Health Insurance for Students in Luxembourg: Who Is Covered

Fee figures: catalogue of 6 October 2026.

Health cover is a condition of enrolment in Luxembourg, not an optional extra. The University of Luxembourg will not finalise your enrolment until you show cover for the semester, and the immigration rules ask for insurance at the visa stage as well. What you must do depends on where you come from and on whether you are already insured.

The rule at the University of Luxembourg

To finalise enrolment you must present either a European Health Insurance Card or a proof of affiliation to a health insurance scheme that states the period of coverage. The cover must run at least for the semester you enrol in. The official guide to social security says that all students regularly enrolled in a Luxembourg university establishment must have health coverage, wherever they live.

The university also asks for a copy of the card, both sides, among the application documents. It notes that non-EU students can obtain the card by paying the required fee when they arrive in Luxembourg.

Three situations

You are insured in the EU, the EEA or Switzerland. Request the European Health Insurance Card from the insurer in your country. With it you can receive care in Luxembourg. You register with the National Health Fund (CNS) only when care is actually given and you want a reimbursement, and you then show the card and a certificate of student enrolment.
You are insured in a country that has a social security agreement with Luxembourg. The Guichet.lu page lists, among others, Bosnia-Herzegovina, Cape Verde, North Macedonia, Montenegro, Quebec, Serbia, Tunisia and Turkey. You need the form issued by your home institution and a certificate of student enrolment. That page carries a last update of 2013, so check the list with the CNS before relying on it.
You have no cover. Applicants without health insurance are asked to pay the fee to join the statutory scheme directly to the university, at the same time as the enrolment fee. All applicants from third countries receive a document about statutory insurance on arrival, and they pay the registration fee to the university in the same way, by bank card in person.

Students without a co-insured status or other insurance must enrol personally with the Joint Social Security Centre (CCSS), and the contribution is calculated from the social minimum wage. The CCSS then sends a letter with the start of coverage and the monthly amount, and a social security card that you return at the end of your studies. The page gives no fixed contribution amount, so ask the university or the CCSS for the current one, and budget for it in the cost guide.

What the visa asks for

Non-EU applicants must attach travel health insurance for the visa application, valid in the whole Schengen area for the entire duration of the visa. It must cover medical treatment including hospitalisation, repatriation for medical reasons and funeral costs. See the student visa guide.

EU, EEA and Swiss students registering at their commune must also prove health insurance and enough resources not to depend on social assistance. If you later apply for the 12-month job-search permit after a Master's, you must show comprehensive health insurance covering all risks in Luxembourg.

Double affiliation and student jobs

If you pay the insurance fee to the university and later become affiliated a second time through a student employment contract, you can ask for a refund. The university's rules:

For a winter semester refund, wait until 15 February, and submit your request before 15 April.
For a summer semester refund, wait until 15 September, and submit your request before 15 November.
You need a certificate of affiliation, available from the CCSS, by email to cns@secu.lu or through Guichet.lu.
The minimum refund is one month, and a month that your contract does not cover fully is not refunded.

You must also tell the Admission Office in writing about any change in your situation, such as a student job, a change of address or leaving your studies, with the subject line Health insurance. See scholarships and student jobs.

What care costs

Luxembourg's own price statistics, quoted by the university, show an average consultation with a general practitioner at 61 euros and with an internal medicine specialist at 56 euros, as reported for 2025. Students over 18 can choose their own general practitioner. Ask the CNS what it reimburses for your category of student.

Official sources

Always check current information on the official website of the university before you apply.