Seguro para la entrada a Luxemburgo: ¿quién lo necesita, reglas de aplicación para diferentes categorías de visa y dónde comprarlo?

¿Planeando un viaje a Luxemburgo en 2025? Descubre quién necesita un seguro de salud para la entrada, qué requisitos se aplican a turistas, estudiantes, refugiados, y cómo elegir y solicitar un seguro en línea

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Luxembourg is a popular destination for Ukrainians who travel, study or move for a long time. The country attracts with its stable economy, European level of medicine and natural beauty. But regardless of the purpose of the trip - tourism, work or family reunion - the key element remains the availability of health insurance. This is not only a matter of safety, but also a mandatory requirement when crossing the border or applying for a residence permit.

In this article, we will understand who needs insurance to enter Luxembourg in 2025, what requirements apply to different categories of foreigners, and how to quickly apply for a policy online.

Read here why expats are increasingly choosing Luxembourg in 2025.

What jobs in Luxembourg are in greatest demand among foreigners were discussed in this material.

Useful tips for expats planning to move to Luxembourg in this material.

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter Luxembourg?

Health insurance is not only a recommendation, but often a requirement when visiting Luxembourg. Depending on the purpose of the visit, an insurance policy may be mandatory or desirable, but in any case it is extremely important for your safety.

- Tourists, students, employees

For all foreigners applying for a national visa or temporary residence permit in Luxembourg (residence permit), having health insurance is a mandatory requirement. This applies to:

1. University students,

2. Employees who have received a work permit,

3. Family members who are reuniting with relatives in the country.

The policy must cover the costs of treatment and repatriation in the event of illness or accident. As a rule, the amount of coverage must be at least 30,000 euros, and the insurance company must be recognized in the EU.

Tuition fees, admission requirements and the best universities in Luxembourg in this article.

A detailed guide on how a foreigner can find a job in Luxembourg is here. The procedure for obtaining a Luxembourg blue card is in our material.

- Visa-free: do you need insurance?

Ukrainian citizens can stay in Luxembourg for up to 90 days within 180 days without a visa. Formally, medical insurance is not a mandatory document for visa-free entry, but border guards may ask for it as confirmation of your financial preparedness for unforeseen situations.

In addition, medical services in Luxembourg are expensive - a doctor's consultation can cost 50-100 euros, not including diagnostics or hospitalization. That is why budget travel insurance will be a reliable support on the trip.

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- Insurance for refugees

Foreigners who have received temporary protection in Luxembourg are entitled to state health insurance, which covers basic medical services. This status allows you to receive assistance in state medical institutions. At the same time, additional private insurance may be required to receive services without queues or in private clinics.

- If you are traveling by car

It is worth mentioning separately about mandatory third party liability insurance (TLI). If you are entering Luxembourg by your own car, you need a valid Green Card - an international insurance certificate that confirms the presence of car insurance valid in EU countries. Without it, you may not be allowed at the border or be fined during the inspection.

On the Visit Ukraine portal, you can apply for a Green Card online in just a few minutes.

What are the requirements for an insurance policy for a trip to Luxembourg?

An insurance policy for entering Luxembourg must meet certain standards that depend on the duration and purpose of your stay. Two categories can be distinguished: short-term (up to 90 days) and long-term trips (over 90 days, with a visa or residence permit).

1. Short-term trips (tourism, business, transit, visa-free)

If you plan to stay up to 90 days, you need a medical insurance policy that meets the requirements of the Schengen area, namely:

- Minimum coverage amount – 30,000 euros

- Coverage of emergency medical care, hospitalization and repatriation costs

- Policy validity throughout the Schengen area

- Insurance company must be recognized in the EU

Such a policy may be required both when applying for a visa and at the request of a border guard during visa-free entry. Even if you are not asked to show a document at the border, it can be critically important in the event of a sudden illness or injury.

2. Long-term trips (study, work, residence permit)

When applying for a national visa type D or temporary/permanent residence in Luxembourg, the requirements for the insurance policy are more stringent:

- The policy must be valid for the entire period of stay in the country (from 90 days to several years).

- Must cover all medical services, including outpatient and inpatient treatment

A written confirmation of insurance coverage and a detailed description of the conditions of service provision are also often required.

About the cost of living in Luxembourg in this material.

What insurance can be taken out in Luxembourg?

When planning a trip to Luxembourg, it is important to choose a reliable insurance policy that will meet the purposes of the trip and the requirements of the migration authorities. There are two main options: taking out local insurance in Slovakia or purchasing a policy from a Ukrainian insurance company before the trip.

Local insurance in Luxembourg

Some foreigners, especially those who are already in the country with a residence permit or temporary protection, can take out health insurance with local companies.

- It is taken into account when applying for a residence permit

- Covers treatment in public and private medical institutions

- Not valid outside Luxembourg

- Can be expensive: from 400 to 1000+ euros per year

- Registration is possible only with a local IBAN and residential address

That is, for tourists, students at the stage of submitting documents or for short trips, local insurance is not a convenient option. It is more suitable for those who already have resident status or work in the country.

Online insurance through Ukrainian insurers

The most convenient and fastest way to get a policy is to apply for insurance online before the trip through a proven platform. For example, on the Visit Ukraine portal, you can:

- Apply for insurance that meets the requirements of Schengen and local residence permit.

- Receive an electronic policy by email in 5 minutes.

- Choose coverage: from 30,000 euros.

- Include the option of COVID-19, injury, repatriation insurance

- Pay by card from any country

Such policies are accepted by the Luxembourg migration service when applying for a national visa or residence permit, and are also ideal for tourists.

We tell you about the features of the Luxembourg healthcare system in our guide.

What does the insurance that can be issued on Visit Ukraine cover?

When choosing an insurance policy for a trip to Luxembourg, it is important to understand what risks are covered by different insurance options. The Visit Ukraine portal offers the registration of both medical and travel insurance policies that meet all the requirements of the Schengen Agreement and provide financial protection in case of unforeseen circumstances during your stay in Luxembourg.

Medical Insurance on the Visit Ukraine Portal

Medical insurance policies available on the Visit Ukraine website provide comprehensive protection during your stay in Luxembourg, including emergency medical care, COVID-19 treatment, and compensation for transportation costs in emergency situations.

The Europe Classic policy provides basic coverage:

- Emergency outpatient and inpatient care.

- Diagnosis and treatment of COVID-19 if medically indicated.

- Coverage for medical transportation to the nearest medical facility.

- Insurance in case of an accident.

- Emergency dental care.

- Costs of repatriation of the body in case of death abroad.

The Europe Classic Plus policy provides extended coverage, including all the benefits of the Classic policy with additional services, such as

burial arrangements abroad and extended protection in case of emergency.

Travel insurance on the Visit Ukraine platform

If you are planning a short-term trip to Slovakia, you can choose from a variety of travel insurance options with different levels of protection.

The Europe Basic policy includes:

- Treatment and diagnosis of COVID-19.

- Medical assistance in case of an accident.

- Repatriation of the body in case of death.

- Emergency medical, obstetric and dental care.

- Medical evacuation in case of emergency.

Europe Comfort policy provides extended insurance coverage and additionally includes:

- Expenses for defence of the insured person's rights and legal advice.

- Compensation in case of flight delay or cancellation.

- Coverage of expenses for restoration of documents in case of their loss or theft.

- Protection in case of loss of luggage.

The most comprehensive coverage is offered by the Europe VIP policy, which, in addition to all the above services, includes

- Legal protection in the event of an accident.

- Organisation of delivery to the destination in case of car breakdown.

- Comprehensive support in case of loss or theft of documents.

How much does insurance cost on Visit Ukraine?

Health insurance

Travel insurance

Why is it worth taking out travel insurance for a trip to Slovakia on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip to Luxembourg?

Get a policy quickly and conveniently on the Visit Ukraine portal! The insurance meets all the requirements for entry into the EU and provides reliable protection during your stay abroad.

Get insurance online in a few minutes and travel without worries!

Let us remind you! Are you driving to Europe in your own car? Without the right insurance, the road can turn into fines and problems. We have already talked about car insurance in Europe for Ukrainians in 2025 and how to advantageously apply for a policy.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

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