With Foyer Global Health

Top-up health insurance for cross-border commuters

As a cross-border commuter, you have the possibility to receive treatment both in Switzerland and in your country of residence. Your Helsana coverage provides you with basic services in Switzerland and France in accordance with the respective statutory benefits. The EPION complementary coverage takes care of the rest.

 

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Reimbursement remaining cost at 100% after participation of statutory insurance
Reimbursement cost at 80% if no participation of statutory insurance

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Inpatient treatments

- treatments in Switzerland and in your country of residence without a financial limit or limitation in duration
- urgency treatments in Europe and during the 12 first weeks of travelling outside of Europe
- possibility to exclude treatments in Switzerland for an advantageous premium
- limited participation for inpatient treatments voluntarily executed in Europe

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Outpatient treatment

- treatments in Switzerland and in your country of residence*
- urgency treatments in Europe and during the 12 first weeks of travelling outside of Europe
- limited participation for treatments voluntarily executed in Europe*
- alternative medical treatments / glasses and lenses within the defined limits
- vaccinations, therapeutic aids and appliances, etc.*

* in case of non-participation of statutory insurance, reimbursements are limited to 80%, with a maximum of EUR 1’000.00 per underwriting year

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Dental services

- Basic dental treatments, including two dental check-ups per year of insurance (scale-and-polish cleaning, fillings, extractions, root canal treatment)
- Major dental treatments (crowns, inlays, prosthetics, implants) within the limits in accordance with the underwriting years (from EUR 1’000.00 to EUR 4’000.00 starting from the fourth underwriting year)

in case of non-participation of statutory insurance, reimbursements are limited to 80%, a waiting period of 10 months applies in general

Excellence made in Luxembourg, since 1922

Foyer Global Health is the specialist expatriate brand by Luxembourg’s leading insurance company Foyer Group. Our health plans are the result of decades of experience with customers from all over the world. We offer first-class cover in combination with comprehensive medical services.

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Epion

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EPION is the right choice for you if you want to have freedom of choice to get first quality treatment in your country of residence or Switzerland

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The selected country may be excluded from our coverage for various reasons.
Unfortunately, we do not insure people over 65.

Options

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    Inpatient treatments

    Inpatient treatments
    Reimbursement at 100% in complement to statutory insurance
    Reimbursement limited to 80% if no participation of statutory insurance
    In region 2, inpatient treatments are excluded in Switzerland, but are available in Europe.
    Epion
    General hospital treatment and accommodation and care in a single or twin-bed room icon check
    Medical treatments (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) icon check
    Hospital costs, including operating room, intensive care and laboratory icon check
    Surgery and anaesthetics icon check
    Outpatient surgery instead of inpatient treatment icon check
    Drugs and dressings icon check
    Physiotherapy, including massages icon check
    Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy icon check
    Therapeutic aids and appliances icon check
    Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital icon check
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    A waiting period of 10 months applies
    Complications of pregnancy and childbirth icon check
    icon check
    A waiting period of 10 months applies
    New-born care icon check
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    Specific criteria apply, please consult the Special Conditions
    Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer icon check
    Bone marrow and organ transplants (costs for donor and receiver) icon check
    Inpatient psychotherapy icon check
    icon check
    A waiting period of 10 months applies
    Parent accommodation during inpatient treatment of a minor child up to 12 years icon check
    Nursing care at home and domestic help, instead of a hospital stay icon check
    Inpatient follow-up rehabilitation icon check
    Transport to the nearest suitable hospital for initial treatment following an accident or an emergency icon check
    This document is for information purposes only and is not legally binding.
    All mentioned benefits are applicable in accordance with the EPION Special Conditions
  • icon

    Outpatient treatments

    Outpatient treatments
    Reimbursement at 100% in complement to statutory insurance
    Reimbursement limited to 80% if no participation of statutory insurance, with a maximum of EUR 1’000 per underwriting year
    Epion
    Medical treatments (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) icon check
    Chemotherapy, oncological drugs and treatment icon check
    Maternity care and childbirth, services of a midwife or obstetric nurse icon check
    icon check
    A waiting period of 10 months applies
    Complications of pregnancy and childbirth icon check
    icon check
    A waiting period of 10 months applies
    Speech therapy icon check
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    Provided that we have agreed in writing to pay benefits before treatment commences
    Outpatient psychotherapy icon check
    icon check
    Provided that we have agreed in writing to pay benefits before treatment commences, a waiting period of 10 months applies
    Drugs and dressings icon check
    Physiotherapy, including massages icon check
    Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy icon check
    Therapeutic aids and appliance icon check
    icon check
    Specific limits apply, please consult the Special Conditions
    Transport to the nearest suitable hospital for initial treatment following an accident or an emergency icon check
    Alternative therapies and treatments
     
    Treatment by a naturopath: 1’250 EUR per underwriting year and insured person icon check
    Treatment by an osteopath: 1’250 EUR per underwriting year and insured person icon check
    Treatment by a chiropractor: 1’250 EUR per underwriting year and insured person icon check
    Treatment by a physician practicing traditional Chinese medicine: 1’250 EUR per underwriting year and insured person icon check
    Prescribed drugs in the context of the above-mentioned therapies: 1’250 EUR per underwriting year and insured person icon check
    Optical Treatments
     
    Glasses and contact lenses, including an eye test: 300 EUR per underwriting year and insured person icon check
    LASER surgery: 1’000 EUR for the pair of eyes, once per lifetime of contract. icon check
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    Specific criteria apply, please consult the Special Conditions
    This document is for information purposes only and is not legally binding.
    All mentioned benefits are applicable in accordance with the EPION Special Conditions
  • icon

    Basic dental treatments

    Basic dental treatments
    Reimbursement at 100% in complement to statutory insurance
    Reimbursement limited to 80% if no participation of statutory insurance
    Epion
    Two dental check-ups per insurance year icon check
    X-rays icon check
    Scale-and-polish cleaning icon check
    Treating oral mucosa and gingiva icon check
    Simple fillings icon check
    Surgery, extractions, root-canal treatment icon check
    Night guard icon check
    Dental treatment after an accident icon check
    This document is for information purposes only and is not legally binding.
    All mentioned benefits are applicable in accordance with the EPION Special Conditions
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    Major dental treatments

    Major dental treatments
    Reimbursement at 100% in complement to statutory insurance
    Reimbursement limited to 80% if no participation of statutory insurance
    € 1.000 per underwriting year since inception, with a maximum of € 4’000 starting from the fourth year, a waiting period of 10 months applies
    Epion
    Dentures (for example, prostheses, bridges and crowns, inlays) icon check
    Implants icon check
    Dental laboratory work and materials icon check
    Treatment plan icon check
    Dental treatment after an accident icon check
    Orthodontic treatment
     
    Orthodontic treatment: 800 EUR par underwriting year, with a maximum of 3’200 EUR during the lifetime of the contract. icon check
    icon check
    A waiting period of 10 months applies. Specific criteria apply, please consult the Special Conditions.
    This document is for information purposes only and is not legally binding.
    All mentioned benefits are applicable in accordance with the EPION Special Conditions

Coverage details

The selected country may be excluded from our coverage for various reasons.

QUICK AND EFFICIENT ASSISTANCE AND REPATRIATION IN CASE OF EMERGENCY

With our long-term partner and worldwide pioneer in assistance services we offer excellent medical help and repatriation of expats in case of emergency. We advise to our clients at all times and wherever you need it!

A close-knit network of medical providers and over 400 medical experts in 30 service teams guarantee quick and high-quality assistance all over the world.

Our partner has more than 50 years of experience in international medical assistance and looks after 300 million clients in 208 countries with his more than 8000 employees worldwide.

Ease of mind

  • - 24 hour telephone and e-mail service with experienced consultants, doctors and specialists
  • - Medical support and advice before the start of the trip (vaccinations, putting together a first aid kit)
  • - Assistance in the selection of prescribed medicines, comparable products and their side effects

Emergency support

  • - Medical evacuation or return transportation
  • - Certification of insurance coverage, in particular prior to a stay in hospital
  • - Advance payments
  • - Organisation of travel for close relatives to be at patient’s bedside
  • - Organisation of return transportation or care for children
  • - Support in organising a “doctor to doctor” call
  • - Procurement and shipping of essential medicines
  • - Support in case of postponement of return journey

And much more

  • - Organisation of medical support and information
  • - Details of available inter-cultural training
  • - Help with possible psychological problems due to stay abroad
  • - Finding a relocation service
  • - Document submission (deposit and replacement in case of loss)

Coverage US

If you need a health insurance cover for longer than 6 weeks in the USA, or if you would like to have the opportunity to be medically treated in the USA, then please select this option.

Deductibles

Depending on the insurance plan taken out, the insurer will provide 100% refund of eligible expenses up to the maximum annual limit specified in the following benefit overviews, unless otherwise documented in those benefit overviews, the general information in the general conditions or the definitions.

The Foyer Global Health plans have the following deductible variants:

  • - EUR 0
  • - EUR 250
  • - EUR 500
  • - EUR 1,000

The deductible applies per insurance year and per insured person and only for outpatient treatments.

If the insured person has agreed a deductible with the insurer, the insurer will refund 100% of eligible expenses for outpatient treatment less the agreed deductible.

Expenses are allocated to the policy year in which the doctor or medical practitioner has been consulted and the medication, dressings and medical aids were provided.

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