If you've searched online for private health insurance that covers expats in Luxembourg then you are most likely for looking for trusted UK based health insurance providers that will cover your medical costs in Luxembourg.
Living as an expat in Luxembourg you want to avoid any nasty unexpected health care costs. In some countries these can amount to hundreds of thousands of pounds for serious conditions.
Our advice when shopping around for health insurance that covers expatriates living in Luxembourg is to speak to a insurance broker. Health insurance is extremely complex and if you want absolute certainty that Luxembourg is covered you should consult with a medical insurance broker who can explain which providers will cover medical expenses for expatriates in Luxembourg and which will not.
There are many advantages to using a broker but the biggest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you live in many different postcodes? Some will give you a cheaper policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've developed a certain medical condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider on the market and ask if they provider cover for expats in Luxembourg, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its far far quicker to speak to one medical insurance broker which will know which policy providers on the market offer cover for expats in Luxembourg and under what conditions they do or don't cover it.
Tourism in Luxembourg is an important component of the national economy, representing about 8.3% of GDP in 2009 and employing some 25,000 people or 11.7% of the working population. Despite the 2008–2012 global recession, the Grand Duchy still welcomes over 900,000 visitors a year who spend an average of 2.5 nights in hotels, hostels or on camping sites. Business travel is flourishing representing 44% of overnight stays in the country and 60% in the capital, up 11% and 25% between 2009 and 2010. Published by the World Economic Forum in March 2011, the Travel and Tourism Competitiveness Report puts Luxembourg in 15th place worldwide, up from 23rd place in 2009.
Major destinations are historic Luxembourg City, the medieval castle of Vianden, Echternach with its abbey and the wine districts of the Moselle valley. The Mullerthal with its rocky cliffs in the east and the mountainous Oesling district in the Ardennes to the north are also favourites for outdoor enthusiasts.
Luxembourg has good road and rail and air connections with the rest of Europe, making it an increasingly popular destination for international meetings as well as for extended weekend stays. Over half the visitors to Luxembourg come from the Netherlands, Belgium and Germany with substantial numbers from France, the United Kingdom and the United States. Camping is popular in Luxembourg, particularly with the Dutch, who camp for much longer than other nationalities, especially in the Ardennes and the Mullerthal.
Bordered by Belgium, France, and Germany, Luxembourg has a population of over half a million people in an area of 2,586 square kilometres (998 sq mi). A representative democracy and constitutional monarchy ruled by a Grand Duke, it is the world's only remaining Grand Duchy. The country has a highly developed economy, with the world's highest GDP per capita. Its strategic importance dates back to a Roman era fortress and Frankish count's castle site in the Early Middle Ages. The City of Luxembourg, the capital and largest city, is the seat of several institutions and agencies of the European Union and an important financial centre.
Luxembourg culture is a mix of Romance Europe and Germanic Europe, borrowing customs from each of the distinct traditions. While Luxembourgers are fluent in all three of their official languages, German, French and Luxembourgish, most also have a good working knowledge of English.
Luxembourg's road network has been significantly modernised in recent years with motorways to Belgium, France and Germany. The advent of the high-speed TGV link to Paris has led to renovation of the city's railway station while the new passenger terminal at Luxembourg Airport handled over 1.6 million passengers in 2010, an increase of 5.1%.
There are frequent air connections with many European cities including Amsterdam, Berlin, Copenhagen, Frankfurt, Geneva, London, Madrid, Paris and Rome. Paris can also be reached in just over two hours by rail and in about three and a half hours by road. Brussels is some two hours away by road, a little longer by rail.
In 2009, Luxembourg had 261 hotels, inns and hostels able to accommodate 14,709 guests. The central area including the City of Luxembourg had a capacity of 8,057 guests (55%) followed by the Ardennes region with a capacity of 2,757 (18%). The total number of nights spent in hotels, inns and hostels was 1,264,448, down 8% on 2007. The number of nights spent camping was 739,208, down 8.4%.
Luxembourg cuisine combines the quality of French dishes with the quantity of German and Belgian servings. But there are also some national favourites such as Bouneschlupp, a soup with French beans, Judd mat Gaardebounen, neck of pork with broad beans, and Fritür, small fried fish from the Moselle. Dry white wines from the Moselle valley include Riesling, Pinot gris, Pinot blanc and Auxerrois and the less sophisticated Rivaner and Elbling. Also popular is Luxembourg's Crémant, a sparkling wine produced in accordance with the traditional method for French champagne.
The City of Luxembourg is not only a historic UNESCO site with its fortifications lining the steep valley but also an important European and financial centre with imposing modern buildings.
In September 2011, the Luxembourg City Tourist Office reported that after several years of decline, the city welcomed 403,085 tourists between January and August 2011, a 6.38 increase over 2010. The casemates were the most popular attraction with a total of 87,083 visitors, most of whom visited the Bock Casemates.
Within walking distance of each other, places of interest in the old town include the fortifications and the underground defences known as the casemates, the Grand Ducal Palace, the neogothic Cathedral of Notre Dame, Place Guillaume II with the City Hall, the Place d'Armes with its pavement restaurants and cafés, the Gëlle Fra or Golden Lady crowning the obelisk in memory of those who died for their country during the First World War and the nearby Adolphe Bridge towering over the valley.