Top 10 Largest Insurance Companies in Luxembourg for Expats
July 31, 2025 | by ltcinsuranceshopper



The financial centre of Luxembourg attracts international workers and families, who seek reliable insurance companies that offer language support, cross‑border flexibility, and global cover.
In 2025, these top 10 insurance companies in Luxembourg for expats lead by premium size, product range, and expat‑friendly services.
Whether you’re searching for “best expat insurance Luxembourg”, “largest Luxembourg insurers for expats 2025”, or “international health and life cover Luxembourg”, this guide is designed to help.
Below are the largest insurance companies in Luxembourg for expats in 2025:
1. Foyer S.A.
Background: Founded in 1922 in Leudelange, Foyer is one of Luxembourg’s oldest and most trusted insurers. It’s listed on the LuxX index and serves both private and corporate clients.
Policies for expats:
- Life, health, and car insurance
- Home, liability, and travel cover
- Group and corporate life products
Why Expats Choose Foyer in Luxembourg
Strong local presence, multilingual agents, and responsive claims service are major draws. Expats often recommend Foyer for solid coverage and ease of communication.
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2. AXA Luxembourg
Background: AXA Luxembourg combines global strength with local presence. It’s part of a global group founded in 1816 and offers both life and non‑life products in Luxembourg.
Policies for expats:
- International health and life plans
- Car, home, and liability insurance
- Multilingual customer support and digital access
Why Expats Rely on AXA:
The firm supports English-speaking customers and tailors plans for international families. Their flexible cover and fast digital claims appeal to expats.
3. Bâloise Assurances Luxembourg
Background: Part of the Swiss Bâloise Group, this insurer has served Luxembourg for over a century. It is praised for Swiss reliability and cross‑border expertise.
Policies for expats:
- Home, car, and accident insurance
- Private health top‑ups and liability cover
- Business and expatriate packages
Why Bâloise Assurances Fits Expats in Luxembourg
Strong customer satisfaction and clear product terms make Bâloise a stable choice. Their claims handling is frequently rated highly.
4. La Luxembourgeoise (LALUX)
Background: LALUX is a proudly domestic brand, widely known for affordable and personalized service in property, home, and auto insurance.
Policies for expats:
- Tenant, home, and car cover
- Supplemental pensions
- Online tools in French, German, and English
Why Expats Opt for LALUX
Though cost‑effective, they offer strong local service and fast agent access. Expats cite LALUX’s reliability and Canton‑like flexibility.
5. Cardif Lux Vie (BNP Paribas Cardif)
Background: Cardif Lux Vie is part of BNP Paribas Cardif, a bancassurance specialist. It serves international clients with investment‑linked and life products.
Policies for expats:
- Life insurance and savings policies
- Creditor and investment‑linked protection
- Expat‑tailored wealth planning
Why Expats Choose Cardif
They deliver global flexibility and investment‑centric cover. Expat professionals often prefer Cardif for wealth structuring and international portability.
6. Lombard International Assurance
Background: Established to serve high‑net‑worth individuals, Lombard offers bespoke cross‑border life insurance and wealth structuring.
Policies for expats:
- Private placement life policies
- Estate planning and trust solutions
- Multi‑jurisdictional investment wrapper plans
Why Expats Trust Lombard
Highly personalized service and global expertise make Lombard ideal for expats with complex financial needs.
7. Swiss Life (Luxembourg) S.A.
Background: Swiss Life International has a Luxembourg hub serving high‑net‑worth clients across Europe. Founded in 1857, Swiss Life is a life and pensions leader.
Policies for expats:
- Retirement and pension plans (pillar 2 and 3)
- Trauma and disability cover
- Legacy and wealth accumulation
Why Expats Go for Swiss Life
Known for strong advisory and long‑term planning, Swiss Life offers peace of mind and robust financial legacy products.
8. Allianz Life Luxembourg S.A.
Background: Part of the global Allianz Benelux network, Allianz Life Luxembourg delivers life and non‑life solutions for local and international clients.
Policies for expats:
- Life insurance and savings plans
- Private health top‑ups and global travel insurance
- Corporate expatriate benefits
Why Expats Choose Allianz
Global strength with local presence, Allianz provides tailored expat packages and English-speaking support.
9. Generali Luxembourg
Background: Generali Luxembourg is the local arm of Italy’s Generali Group. It serves both individuals and businesses with flexible, multilingual products.
Policies for expats:
- Life, health, and property insurance
- Savings products and investment-linked plans
- Expat-friendly group packages
Why Expats Pick Generali Luxembourg
Generali is valued for personalized advice, multilingual support, and custom coverage adapted for expat life.
10. AIG Europe S.A. (Luxembourg)
Background: AIG’s Luxembourg branch provides corporate and non‑life risk solutions. As part of AIG Group, it offers global capability and local underwriting.
Policies for expats:
- Professional liability and corporate coverage
- Travel, accident, and personal property
- Captive insurance services for multinationals
Why Expats Find AIG Useful
Expats working in global firms or finance sectors benefit from AIG’s global risk expertise and corporate products.
Market Context for Expats
Luxembourg’s insurance industry is robust. The gross written premiums in Luxembourg exceeded €55 billion as of 2023, with the presence of major global groups and captive reinsurers.
Regulatory clarity under Solvabilité II ensures consumer protection, while expat clients benefit from multilingual service, tailored products, and global access.
Expats typically access public healthcare through CNS, but often supplement it with private cover from Allianz Care, Cigna Global, IMG, and others. These providers support evacuation, global medical networks, and faster access, key for expats.
Factors to Consider When Choosing an Insurance Company in Luxembourg
1. Reputation and Financial Stability of the Insurance Company
As an expat in Luxembourg in 2025, one of the first things you should evaluate when choosing an insurance company is its reputation and financial strength. An insurance provider with a long-standing presence in Luxembourg, solid client reviews, and high ratings from regulatory bodies like the Commissariat aux Assurances (CAA) is a safe bet.
Financial stability means the company can pay out claims when needed. This is an important factor for expats who might be unfamiliar with the local dispute resolution system. Look for names like Foyer, Bâloise Assurances, AXA, and La Luxembourgeoise, which are known for their credibility.
2. Multilingual Customer Support and Policy Flexibility
For many expats, language barriers can create friction during claims or while understanding policy documents. Prioritize insurance companies in Luxembourg that offer multilingual support in English, French, and German.
Also, ensure they allow flexibility to adjust coverage as your situation changes. For example, when your work permit, visa status, or family size changes. Some insurers also offer tailored expat packages that combine car, home, and health insurance into a single plan for convenience and cost-efficiency.
3. Digital Access and Global Coverage Options
In 2025, digital access is more important than ever. Choose an insurer that offers a user-friendly mobile app or client portal. This will allow you to submit claims, access documents, or update personal details from anywhere.
If you travel frequently or split your time between countries, ask about international coverage or cross-border benefits. Not all insurance companies in Luxembourg extend policies beyond the country, so ensure your needs as a mobile expat are covered.
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Final Thoughts
The insurance market in Luxembourg offers foreigners a mix of trusted local insurance companies (Foyer, LALUX) and global brands (AXA, Allianz, Swiss Life) that deliver multilingual service, cross-border flexibility, and comprehensive coverage.
Cardif Lux Vie and Lombard suit those needing wealth structuring. Generali balances tailored products with local accessibility. And AIG Luxembourg supports high-exposure corporate and travel risk needs.
In 2025, these companies rank among the top Luxembourg insurance firms in Luxembourg by market size, product depth, and alignment with expat lifestyles. Luxembourg remains a secure, efficient hub for international protection thanks to regulatory strength and innovation.
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