® Two systems, briefly explained
In Luxembourg, the CNS (Caisse Nationale de Santé) covers a large part of prescribed physiotherapy. Services such as osteopathy, dry needling or prevention and Pilates training, on the other hand, are self-pay services — this is where supplementary health insurance steps in and, for patients from Germany, in some cases the statutory health insurance funds as well.
Physiotherapy — CNS reimbursement
The basis is always a medical prescription, which must be validated by the CNS. We submit it for validation on your behalf — to do so, we must submit the prescription within 30 days of its being issued. Please therefore bring it to your first appointment as soon as possible.
| Situation | Sessions per prescription | Reimbursement |
|---|---|---|
| Standard condition (adults) | up to 8 | 70% of the CNS rate |
| Children & adolescents under 18 | depending on the prescription | 100% |
| After surgery on the musculoskeletal system* | up to 16 (max. 32 in total) | 100% |
| Manual lymphatic drainage | up to 24 | 70% (or 100%, see above) |
| Recognised serious condition (pathologie lourde, e.g. hemiplegia, MS, Parkinson’s) | up to 64 | 100% |
* Prescription issued within 4 months of the operation; treatments within 4 months of validation.
Official rules: CNS — Kinésithérapeutes
Osteopathy & additional services — who reimburses what?
The CNS does not currently reimburse osteopathy as standard. However, many supplementary health insurers contribute — the conditions vary depending on the plan:
Supplementary health insurance in Luxembourg
| Insurer | Coverage (as of 07/2026) | Official information |
|---|---|---|
| CMCM | Osteopathy/chiropractic up to €100 per year (€50 Régime commun + €50 Prestaplus) | cmcm.lu — Prestations |
| AXA (OptiSoins) | Médecines douces (including osteopathy) up to €500–700 per year depending on the plan | axa.lu — Assurance santé |
| DKV Luxembourg | Included in the EASY & PLUS HEALTH plans (amount depends on the plan); not in COMPACT | dkv.lu — Private customers |
| Foyer (medicis) | Osteopathy up to approx. €1,000 per year depending on the plan | foyer.lu — Assurance santé |
Statutory health insurance funds in Germany (for patients from the border region)
| Fund | Coverage (as of 07/2026) | Official information |
|---|---|---|
| Techniker Krankenkasse | Subsidy of €40 per session, max. 3 sessions per year; a medical certificate is required before treatment begins | tk.de — Osteopathie |
| AOK | Varies considerably between regional funds (e.g. AOK Baden-Württemberg up to €300/year) — please check with your own AOK | aok.de (select your regional fund) |
| IKK Südwest | Gesundheitskonto (health account): 5 sessions at max. €30 each per year; children up to 17: 10 sessions at max. €40 each | ikk-suedwest.de — Alternative Heilmethoden |
Important for policyholders insured in Germany: Whether these subsidies also apply to treatment in Luxembourg is decided by the insurance fund on a case-by-case basis — check with them briefly before you book, or talk to us. Our invoices contain all the details required for submission.
How submission works
You receive a complete invoice from us. For CNS services, you submit the invoice + prescription to the CNS (or use direct billing where available). For supplementary health insurance, you send the paid invoice directly to your insurer — usually via their app or online portal.
All information is provided without guarantee, as of July 2026. Only the information provided by your insurer is binding — rates and conditions change. If you are unsure, we are happy to help you find your way.