Frequently Asked Questions
by our expat clients
We hate being lost.
We make sure you won’t get!
We try to answer most of our clients’ and visitors’ questions and needs through this FAQ Section: What is international health insurance? How does health insurance work internationally? Everyone has different needs in terms of health insurance. Feel free to contact us directly if you don’t find your answer
or you can pick a topic below that matches your questions.
Your question is about:
What is a first euro health insurance?
Foyer Global Health insurance is one of these private health insurance at the first euro, what does this term mean? Quite simply, we reimburse your health expenses from the first euro spent, if you opt for a contract with no deductible. This is a time saving and simple solution for expatriates who have only one direct contact for their reimbursement request.
When is it advisable to purchase international health insurance?
It is important when you go to live abroad to be protected from the very beginning of your stay. Therefore, subscribing to a medical coverage is not improvised and is usually done well before your departure. This will allow you to anticipate the medical formalities that are sometimes necessary at the time of subscription, but also the waiting periods that can be a little longer in high season. We therefore recommend that you do this 1 or 2 months in advance, so that you will be more serene as the move approaches.
How much cost our international health insurance and how about its duration?
You can choose at which frequency you want to pay the insurance premium (monthly, quarterly, annually) and the method of payment. This latter will vary depending on your age, destination, deductible and medical conditions assessment. Insurance plans with Foyer Global Health have a minimum duration of one year, they are then renewed every year at the anniversary date.
What countries are covered by an International Health Insurance?
An international health insurance is designed to cover you both in your home country and in countries around the world. It gives you access to care in all the hospitals, clinics and doctors closest to you, regardless of your destination country. Your health coverage is therefore international. However, if you are going to a country under international sanctions, we reserve the right to carry out additional checks (on banking, etc.). To find out if your destination is on the list of countries under sanctions, contact our experts.
For whom can I apply for Foyer Global Health international health insurance?
If your expatriation also involves your family members, it is quite possible to add them to your insurance policy.
You must declare one of the members as the policyholder, the other persons being the insureds of the contract. The policyholder is the person who enters into the contract and is therefore responsible for paying the insurance premium. There is no limit to the number of insureds in the same family for a single policy. Foyer Global Health also offers the option of adding a newborn child to your policy from birth. To do so, we require that one parent is already insured with us, as well as a copy of the birth certificate.
Why is it important for expats to have an International Health Insurance?
As an expat, you have specific health needs since you are going to live abroad for a long period of time. You will need to be covered for both emergency situations and daily care. An international medical insurance gives you the guarantee that you will get quality private health care regardless of which country you move to and whatever local healthcare system is in place. You will be covered in your home country as well as in your country of expatriation. Also do not forget that, in the current situation, an international health insurance with Covid-19 coverage is a must!
Why an International Health Insurance is not a Travel Insurance?
International Health insurance, also referred to as International Private Medical Insurance, or IPMI, is intended for people who are going to live abroad for several months or years. If you plan an expatriation for over 3 months, then a worldwide health insurance is a must. It is meant for expats, students, globetrotters, families going abroad on a sabbatical, etc. Literally, any planning to live abroad for a mid to long-term duration.
Travel insurance are designed for short stay only, usually less than three months, and primarily for people going for a holiday, for sightseeing or visiting family and friends abroad. It is not suited for individuals or families who are planning to reside abroad for many months as the cover is usually far more limited.
What are the benefits of an international health insurance?
The perks of an international health insurance are the flexibility and the convenience of having a comprehensive worldwide coverage. You can ask for a customized plan that will cover in many different countries, so you can travel out of your new residence country without limit. You are not only cover for emergency, evacuation and repatriation, but also for regular check-ups and day-to-day medical expenses. For all these reasons, expat health insurance is the best solution for an expat and his family.
With Foyer Global Health, you can choose between different levels of coverage at a competitive pricing, depending on your specific needs. And for all plans, the coverage is unlimited: there is no annual limit, so do not have to worry in case of serious illness or major issues.
Is international health insurance worth it?
“Should I take travel insurance, a local health insurance, or an international health insurance?” This might be one of the first questions that come to every expat’ mind.
Many factors can influence your decision: your health status, the duration of your stay abroad, the reputation and quality of the public health system, your financial situation…
To this question, what we would recommend you is to ask yourself the right questions: Do you need international coverage that covers you outside of where you live, for occasional trips and returns to your home country? Do you need it for a long period? Would you like to have full protection and benefit from the reimbursement for most of your medical expenses?
By answering yes to these questions, an international health insurance plan is definitively worth it. Knowing that the key components of international health insurance are evacuation and repatriation, medical assistance, and full coverage for inpatient and outpatient treatments, this solution is the most complete one you can find for you and your beloved ones.
If you want to know more about the health system of your expatriation country, do not hesitate to take a look at our guides.
How does Foyer Global Health deal with COVID-19
As an insured customer with Foyer, you can feel in safe hands. Please read all the details in our blog.
Swiss cross border commuters: what’s the difference between CMU and LAMal?
The CMU is the compulsory cross-border health insurance offered by France, unlike LAMal which is the Swiss compulsory health insurance.
The CMU offers coverage similar to that of the French Social Security system, so expensive treatments such as hospitalization is only minimally reimbursed. This coverage reimburses medical expenses incurred in France, however, medical care in Switzerland is not reimbursed, or only under certain specific conditions or in emergency situations.
The LAMal covers health costs both in France and in Switzerland. Its coverage is somewhat more complete, but dental and optical expenses are also poorly reimbursed.
Making the right choice between these two schemes is all the more important as some border regions such as Ain are described as a medical desert. Having access to healthcare in Switzerland may therefore be essential for some border workers.
Discover our Strengths
Foyer Global Health stands for an excellent insurance cover, which has been created due to decades of experience and developments with customers from all over the world. Our company is located in the Grand Duchy of Luxembourg and thus in one of the most important centers for global and cross-border companies. Those bullet points should help you and your customers to highlight the advantages of Foyer Global Health.
As a Company
- Consistency: We are part of the Foyer Group and fully independent; we are our own underwriter.
- Professionalism and Flexibility: ”Made in Luxembourg” …, everything is done by our own teams and departments.
- Expertise: Many years of expat experience “Problem solver”
- Efficiency: Short decision-making paths, decisions are made quickly and efficiently.
- Simplicity: For conclusions and new applications
- Transparency: Fair and transparent pricing approach
- Partnership: We act as partner and consultant
Foyer Global Health – Individual Business
- Integration into the Foyer Global Health network (exchange between customers)
- Wide range of products for individual customers.
- Innovative and progressive partnerships: Europ Assistance, Teladoc Health …
- Combination of different individual and customized product modules for each family memberPersonalized access to the portal.
Foyer Global Health – Corporate Business
- Integration into the Foyer Global Health network (exchange between customers)
- Wide range of products for corporate customers
- Innovative and progressive partnerships: Europ Assistance, Teladoc Health, HDI…
- Individual online solutions
- Maintain insurance coverage in case of a necessary change from a group contract to an individual contract.
- Personalized access to the portal
- Flexible group contracts – modified and adapted (or adjusted) to the individual requirements and needs of the customers.
- Inclusion of pre-existing conditions without risk assessment in the mandatory group contract.
- Inclusion of pre-existing conditions with risk assessment in the facultative group contract possible.
- Some waiting periods can be omitted.
With the broad range of different covers provided by Foyer Global Health, you may find it daunting to know, who exactly is eligible for a specific cover. This short guide will help you determine if you are eligible to our insurance plans.
Categories of insurance cover
Eligibility is mainly determined by the category of the insurance cover. We distinguish the following categories:
- International Private Medical Insurance
- Medical Insurance for EU civil servants
- Medical Insurance for French residents working in Switzerland
People who are permanent residents in the United States are excluded from insurance cover.
If an insured person takes up permanent residence in the United States, the insurer will terminate the insurance relationship. In the event of moving to any other country, the insurer may on a case-by-case basis, even during an ongoing insurance relationship, check that this policy complies with national law and according to the results, decide whether insurance cover can be maintained or else needs to be modified or terminated.
International Private Medical Insurance
All people who are temporarily abroad, while temporarily does not mean short term. There must be an indication, that a return to the home country is planned or foreseeable. This could be after months or many years.
Essential, Special and Exclusive require a minimum subscription duration of 12 months.
Some examples are: Long term assignment of employee and family, digital nomad, project managers on short term assignment, specialised workers on international contract. In doubt, please get in touch with us.
Medical Insurance for EU civil servants
All people covered by the JOINT SICKNESS INSURANCE SCHEME (JSIS) of the European Institutions are eligible to EU Health.
Please note that some people may refer to the JSIS as RCAM, which is the French denomination of the JSIS.
Medical Insurance for French residents working in Switzerland
Only the policyholder who is validly affiliated with the compulsory health care insurance in accordance with the Federal Law on Health Insurance in Switzerland and who does not reside in Switzerland may benefit from the guarantees of the contract. He himself must be insured under the policy. All persons related to the policyholder, spouse, partner, or dependent children, may be insured with the policyholder.
Questions about expat health insurance individual plans, pricing, cover and benefits:
- Phone:+352 437 43 4256
- Address: 12, rue Leon Laval, L-3372 Luxembourg
Questions about expat health insurance for groups, pricing, cover and benefits:
- Phone:+352 437 43 4245
Questions about registration/deregistration, application procedures, policies and invoicing:
- Phone:+352 437 43 4244
Questions about service processes and claims:
- Phone:+352 437 43 4244
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