Introducing the Healthcare Plan

logo mutuelleThe ALEBA Healthcare Plan was established on 20 October 1928, ten years after the union was founded (its original name was Sterbekasse des Luxemburger Bankbeamtenvereins or Association Luxembourgeoise des Employés de Banque – ALEB).

The articles of association were approved by the competent ministry under the name Caisse de décès de l’Association des employés de Banque on 11 July 1929. Shortly thereafter, it became a member of the Fédération Nationale des Sociétés Luxembourgeoises de secours mutuels (National Federation of Luxembourg mutual assistance companies – FSSM), which was founded on 6 July 1924 and is now the Fédération Nationale de la Mutualité Luxembourgeoise (National Federation of Luxembourg Mutual Assistance – FNML).

In 1964, in line with changes in the insurance sector, it was renamed the “Caisse de Décès de l’Association Luxembourgeoise des Employés de Banques et d’Assurances”. After ALEBA broke away from the Fédération des Employés Privés (FEP) in 1979, the Healthcare Plan, under the chairmanship of Eugène Storck, was renamed the “ALEBA Healthcare Plan”. In 1994, ALEBA’s new chairman Marc Glesener handed over the reins to Pierre Back, former secretary general of ALEBA.

Lastly, in 2001, on the instruction of the Conseil Supérieur de la Mutualité, the management of the union and the Healthcare Plan was separated. Under the chairmanship of Pierre Back, the Healthcare Plan is preparing to celebrate its 90th year as a Luxembourg healthcare insurer.


The ALEBA Healthcare Plan offers its members the following benefits:
– A flat-rate payment to legal heirs in the event of a member’s death

  • 250 Euro from the 11th year membership
  • 300 Euro from the 21th year membership
  • 350 Euro from the 31th year membership
  • 400 Euro from the 41th year membership

– Financial assistance in the event of serious illness, injury or disability
– The option of joining the Caisse Médico-Chirurgicale Mutualiste collective scheme, as well as the individual PrestaPlus, DentaPlus and OptiPlus schemes
(Healthcare Plan Compensation request/ Healthcare Plan Social Fund regulations / Healthcare Plan Dental care regulations)


  • Fédération Nationale de la Mutualité Luxembourgeoise

At the Ordinary General Meeting of the Fédération Nationale de la Mutualité Luxembourgeoise on 6 May 2017, representatives of the FNML’s 48 mutual assistance member companies were asked to appoint four members to sit on the Board of Directors, as well as a statutory auditor.

It is clear that the ALEBA Healthcare Plan and its level of competence within the FNML continue to be held in high regard, as its chairman, Pierre Back, was re-elected as vice-chairman and Alain Back was appointed to serve as statutory auditor.

  • Caisse Médico Complémentaire Mutualiste

At the Complementary Mutual Health Fund (Caisse Médico Complémentaire Mutualiste CMCM) conference on 4th June 2016 in Bettembourg, Fernand Fischer was re-elected to the board of directors. He received the highest vote of the seven candidates. He was then elected vice president of the CMCM at the subsequent board meeting.

  • Union des Caisses de Décès Mutualistes du Centre (Union of Death Benefit Mutual Funds of Central Luxembourg)

Here too, our chairman, Pierre Back, represents the ALEBA Healthcare Plan in his role as secretary-treasurer

These appointments are testament to Fernand and Pierre’s commitment to the mutual assistance cause and the excellence of their work at the CMCM and the FNML. They also demonstrate the high level of esteem in which ALEBA is held by all mutual assistance companies.

Congratulations to Pierre, Fernand and Alain.

Management Committee

The ALEBA Healthcare Plan Committee comprises:
Chairman  Gilbert Beffort
Vice-Chairmen  Nico Diedenhofen and Alain Back
Secretary  Jean-Claude Hinger
Treasurer  Christian Hoeltgen
Member  Pierre Back, Denise Berens, Fernand Fischer, Arsène Kihm

NB: the contribution to the ALEBA Healthcare Plan is included in the union subscription.


General Meetings

The 2019 General Meeting of the ALEBA Healthcare Plan was held in Munsbach on Friday 10 May 2019. Here is the report of the GM.



The 2018 General Meeting of the ALEBA Healthcare Plan was held in Munsbach on Friday 27 April 2018. At a well-attended meeting, the Healthcare Plan’s Committee presented its report on the 2017 financial year to the members present, describing its activity and the numerous initiatives carried out during the year. Here is the report of the GM.


The 2017 General Meeting of the ALEBA Healthcare Plan was held at the Légère Premium Hotel in Munsbach on Friday 7 April 2017. Here is a summary of the GM.


Latest news

Dates for the diary: 2018 ALEBA Centenary (1918)

2018 Jubilee general meeting to mark the 90th anniversary of the Healthcare Plan (1928)

2019 95th anniversary of the FNML (1924)


Jean-Claude HINGER honored

In tribute to his dedication to the mutualist cause, the Medal of Mutualist Recognition – Class of 2015 was awarded to him by President Pierre Back, representing the National Federation of the Luxembourg Mutuality.

Remise de la Médaille de la Reconnaissance Mutualiste