Health in Luxembourg: Long-term care insurance will cover nearly a million people

In 2025, Luxembourg’s long-term care (AD) insurance system plans to cover around 986,800 people, two thirds of whom are residents and one third who are non-residents. This is what the National Health Fund (CNS) indicated this Monday. As a reminder, Long-term care insurance is one of the branches of social security. It covers the costs of assistance and care necessary for dependent people.

“The estimated number of dependent people cared for at home should reach approximately 10,530, an increase of +4.7%,” specifies the CNS. The average number of beneficiaries in aid and care establishments is estimated at around 5,530, an increase of +1.5%.

For the year 2025, the current operations balance is expected to remain positive, amounting to 34.3 million euros. “With an estimated overall reserve of 587.0 million euros at the end of the year, representing 54.3% of current expenses, long-term care insurance displays a stable financial situation by 2028,” notes the public establishment Luxembourgish.

For the record, AD funding is provided 60% by contributions from policyholders and 39% by the State contribution, the latter representing 40% of current expenses.