Petitions to the Chamber of Deputies

OBJECT : Au Luxembourg, en matière civile, chacun assume ses propres frais de justice, tandis qu'en Allemagne, la partie qui perd le procès doit supporter l'ensemble des frais de procédure. Bien que l'objectif au Luxembourg, tout comme en Allemagne, soit de permettre un accès aussi libre que possible de toutes les couches de la population aux institutions judiciaires, les coûts de procédure ont une influence certaine sur le déroulement des litiges, ce qui dissuade souvent les personnes à revenus normaux d'aller en justice. Un système tel qu'en Allemagne, où le perdant du litige prend en charge les frais de procédure, pourrait également être appliqué au Luxembourg. Ainsi, le « petit citoyen » aurait lui aussi une meilleure chance de faire valoir ses droits, plutôt que d'avoir à supporter ses propres frais de justice, même s'il obtient gain de cause devant le tribunal. Un avantage du système allemand est que celui qui est dans son droit et gagne obtient généralement le remboursement de ses frais (y compris les frais d'avocat) par la partie adverse. Un inconvénient est que des montants litigieux élevés peuvent entraîner des coûts considérables. Mais c'est la même chose au Luxembourg.

OBJECT : The purpose of this petition is to introduce, in Luxembourg, a legal framework for collective supplementary health insurance for employees in the private sector. This framework should provide for the following principles: 1. An obligation, for companies reaching a minimum employee threshold, to offer their employees collective supplementary health insurance; 2. A minimum employer contribution of 50% of the cost of the employee's basic coverage; 3. For companies with more than 100 employees, the possibility to offer three different levels of coverage adapted to employees' needs, provided that the price of the highest level does not exceed more than 100% above the lowest level; 4. Freedom of choice for employees, including: * joining the basic coverage; * optional extension to family members under negotiated conditions; * the possibility of exemption, exclusively where equivalent coverage already exists, notably through a spouse, another employer or a foreign scheme; 5. Tax neutrality, ensuring that the share paid by the employee benefits from tax treatment at least equivalent to that applicable to individually subscribed supplementary health insurance; 6. Adaptation according to company size, in order not to impose disproportionate administrative burdens on small and medium-sized enterprises; 7. Early application or specific mechanisms for companies employing staff in risk-related positions or under particularly demanding working conditions. These measures aim to improve access to healthcare, reduce household financial burden, strengthen fairness between employees, and reconcile social protection with economic competitiveness.

OBJECT : Therefore, we call on the Government to amend the legal framework so that: • the price for heating oil shall apply as a maximum price, which is fixed at the time of the order; • "upon delivery" pricing in the consumer sector is excluded if it would result in an increase in price; • Price clauses that lead to price increases after the order is placed for heating oil are no longer permitted. We ask the Chamber of Deputies to consider these demands and to initiate the necessary legislative steps.