Discover our health policies specifically designed for expats
Foyer Global Health’s expat health insurance protects your health 24/7 wherever you are – in Europe and around the world. It provides access to european and international medical services, and is fully designed to suit the needs of expats and globally mobile people.
We are experts in global health coverage in Europe and elsewhere in the world
24/7 multilingual support
We make sure that you get the high-quality medical assistance you deserve
International coverage for you and your family
Best-in-class and comprehensive health coverage everywhere you go
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The healthcare system in Europe
Almost all European countries have their own public health care system. They ensure that all individuals have easy and affordable access to hospitals, general practitioners, medicines and health services. These resources and institutions work together to promote and protect the health of the population, aiming to prevent illness and injury. Depending on your health needs, subscribing to a health insurance or supplementary insurance allows you to be partially or fully reimbursed, depending on the coverage and the conditions of admission. For serious illnesses and emergencies, you can call 112, the European Union’s universal emergency number. For minor problems, on-call pharmacies are open in most cities, sometimes 24 hours a day.
Although standards in Europe are generally quite high, the private sector is booming as people seek shorter waiting times, better facilities and a wider choice of doctors. If you are expatriating to Europe for a long period of time, local insurance is usually not enough to provide you with comprehensive health coverage. This is why you should consider other options such as European health insurance or expatriate health insurance.
It is important to know that expatriate health insurance is part of a private plan, which covers necessary medical treatment. It can vary depending on the insurance plan and the country in which the person lives. It is generally more comprehensive than travel insurance and can be customized to the specific needs of an individual or family.
About the refund
Please note that you can submit a claim for reimbursement after paying medical expenses with foyer global health, through our online portal, by email or by mail.
Prior to reimbursement, your claim will be reviewed and verified to ensure that it meets the terms of your policy. If your claim is approved, you will be reimbursed for covered medical expenses based on the terms and conditions of your insurance plan and the specific benefits to which you are entitled. Please ensure that you meet all the requirements of your policy to qualify for reimbursement. And please keep all receipts and invoices for your medical treatment, as you will be asked for them when submitting your claim.
As an expat, it is important to ensure that you have a valid health insurance card to guarantee access to quality health care while living abroad.
It is important to compare rates to find the best deal in terms of coverage and cost.
For any additional information regarding the requirements for subscribing to a private insurance coverage, you can contact your insurer to find the best possible alternative.
Who is European health insurance suitable for?
- For all expats, digital nomads, globally mobile citizens living and working outside of their home country for a long-term period
- For all people who stays in Europe and abroad for a year or more
- For all active people, students, families, EU officials, entrepreneurs, self-employed people who need a complete peace of mind during their stay abroad
What are the benefits of an European health insurance?
- Easy and quick claims procedure via the online client portal
- Reimbursement of all expenses (hospitalization, treatment…) related to Covid-19, without any limit
- Medical assistance benefits such as evacuation and repatriation, in case of illness or emergency
- Transparent communication and clear information
- Teleconsultation available 24/7 without any additional cost
- Second medical opinion from the best specialists worldwide
Foyer Global Health offers different levels of coverage so you can choose the plan that suits the best your particular needs. Here is a non-exhaustive list of what is covered with our plans in Europe and abroad:
Accommodation in a private or semi-private room, consultations, hospital charges, surgery and anesthetics, drugs and dressings, physiotherapy (including massages), cancer treatment, maternity care, newborn care, inpatient psychotherapy.
Consultations, chemotherapy, oncological drugs and treatment, acupuncture, homeopathy, osteopathy, health checks, midwife services, psychotherapy, vaccinations, eye test and vision aids.
Check-ups, X-rays, surgery and extractions, prostheses, bridges and crowns, implants.
What is the cost and duration of a Foyer Global Health Insurance Plan?
An European insurance plan with Foyer Global Health is effective for at least one year. In most instances, the contract ends once the people have returned to their country of origin. You can choose at which frequency you want to pay the insurance premium (monthly, quarterly, annually) and the method of payment you prefer. This latter will vary depending on the age, the coverage area, the level of coverage, the deductible…
Why Foyer Global Health?
Foyer Global Health is the health insurance company 100% specialized on expat. It is part of the Foyer Group, based in Luxembourg, one of the most exciting cities in Europe for expats with almost half of the population made up foreigners. We are true experts in expat health insurance for expats, with customers from all over the world. Our health plans are the result of decades of experience with european and foreign customers.
Whenever you are you will benefit from our comprehensive medical assistance and services.
You can have access to all health providers around the world and in case of emergency, you can be provided with a list of local medical care with multilingual specialists. Our second medical opinion and teleconsultation services are completely free. Guarantee of payment (GOP) and advance payment are available.
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