Who pays for the care?
The short answer: in most cases the long-term care insurance. In Luxembourg this is the assurance dépendance — a compulsory insurance you have long been paying into. We explain how to obtain the benefits.
The path to the care insurance
Time passes between the application and the first visit. Worth knowing: benefits are granted retroactively from the date of application — so it pays to start early.
Apply
The application goes to the CNS (Caisse nationale de santé), together with a medical certificate. We help you fill it in.
Assessment
The AEC (Administration d'évaluation et de contrôle) visits you at home and determines how much help you actually need.
Decision
You receive a decision listing the approved services — in minutes per week, broken down by area.
Care begins
Nura provides the services and bills directly to the care insurance. You receive no invoice for these.
What is covered
The care insurance distinguishes between help with everyday activities and care prescribed by a doctor. Both can run at the same time.
| Area | What it covers | Basis |
|---|---|---|
| Help with everyday activities | Personal hygiene, elimination, nutrition, dressing, mobility — approved in minutes per week. | Care insurance (assurance dépendance) |
| Companionship and activation | Activities supporting independence, group or individual support, night watch. | Care insurance |
| Advice and training | Instruction for family carers, introduction to aids and equipment. | Care insurance |
| Care prescribed by a doctor | Injections, dressings, catheters, blood glucose, tube feeding, infusions — the actes infirmiers. | Health insurance (on prescription) |
| Equipment | Care bed, wheelchair, hoist, incontinence supplies and more. | Care insurance (applied for separately) |
| Household help | Cleaning, laundry, shopping. | Partly — depending on the decision, otherwise private |
To be honest: not everything is covered, and the extent depends on the decision. Before we start we tell you which part runs through the insurance and what you would have to pay yourself — in writing, so nothing on the invoice comes as a surprise.
Frequently asked questions
Do I need an approved application before you come?
No. We can start straight away and submit the application in parallel. Since benefits are granted retroactively from the date of application, applying early matters more than starting care early.
What does the first consultation cost?
Nothing. The conversation at your home is free and without obligation — even if you decide against us afterwards.
How long does the decision take?
That depends on the workload of the assessment authority and is out of our hands. We tell you honestly what to expect at the moment — and bridge the time if care is already needed.
Can I change care provider?
Yes. You are free to choose and may change at any time. The decision of the care insurance remains — it belongs to you, not to the provider.
What if my condition changes?
Then we adjust the care plan. If considerably more help becomes necessary, a reassessment can be requested — we support you with that too.
Will my family be informed?
Only if you want them to be. You decide who is informed — we record that in writing and stick to it.
This overview explains the usual procedure. It does not replace binding information from the CNS or the AEC — those authorities decide in individual cases. Ask us; where we are not certain, we say so.
We go through the application with you
Forms, deadlines, assessment — nobody has to manage that alone. Call us and we will sit down together.