La Luxembourgeoise Assurances Insurance Plans

Insurance Plans Available from LALUX Assurances

LALUX is one of Luxembourg’s most trusted insurers, offering a broad range of modular and bundled insurance options. Here’s everything they offer—perfect for families, expats, and anyone wanting complete coverage.

🛡️ 1. easyLIFE – Life Insurance & Savings Plans

LALUX’s easyLIFE line includes several purpose-driven life insurance products:

• easyLIFE Pension – Supplementary pension:

  • Two options: guaranteed capital or investment fund-based, with notable tax savings(lalux.lu).

• easyLIFE Foresight – Pure life cover:

  • Provides financial protection for loved ones or ensures business continuity in case of death.

• easyLIFE Education – For securing your child’s future:

  • Endowment plan with guaranteed returns.

• easyLIFE Mixed – Blend of savings + protection with tax advantages.

• easyLIFE Invest for Future – ESG-focused savings:

  • Offers responsible investment options with optional capital protection.

• easyLIFE Mortgage / Solde Restant Dû – Mortgage protection:

  • Covers the outstanding loan in case of death.

• easyLIFE Study Cover – Guaranteed savings for students, no medical checks, paid as a quarterly annuity.

---

🏠 2. easyPROTECT Home – Home & Liability Insurance

This is LALUX’s flagship non-life product:

• Multi-risk home coverage – For owners or tenants, available in Sécurité, Confort, or Performance tiers.

• Covers fire, water damage, storm, natural hazards, theft, vandalism, broken glass.

• Modular add-ons include:

  • Personal civil liability

  • Legal protection, high-value items (e.g., jewelry, art, electronics)

  • Second-home, eco features (solar panels, pools, e‑bike cover), rehousing costs.

• LALUX’s easyPROTECT bundle lets you combine home, car, liability, legal, accident, and travel under a single policy.

---

🚗 3. easyPROTECT Auto – Car & Vehicle Insurance

Also part of the bundled easyPROTECT brand, tailored to your mobility needs:

• Three tiers: Sécurité, Confort, Performance.

• Includes top assistance, glass breakage, storms, animal collisions, theft, fire.

• Performance tier adds full casco coverage with zero deductible for at-fault material damage and bonus protection.

• Offers a replacement vehicle: up to 5 days after breakdown, 15 days post-accident, 60 days after theft.

• Extra options include driver cover, luggage protection, and eco cover for electric vehicles.

---

🌍 4. easyPROTECT Travel & Accident Insurance

• easyPROTECT Accident – 24/7 accident cover:

  • Death, permanent disability, temporary incapacity, hospital costs, medical expenses.

• Travel Pack – Annual travel coverage:

• Trip cancellation, luggage loss/damage, rental vehicle excess, medical repatriation, 24h support.

🏥 5. Health & Hospitalisation Insurance

LALUX partners with DKV Luxembourg to offer:

• Supplementary health and hospital coverage beyond the basic system.

• Available for individuals and families, including expats.

---

🐴 6. Specialty & Other Covers

• easyPROTECT Discover – Ideal for students abroad: covers accommodation, liability, electronics, and medical emergencies.

• Horse Insurance – Full coverage for equestrian needs.

• Construction Insurance (APROBAT) – Protects building sites up to 10 years post-completion.

• Comprehensive Family Legal Protection – Covers legal advice, court costs, mediation.

---

📱 7. Digital Tools & Customer Support

• easyAPP mobile app: manage policies, file claims, contact agents.

• Network of ~700 multilingual agents, praised for local service.

• Bundled contract discounts: combining policies brings money savings along with convenience.

---

💬 Real Voices from Users

Local forum users often recommend LALUX for:

“Their agents and staff is local only (no foreign call center)… Prices are fair.”
“LALUX are the best… I use LALUX :) not bad prices for me.”

---

✅ Summary Table – LALUX Insurance at a Glance

Category	Product	Highlight
Life & Savings	easyLIFE Pension, Foresight, etc.	Retirement, education, mortgage, ESG savings
Home & Liability	easyPROTECT Home	Modular: Sécurité/Confort/Performance + high-value covers
Auto & Mobility	easyPROTECT Auto	Full casco, assistance, replacement car, eco features
Accident	easyPROTECT Accident	24/7 injury protection, hospital cover
Travel	Travel Pack	Cancellation, luggage, medical, repatriation
Health	DKV Luxembourg plans	Hospital, outpatient, dental, etc.
Specialty	Student, Horse, Legal, Building	Tailored insurance for niche needs
Digital & Service	easyAPP + local agents	Manage all in one place; strong local backing

---

🧠 My Final Take

LALUX stands out because of its bundled easyPROTECT suite, letting you group multiple policies into one contract. That level of modularity, combined with strong digital tools and local agent support, makes managing insurance simple and efficient.