Studying abroad in Luxembourg is thrilling. However, every international student must secure health insurance before enrolling in a university or applying for a student visa.
Health insurance is essential, whether you’re from the EU/EEA or elsewhere. It guarantees medical care access and shields you from steep healthcare expenses in a foreign system. With numerous providers available, how do you choose the right policy?
Discover the top 10 health insurance options for international students in Luxembourg. We’ll highlight essential benefits, costs, eligibility criteria, and practical tips to secure coverage.
Why Health Insurance is Mandatory for Students in Luxembourg
Let’s start with the basics.
Non-EU/EEA students must have private health insurance of at least €30,000 to get a student visa and register their residence. EU/EEA students can use the European Health Insurance Card (EHIC) for basic public healthcare. However, EHIC has limitations: it doesn’t cover repatriation, offers limited emergency services, and usually excludes private hospitals.
Private health insurance is crucial. Even EU/EEA students should enhance their EHIC with international or local plans for full coverage. Here are the top 10 health insurance options for international students in Luxembourg.
1. Swisscare
Swisscare is a popular choice for both EU and non-EU students. It’s known for its student-focused design and visa-compliant packages.
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- Who it’s for: Non-EU/EEA and EU/EEA students.
- Key Benefits:
- Affordable pricing.
- Instant policy issuance (great for urgent visa needs).
- Coverage for medical expenses, repatriation, and emergencies.
- Affordable pricing.
- Why it’s great: It’s simple. You can apply online in minutes. Plus, Swisscare meets Luxembourg’s visa requirements head-on.
👉 https://swisscare.com/en/country/luxembourg
2. Aon Student Insurance
Aon is well-established globally and brings extra flexibility to student insurance in Luxembourg.
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- Target Audience: All international students.
- Coverage Includes:
- Healthcare, repatriation, accident insurance.
- Legal assistance, baggage loss, and tuition fee reimbursement.
- Healthcare, repatriation, accident insurance.
- Strengths:
- Competitive premiums.
- Instant insurance certificate.
- Helpful if you’re planning to travel beyond Luxembourg during your studies.
- Competitive premiums.
👉 https://studentinsuranceportal.com/to-university/university-of-luxembourg
3. Cigna Global
Cigna offers fully customizable global health insurance plans, making it suitable for students with unique needs or those staying long-term.
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- For Whom: Expats, long-term students, and families.
- Pros:
- Global hospital network access.
- 24/7 multilingual support.
- Choice of deductibles and benefits.
- Global hospital network access.
- Best For: Students looking for flexibility and a premium international experience.
👉 https://schengeninsuranceinfo.com/health-insurance/luxembourg/
4. Allianz Care
If you want strong brand backing and robust support, Allianz Care delivers that with solid international presence.
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- Target Group: Global students and expatriates.
- Features:
- Emergency medical evacuation.
- Inpatient and outpatient care.
- Maternity and specialist consultations.
- Emergency medical evacuation.
- Why Consider It?: It’s ideal for students staying beyond a semester or those with pre-existing health concerns.
👉 https://schengeninsuranceinfo.com/health-insurance/luxembourg/
5. Bupa Global
Bupa Global is another high-end option offering comprehensive worldwide coverage with great service perks.
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- Highlights:
- Direct billing with many hospitals.
- Easy claims process.
- Emergency support anywhere.
- Direct billing with many hospitals.
- Extras: Strong in customer satisfaction and trusted by professionals globally.
👉 https://schengeninsuranceinfo.com/health-insurance/luxembourg/
6. AXA Schengen & AXA Global Healthcare
AXA’s offerings for students come in two flavors: Schengen-specific and Global plans.
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- Coverage:
- Up to €100,000 including COVID-19 care.
- Medical repatriation.
- Emergency and hospitalization.
- Up to €100,000 including COVID-19 care.
- Perks:
- No age limits.
- Zero deductible.
- Instant policy for visa application.
- No age limits.
👉 https://www.axaglobalhealthcare.com/en/
👉 https://www.axaglobalhealthcare.com/en/
7. International Student Insurance (ISI – Student Secure Plan)
ISI’s Student Secure Plan is tailored specifically for students with flexible pricing and plan tiers.
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- Four Tiers: Smart, Budget, Select, Elite.
- What’s Covered:
- Doctor visits, mental health, maternity, and sports.
- Repatriation, telemedicine, prescription drugs.
- Doctor visits, mental health, maternity, and sports.
- Standout Feature: Monthly payments and up to 4 years of renewable coverage.
👉https://www.internationalstudentinsurance.com
8. International Medical Group (IMG)
IMG has a reputation for offering student-specific international insurance plans with useful tools and support.
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- Top Plans: Student Journey Lite, Plus, Platinum.
- Benefits:
- Up to $500,000 in coverage.
- 24/7 telehealth and global support.
- Mental health benefits included.
- Up to $500,000 in coverage.
- Great For: Students with changing needs or multiple semesters abroad.
👉https://www.imglobal.com/international-student-health-insurance
9. HealthForExpats (International-Santé.com)
This is a French-based broker, offering over 20 tailored plans that fit student, intern, and expat needs.
- What You Get:
- Civil liability coverage.
- Repatriation and medical emergencies.
- Coverage for study interruption and lost baggage.
- Civil liability coverage.
- Easy Process:
- Apply online.
- Instant quotes.
- Premiums starting around €33/month.
- Apply online.
👉 https://www.international-sante.com/healthforexpats/international-student-insurance/
10. easyPROTECT Discover (Lalux Assurances)
Lalux is a Luxembourg-based insurer offering a student-focused product for both locals and foreigners.
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- What’s Included:
- Health insurance.
- Civil liability.
- Personal belongings (e.g., laptops, electronics).
- Accommodation coverage.
- Health insurance.
- Unique Point: Good for international students residing in Luxembourg long-term or those looking for co-insurance with family.
👉https://www.lalux.lu/en/blog/health-cover-while-studying-abroad-everything-you-need-to-know
Comparison Snapshot
| Provider | Emergency + Repatriation | Visa-Compliant | Starting Price | Notable Benefit |
| Swisscare | ✅ | ✅ | Low | Instant delivery |
| Aon Student Insurance | ✅ | ✅ | Competitive | Tuition refund, legal aid |
| Cigna Global | ✅ | ✅ | Variable | Fully customizable coverage |
| Allianz Care | ✅ | ✅ | Variable | Strong maternity and specialist care |
| Bupa Global | ✅ | ✅ | Variable | Direct billing, elite service |
| AXA Schengen/Global | ✅ | ✅ | €20–€50 | No age limit, no deductible |
| ISI (Student Secure Plan) | ✅ | ✅ | From $29 | Monthly billing, up to 4 years |
| IMG | ✅ | ✅ | Variable | Flexible plans, telehealth |
| HealthForExpats | ✅ | ✅ | From €33 | Civil liability and baggage |
| Lalux (easyPROTECT) | ✅ | ✅ | Variable | Coverage for IT gear, housing |
What You Need to Do Before Arriving in Luxembourg
Here’s your checklist:
- Determine your residency status: Are you from the EU/EEA or outside of it? This impacts your coverage needs.
- Check your visa requirements: Luxembourg requires non-EU students to have private coverage of €30,000 minimum.
- Apply online: Most providers listed here offer instant application and digital policy confirmation.
- Submit proof to your university: Your university may ask for documentation before enrollment or residence registration.
- Consider supplemental coverage: Even if you have EHIC, things like mental health, private hospitals, and repatriation may not be covered.
Final Thoughts
Health insurance is essential, offering peace of mind and protection during unforeseen events, especially when you’re away from home and need urgent medical assistance. Selecting the right policy is crucial and deserves thorough research. Whether you prioritize cost-effectiveness, adaptability, or worldwide coverage, Luxembourg provides reliable choices for all international students. Move to Luxembourg with confidence. Secure your insurance, maintain your coverage, and concentrate on what truly matters: your education and international experience.
Sources for Further Reading:
- https://swisscare.com/en/country/luxembourg
- https://studentinsuranceportal.com/to-university/university-of-luxembourg
- https://www.axa-schengen.com/en/travel-insurance/schengen/luxembourg
- https://www.internationalstudentinsurance.com
- https://www.imglobal.com/international-student-health-insurance
- https://www.lalux.lu/en/blog/health-cover-while-studying-abroad-everything-you-need-to-know
