Frequently Asked Questions

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.

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.

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.

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.

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.

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!

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.

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.

“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.

As an insured customer with Foyer, you can feel in safe hands. Please read all the details in our blog.

Individuals

Questions about expat health insurance individual plans, pricing, cover and benefits:

• Email:onlinesales@foyerglobalhealth.com
• Phone:+352 437 43 4256
• Address: 12, rue Leon Laval, L-3372 Luxembourg

Group contracts

Questions about expat health insurance for groups, pricing, cover and benefits:

• Email:sales@foyerglobalhealth.com
• Phone:+352 437 43 4245

Policy

Questions about registration/deregistration, application procedures, policies and invoicing:

• Email:policy@foyerglobalhealth.com
• Phone:+352 437 43 4244

Claims

Questions about service processes and claims:

• Email:claims@foyerglobalhealth.com
• Phone:+352 437 43 4244