Health Insurance
Comprehensive health coverage to protect your health today and your future tomorrow
Your health deserves the best protection.
With DKV health insurance in Luxembourg, offered by your lalux – Yves Penny agency, you benefit from a recognized solution to effectively complement social security reimbursements.
DKV is a leading player in Europe in health insurance. Thanks to this expertise, you enjoy performant, flexible and tailored coverage to suit your situation.
A complete complementary health insurance in Luxembourg
The easyPROTECT Health insurance complements legal reimbursements to provide you with better comfort of care and broader coverage.
Why choose DKV health insurance?
Even with basic coverage, some medical expenses remain high: hospitalization, dental care, glasses, specific treatments...
The DKV health insurance allows you to:
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Significantly reduce your out-of-pocket expenses
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Access quality care with peace of mind
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Enjoy extensive coverage
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Be better protected in case of unforeseen events
It is an ideal solution to preserve your health and your budget.
A solution tailored to your profile
Whether you are:
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A young professional
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A family with children
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Self-employed
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Retired
The DKV health insurance adapts to your situation with modular and customizable plans.
What does health insurance cover?
✔ Outpatient treatment
Health insurance covers in particular:
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Medical care
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Medications and dressings
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Physiotherapy and massages
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Maternity services
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Devices (hearing aids, orthopedic insoles, etc.)
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Vision aids
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Refractive surgery (e.g., laser surgery)
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Alternative treatments
This coverage significantly reduces your out-of-pocket expenses.
✔ Dental treatment
Oral health often represents a significant budget. easyPROTECT Health includes:
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Dental care
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Professional scaling
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Dental prostheses (crowns, implants, inlays, etc.)
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Orthodontics
An ideal solution for families and individuals who wish to anticipate significant dental expenses.
✔ Hospitalization
In case of hospitalization, you benefit from extensive coverage:
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Medical care services
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Accommodation expenses, including a private room
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One-Day-Clinic
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Rooming-in for a parent if the child is hospitalized
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Ambulance transport to the hospital
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Daily allowance
✔ BEST CARE+ / BEST CARE PREMIUM+ Rates
These enhanced plans include:
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Preparation of a second medical opinion by recognized specialists
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Rapid organization of an operation (within 5 working days if needed)
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Payment of a lump sum
Insurance coverage also includes free services according to the TRAVEL+ rate (see specific information sheet).
What is not insured?
Certain services are excluded, including:
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Treatments without recognized medical need
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Preventive treatments, spas, and sanatoriums
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Cosmetic care
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Expenses related to food, nutrition, and vitamins
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Damage related to nuclear radiation, war, terrorism, or similar events
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Claims occurring before the start or after the end of the contract
Specific Exclusions
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Waiting periods applicable
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Reimbursements limited to actual costs
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Failure to meet contractual obligations (CGA)
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Late payment of contributions
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Stays outside Europe (according to conditions)
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The information presented here is not exhaustive. To know your rights and obligations precisely, please consult:
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The insurance application
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The insurance policy
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The general insurance conditions (CGA)
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The specific conditions of the chosen rate
Health: complete protection
Protecting your health today and securing your financial future are two complementary decisions.
By choosing the lalux – Yves Penny agency, you benefit from:
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Personalized support
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Clear and transparent solutions
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The expertise of the lalux ASSURANCES group
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A local representative in Luxembourg
Together we can build a tailored protection for your future.
