Health and maternity insurance
Luxembourg has a health and maternity insurance system to which virtually the entire insured population, both residents and non-residents, has access.
This system is a cornerstone of social protection in Luxembourg and is based on a solidarity-based model involving insured persons, employers and the public authorities.
Governance
Health and maternity insurance is managed by the National Health Fund (CNS), a public body responsible for organising and reimbursing healthcare in Luxembourg.
The CNS is governed by a board of directors, comprising delegates representing private-sector employees appointed by the Chamber of Employees (5), delegates from the public sector (3), delegates representing the self-employed appointed by the Chamber of Commerce (1), the Chamber of Trades (1) and the Chamber of Agriculture (1), as well as employer representatives appointed by the Chamber of Commerce and the Chamber of Trades (5).
Funding and contributions
The system is funded primarily through contributions paid by insured persons, employers and the State. Expenditure on health and maternity insurance covers, in particular, benefits in kind (healthcare, medicines, hospitalisation) as well as cash benefits, such as allowances for incapacity for work or maternity.
Role of UEL
UEL monitors developments in the health and maternity insurance system and contributes to discussions regarding its funding and sustainability for businesses.