Healthcare Services Are Available to All Residents, Including Working Foreigners, in Luxembourg. Medical Care is Easily and Freely Reimbursed Using Insurance. The Public Insurance System in Luxembourg Covers Nearly 90% of Medical Services. According to the New Law, Social Security Contributions Should Be Deducted From Employees’ Salaries, With the Cost Split Equally Between the Employee and the Employer. These Contributions Are Deposited Into the National Health Fund to Enable Employees to Access Medical Care Through the Public Health System.
In Addition to Healthcare Services, the Government’s Healthcare Policy Includes Various Other Services. These Medical Benefits Encompass Medical Treatment, Dental Care, Preventive Care (Including Contraception and Vaccinations), Paramedical Services, Homoeopathy, Transplants, and Vision and Hearing Aids (Including Eyeglasses and Contact Lenses). The State Covers the Cost of Treatment Only When the Doctor is an Active Member of the Government’s State Scheme.
Self Employed Persons and Sole Proprietorships pay the contributions independently. The amount of the contribution of the residents will depend upon the Profession of the Individuals.
Family Members (including partners, spouses and relatives) should be covered jointly along with other family members who are paying the premiums.
Pensioners and other People who are not working or employed should have to pay the contribution amount from their benefits.
Adults up to the age of 29 years should be co-insured along with their parents who are already paying their premium. After the age of 30 years, co-insurance should be only possible with the approval from the CNS and when the person is in higher education.
Documents Needed To Receive The Medical Bills CNS Reimbursement
To receive the medical bill reimbursement in Luxembourg certain documents are required for completing the procedure. The documents required for reimbursement include – all the original receipts of the counselling treatment along with the medication purchases. All other purchases related to the medical treatment are subject to the reimbursement policy of the state. In case of any discrepancy in the reimbursement policy, the citizens should have to approach the state to resolve the issue.
Services Covered Under Medical Bills CNS Reimbursement
Multiple types of medical services are covered under health insurance under the CNS Reimbursement. The list of services that are covered includes- multiple types of tests of the insured person, medical consultation in different hospitals at cost-effective rates, Pregnancy, Majority of Prescription Drugs, Hospitalisation Cost, Rehabilitation Charges, Inpatient Care and Psychiatric Care of the Insured Person. These are the major types of medical services that can be reimbursed using the CNS Reimbursement Facility of the State.
Private Coverage Through Medical Bills CNS Reimbursement
Public Insurance is affordable and cost effective but it does not cover 100 percent of the medical costs. In case of huge medical expenditure, the individuals need to also rely on Private Insurance.
The terms and conditions of the coverage of health care services are detailed in the contract of the private insurance policy. The major advantage of private insurance is that it covers the unexpected expenditure in case of an emergency hospitalisation.
Steps To Receive The Medical Bills CNS Reimbursement
Different kinds of documents and other medical formalities are required to be followed to receive the medical bill reimbursement. Steps to receive the medical bill CNS Reimbursement are given below:-
STEP 1) Submit all the Original receipts, invoices and other medical payment documents such as – a stamp from the financial institution showing the name, and doctor’s prescription followed by his or her signature.
STEP 2) A Bank Account Number should be provided to receive the amount refunded. It should be attached along with a bank statement from the bank.
STEP 3) After submitting the Bank Account Number and other details, you need to submit the 13-digit National Identification Number of the Insured Person along with the original name and the address as specified in the medical documents.
