Healthcare in Luxembourg

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14 Hospitals like the Luxembourg City St. Zita Convent facility provide a wide range of healthcare services for Luxembourg's citizens. Luxembourg City St Zita Convent.jpg
14 Hospitals like the Luxembourg City St. Zita Convent facility provide a wide range of healthcare services for Luxembourg's citizens.

Healthcare in Luxembourg is based on three fundamental principles: compulsory health insurance, free choice of healthcare provider for patients and compulsory compliance of providers in the set fixed costs for the services rendered. Citizens are covered by a healthcare system that provides medical, maternity and illness benefits and, for the elderly, attendance benefits. The extent of the coverage varies depending on the occupation of the individual. Those employed or receiving social security have full insurance coverage, and the self-employed and tradesmen are provided with both medical benefits and attendance benefits. [1] That is all funded by taxes on citizens' incomes, payrolls and wages. However, the government covers the funding for maternity benefits as well as any other sector that needs additional funding. [2] About 75% of the population purchases a complementary healthcare plan. [3] About 99% of the people are covered under the state healthcare system.

Contents

Funding Luxembourg's Health System

Income per person vs life expectancy for some countries in 2015 Gapminder Life Expectancy in high income countries.png
Income per person vs life expectancy for some countries in 2015
Life expectancy development in Luxembourg by gender Life expectancy by WBG -Luxembourg -diff.png
Life expectancy development in Luxembourg by gender

According to data from the World Health Organization (WHO), healthcare spending on behalf of the government of Luxembourg topped $4.1 Billion, amounting to about $8,182 for each citizen in the nation. [4] [5] The entirety of funding comes from domestic sources, where the government covers about 84% of healthcare funding with household expenditures covering the remaining costs. With the allocation of about 15% of total government expenditures toward health programs, the nation of Luxembourg collectively spent nearly 7% of its Gross Domestic Product on health, placing it among the highest spending countries on health services and related programs in 2010 among other well-off nations in Europe with high average income among its population. [6] As a whole, health expenditures take up a share of total GDP at 1.8 percentage points under the average across OECD nations. [7] Before healthcare reform took place in 1992, payment for healthcare services was based on a fee-per-service requirement, whereas now it is based on individual budgets negotiated between health insurance agencies and the hospitals at the nationwide level. [8] The state role at most consists of working with care providers for accreditation, and management of contracts. Citizens pay at most 5% of their annual wage into the nationwide coverage program.

Mutual Medico-Surgical Fund (CMCM)

As Luxembourg's primary voluntary health insurance program, the Cause Médico-Chirurgicale Mutualiste (Mutual Medico-Surgical Fund) covers a wide range of services for citizens such as [9]

Healthcare Organization and Access

Social Care

Currently in place is a law passed on September 8, 1998, between the state and non-governmental organizations, (NGO's) working in social care. [9] Independent NGO's work alongside the Ministry of Health and the Ministry of Family and Social Welfare as one of the widest sectors in government assistance, extending social care in Luxembourg to include services such as drug prevention activities, shelter for the country's homeless and resources for single parents, such as childcare and recreational-type activities. [9] Coverage for services deemed nonessential as part of compulsory health insurance frameworks is not only available, but widely utilized, with over 75% of the national population purchasing complementary health insurance to extend the range of care to non-useful services addressing non-threatening conditions. [9]

Insurance

The Statutory health insurance system in Luxembourg is responsible for the healthcare of 99% of its residents. This compulsory system of health insurance is managed and provided by the Union of Sickness Funds alongside 9 separate agencies among which the general population is distributed and allocated on the basis of the professional occupation they hold. All services rendered by professionals are defined and assessed under the Ministers of Social Security and Health. [10] The Voluntary health insurance program has typically been limited as a direct result of the compulsory public system that covers the majority of the population' debts for medical services.

Primary Challenges to National Health

The EU's "Alcohol Belt" where Alcohol transport policies have made Luxembourg a top consumer and hotspot for alcohol sales in the region Europe alcohol belts.svg
The EU's "Alcohol Belt" where Alcohol transport policies have made Luxembourg a top consumer and hotspot for alcohol sales in the region

Across Luxembourg one of the greatest problems to the nations's health has been the high number of deaths from non-communicable diseases such as cancer, diabetes, cardiovascular disease, and chronic respiratory diseases, arising from a variety of factors, though most notably from substance abuse. [12] Premature mortality as a direct result of NCD's has been a primary cause of death nationwide, with the probability of dying between the ages of 30 and 70 years at 11%, with cardiovascular disease, chronic respiratory disease, and cancer claiming the most lives among the middle-aged group . [13]

EU conference assessing cross-border alcohol transport policy. Conference- Cross-Border Aspects in Alcohol Policy - Tackling Harmful Use of Alcohol (37981110486).jpg
EU conference assessing cross-border alcohol transport policy.

Alcohol

Luxembourg boasts one of the highest levels of alcohol consumption among European nations, showcasing an average consumption rate of over 60% above the European average. [11] Alcohol policy within the EU has promoted high levels of consumption through low prices and wide availability. The mortality rate from alcohol-related causes is one of the highest among other European nations such as Slovenia, Croatia, and Finland, evidently a direct result of high levels of consumption as part of harmful drinking patterns among people in Luxembourg. Contributory to high consumption is a relatively cheaper cost of strong alcohol items such as grain alcohol. [14] According to OECD data, 35% of adults in Luxembourg in 2014 consumed large quantities of alcohol in one sitting. Alcohol abuse and dependency have accounted for a considerable share of the alcohol-related diseases observed in the cause of death among citizens . [7]

See also

Related Research Articles

Health care reform is for the most part governmental policy that affects health care delivery in a given place. Health care reform typically attempts to:

A health system, health care system or healthcare system is an organization of people, institutions, and resources that delivers health care services to meet the health needs of target populations.

Health insurance or medical insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.

Universal health care is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized around providing either all residents or only those who cannot afford on their own, with either health services or the means to acquire them, with the end goal of improving health outcomes.

Health care in Ireland is delivered through public and private healthcare. The public health care system is governed by the Health Act 2004, which established a new body to be responsible for providing health and personal social services to everyone living in Ireland – the Health Service Executive. The new national health service came into being officially on 1 January 2005; however the new structures are currently in the process of being established as the reform programme continues. In addition to the public-sector, there is also a large private healthcare market.

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<span class="mw-page-title-main">Healthcare in Germany</span> Overview of healthcare in the Federal Republic of Germany

Germany has a universal multi-payer health care system paid for by a combination of statutory health insurance and private health insurance.

<span class="mw-page-title-main">Healthcare in Russia</span> Overview of the health care system in Russia

Healthcare in Russia is provided by the state through the Federal Compulsory Medical Insurance Fund, and regulated through the Ministry of Health. The Constitution of the Russian Federation has provided all citizens the right to free healthcare since 1993. In 2008, 621,000 doctors and 1.3 million nurses were employed in Russian healthcare. The number of doctors per 10,000 people was 43.8, but only 12.1 in rural areas. The number of general practitioners as a share of the total number of doctors was 1.26 percent. There are about 9.3 beds per thousand population—nearly double the OECD average.

<span class="mw-page-title-main">Health care in Turkey</span> Overview of the health care system in Turkey

Healthcare in Turkey consists of a mix of public and private health services. Turkey introduced universal health care in 2003. Known as Universal Health Insurance Genel Sağlık Sigortası, it is funded by a tax surcharge on employers, currently at 5%. Public-sector funding covers approximately 75.2% of health expenditures.

Healthcare in Finland consists of a highly decentralized three-level publicly funded healthcare system and a much smaller private sector. Although the Ministry of Social Affairs and Health has the highest decision-making authority, the municipalities are responsible for providing healthcare to their residents.

The French health care system is one of universal health care largely financed by government national health insurance. In its 2000 assessment of world health care systems, the World Health Organization found that France provided the "best overall health care" in the world. In 2017, France spent 11.3% of GDP on health care, or US$5,370 per capita, a figure higher than the average spent by rich countries, though similar to Germany (10.6%) and Canada (10%), but much less than in the US. Approximately 77% of health expenditures are covered by government funded agencies.

<span class="mw-page-title-main">Health care in Spain</span> Universal health care system

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<span class="mw-page-title-main">Healthcare in Denmark</span>

Healthcare in Denmark is largely provided by the local governments of the five regions, with coordination and regulation by central government, while nursing homes, home care, and school health services are the responsibility of the 98 municipalities. Some specialised hospital services are managed centrally.

<span class="mw-page-title-main">Healthcare in Hungary</span>

Hungary has a tax-funded universal healthcare system, organized by the state-owned National Health Insurance Fund. While healthcare is considered universal, several reasons persist preventing Hungarian nationals to access healthcare services. For instance, a Hungarian citizen who lived abroad but is unable to show contributions to another country's healthcare system will not be able to access the Hungarian healthcare system free of charge. However, to the OECD, 100% of the total population is covered by universal health insurance, which is absolutely free for children, mothers or fathers with babies, students, pensioners, people with low income, handicapped people, priests and other church employees. In 2022 the cost of public health insurance is 8,400 HUF per month which is the equivalent of $23.69. The healthcare system underwent significant changes which also resulted in improving life expectancy and a very low infant mortality rate. According to the OECD Hungary spent 7.8% of its GDP on health care in 2012. Total health expenditure was $US1,688.7 per capita in 2011, US$1,098.3governmental-fund (65%) and US$590.4 private-fund (35%).

<span class="mw-page-title-main">Healthcare in Slovenia</span>

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This article provides a brief overview of the health care systems of the world, sorted by continent.

<span class="mw-page-title-main">Health in Latvia</span> Overview of health in Latvia

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<span class="mw-page-title-main">Health in Lithuania</span> Overview of health in Lithuania

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<span class="mw-page-title-main">Healthcare in the Czech Republic</span>

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References

  1. Boslaugh, Sarah (2013). Health Care Systems Around the World: A Comparative Guide. Thousand Oaks, CA: SAGE. p. 271. ISBN   9781452276205. Luxembourg has social insurance that provides medical benefits, cash maternity and sickness benefits, and attendance (assistance with daily living) benefits. Employees and social security beneficiaries are covered in the full system, while artists, farmers, and the self-employed are covered for medical and attendance benefits.
  2. Boslaugh, Sarah (2013). Health Care Systems Around the World: A Comparative Guide. Thousand Oaks, CA: SAGE. p. 271. ISBN   9781452276205. The system is financed through wage, income, and payroll contributions, with government general revenues covering maternity benefits and subsidizing other benefits.
  3. "Highlights on health in Luxembourg" (PDF). www.euro.who.int. WHO Regional Office for Europe.
  4. "World Health Organization Regional Office for Europe". www.euro.who.int. Retrieved December 3, 2017.
  5. "Health Expenditure and Financing". stats.oecd.org. Retrieved November 29, 2017.
  6. "Overview of the Healthcare System in Luxembourg". Health Management EuroStat. Retrieved December 1, 2017.
  7. 1 2 "Health Policy in Luxembourg" (PDF). www.oecd.org. March 2017. Retrieved December 1, 2017.
  8. "Health Technology Assessment in Luxembourg". www.cambridge.org. Retrieved December 2, 2017.
  9. 1 2 3 4 "Health Care Systems in Transition- Luxembourg" (PDF). www.euro.who.int/_data/assets. Retrieved December 4, 2017.
  10. "Organisation in Luxembourg". www.ec.europa.eu. Retrieved December 6, 2017.
  11. 1 2 Alcohol in the European Union : consumption, harm and policy approaches. Anderson, Peter, 1954-, Møller, Lars (Lars F.),, Galea, Gauden,, World Health Organization. Regional Office for Europe. Copenhagen Ø, Denmark. 2012. ISBN   9789289002646. OCLC   855332702.{{cite book}}: CS1 maint: others (link)
  12. "World Health Organization - Noncommunicable Diseases (NCD) Country Profiles , 2014" (PDF). www.who.int. Retrieved December 3, 2017.
  13. "World Health Organization Regional Office for Europe Luxembourg Data and Statistics". www.euro.who.int/en/countrues/luxembourg. Retrieved December 4, 2017.
  14. Rabinovich, Lila. "Further study on the affordability of alcoholic beverages in the EU" (PDF). https://ec/europa.eu/health/sites/health/files . Retrieved December 3, 2017.