per child, per member parent.
Financial support to welcome your child with peace of mind.
Healthcare solidarity in everyday life, up to per year.
We reimburse what the CNS doesn't, so you're never left paying out of pocket.
50% bonus after 20 years of membership, up to .
Protect your loved ones when it matters most.
Per child and per parent member: An immediate payment to get you started.
Why?
Having a child turns your life upside down...and your budget.
The Birth Allowance embodies our commitment to solidarity:
Simple financial support so that your initial expenses
(supplies, medical care, administrative tasks)
don’t weigh on this precious time.
Start this new adventure with peace of mind:
CGPM is already here to support you.
Amount:
€387.22
(Index 968.04). Automatically adjusted in line with the national cost-of-living index.
Double payment:
If both parents are members, each parent receives the allowance.
Multiple births & adoption:
The allowance is paid for each child.
Valid for:
Multiple births and adoption of a child under 4 years old.
Simple process:
Just submit the official document:
Birth certificate, Adoption certificate,
or, where applicable, stillbirth certificate.
Payment:
Payment is made within 20 working days after receiving the required document.
Healthcare, Physiotherapy & Ambulance Services: Solidarity in Healthcare, Every Day.
Why?
Because healthcare costs add up.
Consultations, treatments, physiotherapy...
Even after CNS reimbursement, expenses remain.
That’s where CGPM comes in.
Up to
€2,904.12
per year
Medical expenses:
When your healthcare costs — partially reimbursed by the CNS (National Health Fund) —
exceed the annual threshold of
€338.80
(shared with your dependent children and, if applicable, your partner),
CGPM reimburses
30% of your remaining out-of-pocket expenses,
up to
€2,904.12
per member, per year.
Physiotherapy:
Your physiotherapy sessions are covered from the first euro (€1).
CGPM reimburses
30% of the remaining amount at your expense,
with no initial threshold applied.
Ambulance & emergency transport:
For transport in Luxembourg and abroad,
CGPM covers
100% of your remaining costs from the first euro,
up to
€580.82
per beneficiary, per year.
Indexation:
Thresholds, reimbursement limits and contributions evolve together.
They are automatically indexed to the National Index (cost-of-living index),
ensuring long-term fairness and consistency.
50% after 20 years of membership: Up to €4,318.43 in financial assistance.
Why?
The CGPM Death Benefit provides immediate, tangible support: a gesture of solidarity that reflects our values of responsibility and inclusion toward each member and their family. The CGPM looks out for your loved ones.
Because your family needs to be able to focus on what matters most:
coming together, remembering, and moving forward.
Amount:
50% after 20 years of membership, up to
€4,318.43
per member, automatically indexed.
Payment:
One-time payment, tax-free.
Paid within 20 working days after receiving all required documents.
Plan-based benefit:
The amount depends on the plan selected at the time of membership. (Intro – Mid – Sup)
Purpose:
To cover initial funeral expenses or provide immediate financial support to your loved ones.