In 2025, the National Health Fund (CNS) estimates that 10,530 dependent people will be cared for at their homes and 5,530 in care and assistance living facilities. Photo: Shutterstock

In 2025, the National Health Fund (CNS) estimates that 10,530 dependent people will be cared for at their homes and 5,530 in care and assistance living facilities. Photo: Shutterstock

Next year, the National Health Fund (CNS) plans to cover 986,800 people under the long-term care insurance scheme and to provide care at home or in nursing homes for 16,060 insured persons.

The board of directors of the National Health Fund (CNS) approved the 2025 budget for long-term care insurance on 16 December. For 2025, the financial situation will be "stable", according to the CNS, which forecasts a positive current account balance of €34.3m. The overall reserve is estimated at €587m, or 54.3% of current expenditure. These figures are calculated on the assumption of 2.7% growth in GDP, 1.5% growth in employment and a 2.3% increase in the sliding scale of salaries and average contributory income.

In 2025, the long-term care insurance system will cover around 986,800 people, two-thirds of whom will be residents and one-third non-residents. The estimated number of dependants cared for at home is expected to rise by 4.7% to around 10,530. The average number of beneficiaries in care homes is estimated at around 5,530, an increase of +1.5%.

Stability assured in the short and medium term

In 2024, the balance on current operations is expected to reach +€71.6m after closing the accounts. "The positive result for 2024 is mainly due to the impact of the fall in the 2023/2024 payment rates, as well as to the partial repayment of overpayments made by service providers since 2018, as identified during audits carried out by the CNS," stated the organisation, the grand duchy’s primary public health insurer. It pointed out that the balance calculated for 2025, while lower, "results from the application of the new monetary values for the 2025/2026 period, as well as from the failure to take into account any additional refunds from providers as a matter of prudence".

“With a positive projected result and a high reserve, the long-term care insurance sector is in a stable financial position up to 2028, and is therefore well equipped to meet growing needs in the short and medium term,” stated , who chairs the CNS board of directors. “Nevertheless, we must not underestimate the future needs of a young protected population, and it is essential to invest now in promising initiatives in the areas of prevention, digitalisation and efficiency," In fact, the ratio of the overall reserve to current expenditure should fall from 55.4% in 2024 to 54.3% in 2025.

For the record, 60% of long-term care insurance is funded by contributions from policyholders and 39% by the state, which accounts for 40% of current expenditure.

Read the French-language version of this news report /

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