Financial aid 2026
Financial aid for your stairlift in Luxembourg
In Luxembourg, several public subsidies can support a home adaptation project. Care Insurance covers the stairlift itself, while other grants can finance complementary works — bathroom adaptation, door widening, staircase modification.
At MPG, we know every scheme in detail. We have been guiding our clients through the process since 2006, and 75% of our installations receive financial support.
Here are the three subsidies available in 2026 and what each one covers.
Overview of the 3 subsidies
Care Insurance (AEC)
- For whom
- Anyone with a recognised mobility need
- Income
- No income condition
- Max amount
- 100% of the cheapest quote (based on 2 quotes)
- Coverage
- Functional technical aid
The most common subsidy — 75% of our installations
Special adaptation grant (disability)
- For whom
- Persons with a disability
- Income
- Thresholds by household
- Max amount
- €20,000 per person
- Coverage
- Up to 60% of adaptation works not covered by the AEC
Covers other adaptations (bathroom, doors, kitchen)
Home improvement grant (renovation)
- For whom
- Homeowners renovating a dwelling over 10 years old
- Income
- Thresholds by household
- Max amount
- 40% of the amount excl. VAT (capped at €35,000)
- Coverage
- Structural works (staircase, bathroom, railings)
Covers home adaptations, not the stairlift
1. Care Insurance (AEC)
Care Insurance is the most widely used scheme to finance a stairlift in Luxembourg. It is managed by the National Health Fund (CNS) and is not income-dependent.
If a healthcare professional determines that you need a stairlift to maintain your independence at home, the AEC covers the full cost — provided you follow the two-quote procedure.
The AEC classifies the stairlift as a "technical aid" under home care. The principle is straightforward: you must obtain two quotes from two different suppliers. The AEC covers 100% of the cheapest quote. If you choose the more expensive supplier, you pay the difference between the two quotes.
Advantages of the AEC
- 100% coverage of the cheapest quote
- No income requirement
- No minimum age requirement
- Covers the device and installation
- Well-established procedure
2. Special adaptation grant (persons with a disability)
This is the least well-known subsidy — yet very useful when your project goes beyond the stairlift. It is granted by the Ministry of Housing through the one-stop housing aid office.
This grant covers up to 60% of adaptation works that were not covered by Care Insurance. If the AEC finances your stairlift, the grant can finance other necessary adaptations: bathroom conversion, door widening, special equipment in the kitchen or bathroom.
Important: the two subsidies cannot cover the same works. A CNS certificate is required.
Who is eligible?
- an existing home that you are adapting
- a new home designed with special adaptations
The applicant must be of legal age and hold a right of residence in Luxembourg of more than 3 months.
Amounts and limits
| Maximum amount per person | €20,000 |
| Maximum cost coverage | 60% of the cost excl. VAT |
| Minimum invoice amount | €500 excl. VAT |
Income thresholds (2026)
The amounts below correspond to the average net income for 2024/2025:
| Single person | €45,100.92 |
| Household without children | €67,651.39 |
| Household with 1 child | €85,687.95 |
| Household with 2 children | €103,734.03 |
| Household with 3 children | €121,770.60 |
| Per additional child | + €13,532.18 |
How to apply
- Gather the invoices (€500 excl. VAT minimum per invoice)
- Complete the F2 form (Guichet.lu)
- Attach the household composition declaration (form L/A21)
- Submit your file to the one-stop housing aid office
Deadline: the application must be submitted within 2 years of the invoice date.
Official Guichet.lu link3. Home improvement grant (renovation)
The Home Improvement Grant is a renovation subsidy from the Ministry of Housing. It does not directly cover the stairlift, but it can finance the home adaptation works that often accompany the installation.
What it covers
The grant finances structural works in a dwelling that has been occupied for more than 10 years:
- Modification of the staircase (widening, reinforcement)
- Installation of railings and handrails
- Accessible bathroom installation
- Window installation or replacement
- Extension or addition of rooms
Amounts
| Maximum coverage | 40% of the amount excl. VAT |
| Overall capital aid ceiling | €35,000 per beneficiary |
| Minimum invoice amount | €500 excl. VAT |
Conditions
- The dwelling must be located in Luxembourg
- The dwelling must have been occupied for at least 10 years
- The dwelling must remain your main residence for at least 2 years after the grant
- The same income thresholds as the special adaptation grant apply
Worked example: how much will you pay?
Take the example of a complete home adaptation project for a person with a disability, in a two-person household without children with an average net income of €55,000/year.
Scenario 1: Stairlift only — AEC
You obtain two quotes for a stairlift. MPG quotes an Otolift Modul-Air Smart at €9,500 excl. VAT. A competitor quotes a solution at €8,800 excl. VAT. The AEC covers the cheapest quote.
| Chosen quote (MPG Otolift) | €9,500 |
| 2nd quote (competitor) | €8,800 |
| AEC coverage (100% of cheapest quote) | – €8,800 |
Scenario 2: Stairlift + bathroom adaptation
In addition to the stairlift, a bathroom adaptation is needed (walk-in shower, grab bars, raised toilet) for €5,000 excl. VAT.
| Stairlift (AEC) | – €8,800 |
| Stairlift remainder | €700 |
| Bathroom (disability grant, 60%) | – €3,000 |
| Bathroom remainder | €2,000 |
Scenario 3: Full project with structural works
If the dwelling is over 10 years old and structural works are also needed (staircase widening for €4,000 excl. VAT), the Home Improvement Grant can cover up to 40% of these works.
| Stairlift (AEC) | – €8,800 |
| Bathroom (disability grant, 60%) | – €3,000 |
| Structural works (improvement grant, 40%) | – €1,600 |
Grant amounts depend on your family situation and income. The AEC covers 100% of the cheapest quote based on two quotes.
MPG guides you through every step
Since 2006, we have supported more than 2,000 Luxembourg families with their stairlift installation. We know every subsidy scheme in detail and guide you from first contact to installation.
What we do for you
- ✓Free home assessment to determine the right solution
- ✓Identification of the subsidies you are entitled to
- ✓Preparation of quotes compliant with AEC requirements
- ✓Support with administrative procedures
- ✓Installation by our certified technical team
- ✓After-sales service 24/7
Frequently asked questions
Can I use Care Insurance and the special adaptation grant in the same project?
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Yes, but not for the same works. The AEC covers the stairlift, and the grant can finance other adaptations (bathroom, doors, kitchen) that the AEC did not cover. A CNS certificate is required to prove that the works in question were not covered by the AEC.
How long does it take to receive the subsidies?
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Care Insurance processes applications within a few weeks after the home assessment. For the special adaptation grant, allow 2 to 3 months after submitting the complete file. MPG can start the installation as soon as AEC approval is received, without waiting for the grant.
Does MPG handle the paperwork?
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We guide you through every step. We prepare AEC-compliant quotes, help you compile the grant file, and coordinate timelines so that the installation happens under the best conditions.
My income exceeds the thresholds. Am I still entitled to aid?
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Care Insurance has no income condition. Even if you exceed the thresholds for the special adaptation grant or the Home Improvement Grant, you are still entitled to coverage through the AEC.
Why does the AEC require two quotes?
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The AEC requires two quotes from different suppliers and covers 100% of the cheapest one. If you choose the more expensive quote, you pay the difference. That is why we help you obtain a second quote.
Is this aid only for homeowners?
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The special adaptation grant can be awarded for both owned and rented dwellings under certain conditions. Care Insurance is available to everyone, regardless of whether you are an owner or a tenant.
