.

- Rejected claims? Double-check if documents were complete and readable.

- Lost invoice? Ask your doctor to reissue a copy.

Navigating healthcare reimbursements with CNS doesn't have to be difficult. With the right documents and clear understanding of the process, you can ensure timely and accurate reimbursement for your medical expenses.

Whether it's a regular check-up or a specialist consultation, being informed about your healthcare rights and procedures allows you to take full advantage of Luxembourg's excellent health system.

Want more healthcare tips for living in Luxembourg? Subscribe to our newsletter and get our free reimbursement checklist to avoid common mistakes and claim your medical expenses quickly and stress-free!