Luxembourg employees report illness on the first absence day and, for absences of at least three days, deliver a medical certificate by the third day. Pay starts with the employer and may later pass to the CNS.
A practical guide to Luxembourg's statutory health insurance: who the CNS covers, how affiliation and reimbursement work, the new Paiement Immédiat Direct, and what supplementary cover exists.
Despite its near-ubiquity in Luxembourg's private health cover, the DKV name now spans two separate companies in two different hands. DKV Luxembourg, the LALUX-owned top-up market leader, is firmly in business. The international, expatriate-focused insurer once branded 'DKV Globality' is a different story: rebranded Globality and owned by Munich Re's ERGO, it was sold to Foyer in a deal completed in 2023.