Health insurance your shield for wellness and security

Health insurance premiums are predominantly determined by age and health condition. Following a comprehensive medical questionnaire, four potential outcomes arise. Maintaining excellent health results in no price adjustments, while premiums may increase, exclusions may apply, or there could be a refusal based on the assessment.

Accidents and unexpected illnesses can happen to anyone at any age. Having health insurance provides financial protection and access to essential healthcare services when needed.

Health insurance options can be broadly categorized into three types. Complementary to national healthcare insurance, these plans come in various formulas: Basic, Medium, and Top, providing comprehensive coverage from A to Z. Additionally, compensatory health insurances are available, addressing loss of revenue due to unforeseen events. Here, one must choose the duration and starting date following an accident or illness. Lastly, integral health insurance plans offer direct coverage ranging from 20% to 100%, mirroring the structure of complementary insurance with diverse formulas catering from basic to top-tier coverage.

Health insurance plans typically fall into four main categories: inpatient treatments, outpatient treatments, vision aid, minor and major dental treatments. Many plans also offer additional services, such as coverage during vacations in other countries or obtaining a second opinion for significant illnesses like cancer or heart problems.

Flexibility in changing your health insurance plan exists, with a distinction between upgrades and downgrades. Downgrades, involving a transition to a minor plan with reduced guarantees, can be executed annually on the 1st of January. Upgrades, on the other hand, are permissible at any time but necessitate a new medical questionnaire. This process may result in changes to premiums, exclusions, or even refusal based on the updated health assessment.

Our waiting periods encompass two distinct categories. A standard waiting period of three months applies to the entire contract, while a more extended waiting period of eight months is specified for complications related to pregnancy and childbirth, psychiatric treatment, as well as minor and major dental treatments. It’s important to note that the sole exception to these waiting periods is in the event of an accident.

Eligibility for our complementary plans requires employment in Luxembourg, irrespective of later residence in France, Germany, or Belgium. Additionally, family members sharing the same address as the policyholder, even if not employed in Luxembourg, can be added to the contract.

It’s important to note that primarily individuals must be enrolled in the national security system. The only exception to this rule is if the policyholder, who is obviously enrolled in the national security system, integrates them into his contract.