A person who has voluntarily registered for health and/or pension insurance receives an account statement each month with the amount of contributions to pay.
Contribution rate and amount
The contribution rates for voluntary insurance can be found in the following sections:
Payment/reimbursement of contributions
Account statements are sent 2 months after the month invoiced.
Example: the social security contributions for March are requested on the May account statement, the social security contributions for April on the June account statement, and so on.
The amount shown as 'overall balance' in the 'DEBIT' column must be paid within 10 days of the account statement being issued, even in case of a contestation.
If the 'overall balance' appears in the 'CREDIT' column, the balance is owed to the insured. They may opt for a full or partial reimbursement. Further information can be found in the 'Front of the account statement' section.
Useful information
- If the voluntary health insurance contributions are not paid for 2 months in a row, the insurance is terminated.
- If the voluntary pension insurance contributions are not paid within 3 months of the formal notice to pay, the insurance is terminated.
Completing transfer/payment orders
For the Social Security Centre (Centre commun de la sécurité sociale - CCSS) to be able to correctly record their payments, the instructing party must:
- clearly state the contributor's account number on the transfer or payment order; for voluntary insurance, this is the 13-digit national identification number followed by '30'.
Example: 19701231XXXXX30
- make a separate transfer/payment for each contributor's account.
Example: if the person has a contributor's account as an employer under the simplified procedure (for which their 13-digit national identification number is followed by '70') in addition to their contributor's account as a voluntarily insured person, they must make one transfer/payment for the 19701231XXXXX70 account and another transfer/payment for the 19701231XXXXX30 account.
| BANK | IBAN | BIC |
|---|---|---|
| Banque et Caisse d’Epargne de l’Etat, Luxembourg | LU83 0019 1002 0050 6000 | BCEELULL |
| BGL BNP Paribas S.A. | LU75 0030 1569 7866 0000 | BGLLLULL |
| Banque Internationale à Luxembourg S.A. | LU77 0029 1014 6730 0000 | BILLLULL |
| POST Luxembourg | LU09 1111 0706 0081 0000 | CCPLLULL |
| Banque Raiffeisen | LU79 0090 0000 0090 0001 | CCRALULL |
| ING Luxembourg | LU89 0141 9166 4000 0000 | CELLLULL |
To facilitate their payments, the person taking out voluntary insurance can opt to set up a direct debit for their social security contributions. Once the direct debit has been activated, the account statement states at the bottom of the page that the balance will be collected directly by the bank.
Account statement
Front of the account statement
The front of the account statement shows the statement date, previous balance, payments, social security contributions, manual transactions and any adjustments (e.g. regularisation of voluntary complementary pension insurance).
Back of the account statement
The back of the account statement shows the social security contributions itemised per social security cover for the given month ('contributions for the month of') and a breakdown of any adjustments for previous periods.
Overview of account statements
The overview of account statements (only provided on request) contains key details from the account statements, namely: the statement date, previous balance, payments, contributions, manual operations.
The person taking out voluntary insurance can order an account statement overview, which they will receive within 3 working days. It is sent to the person's address as registered with the Social Security Centre (Centre commun de la sécurité sociale - CCSS) ('Change of address').