WhatsApp
WhatsApp

European health insurance for Expats around the world

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.

Discover our health policies specifically designed for expats

  • icon truck

    Premium healthcare

    We are experts in global health coverage in Europe and elsewhere in the world

     

  • icon truck

    24/7 multilingual support

    We make sure that you get the high-quality medical assistance you deserve

  • icon truck

    International coverage for you and your family

         Best-in-class and comprehensive health coverage everywhere you go

GET A QUOTE TODAY

Contact us via

     EMAIL  WHATSAPP

Get a quote in less than 30 seconds!

Select your country of destination and type your birth year.

Fichier 1
Do your online application in a few minutes

At any time, you'll be able to save and continue later and request a contact for more information, by email or phone.

Let's go!

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

What level of coverage do you want?

Dental care

Vision aid

Vaccination & health checks

Maternity & newborn care

Options

Emergency support, 24/7.

More details

Without this option you are only covered for acute medical emergencies in the US for a maximum of 6 weeks.

More details

Deductibles

0 € 250 € 500 € 1000 €
  • icon

    Inpatient treatment

      Essential Special Exclusive
    Accommodation in a private or semi-private room icon check icon check icon check
    Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) icon check icon check icon check
    Hospital charges, including operating theatres, intensive care wards and laboratories icon check icon check icon check
    Surgery and anaesthetics icon check icon check icon check
    Outpatient surgery instead of inpatient treatment icon check icon check icon check
    Drugs and dressings icon check icon check icon check
    Physiotherapy, including massages icon check icon check icon check
    Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy icon check icon check icon check
    Therapeutic aids and appliances icon check
    icon check
    If needed as a lifesaving measure, Such as cardiac pacemakers
    icon check
    icon check
    If needed as a lifesaving measure, Such as cardiac Pacemakers Up to €2,000 for therapeutic aids and appliances, such as artificial limbs and prostheses
    icon check
    Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital icon check icon check
    icon check
    Up to €5,000 Waiting period of 10 months
    icon check
    icon check
    Up to €20,000 Waiting period of 10 months
    Complications of pregnancy and childbirth icon check icon check
    icon check
    Waiting period of 10 months
    icon check
    icon check
    Waiting period of 10 months
    Newborn care icon check icon check icon check
    Congenital conditions icon check
    icon check
    Up to a maximum of €100,000 per lifetime
    icon check
    icon check
    Up to a maximum of €150,000 per lifetime
    icon check
    icon check
    Up to a maximum of €200,000 per lifetime
    Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer icon check icon check icon check
    Bone marrow and organ transplants (costs for donor and receiver) icon check
    icon check
    Up to a maximum of €150,000 per lifetime
    icon check
    icon check
    Up to a maximum of €200,000 per lifetime
    icon check
    Psychiatric treatment icon check
    icon check
    after written pre-approval/waiting period of 10 months
    icon check
    icon check
    after written pre-approval/waiting period of 10 months
    icon check
    icon check
    after written pre-approval/waiting period of 10 months
    Inpatient psychotherapy icon check icon check
    icon check
    after written pre-approval/waiting period of 10 months
    icon check
    icon check
    after written pre-approval/waiting period of 10 months
    Parent accommodation during inpatient treatment of a minor child up to 18 years icon check icon check icon check
    Nursing care at home and domestic help, instead of a hospital stay icon check
    icon check
    Up to 30 days after written pre-approval
    icon check
    icon check
    Up to 60 days after written pre-approval
    icon check
    icon check
    Up to 90 days after written pre-approval
    Substitute hospital cash plan benefit, for treatments not claimed with us. icon check
    icon check
    €75 per day
    icon check
    icon check
    €150 per day
    icon check
    icon check
    €200 per day
    Inpatient follow-up rehabilitation icon check
    icon check
    Up to 21 days after written pre-approval
    icon check
    icon check
    Up to 28 days after written pre-approval
    icon check
    icon check
    Up to 35 days after written pre-approval
    Hospice icon check
    icon check
    up to 5 weeks
    icon check
    icon check
    up to 7 weeks
    icon check
    icon check
    up to 9 weeks
    Day care icon check icon check icon check
    Transport to the nearest suitable hospital for initial treatment following an accident or an emergency icon check icon check icon check
  • icon

    Outpatient treatment

      Essential Special Exclusive
    Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) icon check icon check icon check
    Chemotherapy, oncological drugs and treatment icon check icon check icon check
    Health Checks icon check icon check
    icon check
    up to €250
    icon check
    icon check
    up to €500
    Maternity care and childbirth, services of a midwife or obstetric nurse icon check icon check
    icon check
    Up to €5,000 EUR Waiting period of 10 months
    icon check
    icon check
    Up to €20,000 EUR Waiting period of 10 months
    Complications of pregnancy and childbirth icon check icon check
    icon check
    Waiting period of 10 months
    icon check
    icon check
    Waiting period of 10 months
    Congenital conditions icon check
    icon check
    Up to a maximum of €100,000 per lifetime
    icon check
    icon check
    Up to a maximum of €150,000 per lifetime
    icon check
    icon check
    Up to a maximum of €200,000 per lifetime
    Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings icon check
    icon check
    up to €1,000
    icon check
    icon check
    up to €2,500
    icon check
    icon check
    up to €5,000
    Speech therapy icon check icon check
    icon check
    after written pre-approval
    icon check
    icon check
    after written pre-approval
    Psychiatric treatment icon check
    icon check
    Up to €1,000 after written pre-approval Waiting period of 10 months
    icon check
    icon check
    Up to €5,000 after written pre-approval/ Waiting period of 10 months
    icon check
    icon check
    after written pre-approval/ Waiting period of 10 months
    Outpatient psychotherapy icon check icon check
    icon check
    after written pre-approval
    icon check
    icon check
    after written pre-approval
    Drugs and dressings icon check icon check icon check
    Over-the-counter drugs icon check
    icon check
    up to €50
    icon check
    icon check
    up to €75
    icon check
    icon check
    up to €100
    Physiotherapy, including massages icon check
    icon check
    Up to 15 sessions
    icon check
    icon check
    Up to 20 sessions
    icon check
    Therapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy icon check icon check
    icon check
    Up to 10 sessions
    icon check
    Therapeutic aids and appliances icon check
    icon check
    up to €750
    icon check
    icon check
    up to €1,000
    icon check
    Vaccinations and immunization icon check icon check
    icon check
    up to €250
    icon check
    Vision aids, including an eye test icon check icon check
    icon check
    up to €150
    icon check
    icon check
    up to €250
    Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency icon check icon check icon check
    Infertility treatment icon check icon check
    icon check
    50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months
    icon check
    icon check
    50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months
  • icon

    Basic dental services

      Essential Special Exclusive
    Two preventive check-ups per insurance year icon check icon check icon check
    X-rays icon check icon check icon check
    Scale-and-polish cleaning icon check icon check icon check
    Treating oral mucosa and gingiva icon check
    icon check
    Pain relief only
    icon check icon check
    Simple fillings icon check
    icon check
    Pain relief only
    icon check icon check
    Surgery, extractions, root-canal treatment icon check
    icon check
    Pain relief only
    icon check icon check
    Night guard icon check icon check icon check
    Accidental dental treatment icon check icon check icon check
  • icon

    Major dental services

      Essential Special Exclusive
    Major dental services icon check icon check
    icon check
    Reimbursement for the following benefits up to €2,000 Waiting period of 10 months
    icon check
    icon check
    Reimbursement for the following benefits up to €5,000 Waiting period of 10 months
    Dentures (for example, prostheses, bridges and crowns, inlays) icon check icon check icon check
    Implants icon check icon check
    icon check
    Up to four implants per jaw and the dentures to be secured to these implants
    icon check
    icon check
    Up to four implants per jaw and the dentures to be secured to these implants
    Orthodontic treatment icon check icon check icon check
    Dental laboratory work and materials icon check icon check icon check
    Treatment plan icon check icon check icon check
    Accidental dental treatment icon check icon check icon check
  • icon

    Medical Assistance

      Essential Special Exclusive
    24-hour phone and email service with experienced counsellors, doctors and specialists icon check icon check icon check
    Evacuation and Repatriation icon check icon check icon check
    Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages) icon check icon check icon check
    Support and information (by our medical service, second opinion, monitoring the course of the illness) icon check icon check icon check
    Guarantee of payment (GOP) (preparing for a stay in hospital) icon check icon check icon check
    Advance payment icon check icon check icon check
    Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms icon check icon check icon check
    Support in organising a "doctor-to-doctor" discussion icon check icon check icon check
    Assistance in choosing the prescribed medication, comparable preparations and their side effects icon check icon check icon check
    Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit) icon check icon check icon check
  • icon

    Additional assistance (optional)

      Essential Special Exclusive
    Return travel to the country of residence icon check
    icon check
    In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
    icon check
    icon check
    In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
    icon check
    icon check
    In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
    Compassionate family visit icon check
    icon check
    up to €3,000
    icon check
    icon check
    up to €3,000
    icon check
    icon check
    up to €3,000
    Delayed return trip icon check
    icon check
    up to €3,000
    icon check
    icon check
    up to €3,000
    icon check
    icon check
    up to €3,000
    Getting hold of and shipping vital medication icon check icon check icon check
    Return transport or care for children icon check icon check icon check
    Help with psychological problems possibly caused by the stay abroad icon check
    icon check
    Psychological and therapeutic help by phone Up to five calls
    icon check
    icon check
    Psychological and therapeutic help by phone Up to five calls
    icon check
    icon check
    Psychological and therapeutic help by phone Up to five calls
    Return of mortal remains icon check
    icon check
    up to €10,000
    icon check
    icon check
    up to €10,000
    icon check
    icon check
    up to €10,000
    Document storage (safe custody, help in getting replacements) icon check
    icon check
    up to €10,000
    icon check
    icon check
    up to €10,000
    icon check
    icon check
    up to €10,000
    Organizing help if you have legal difficulties icon check icon check icon check
    Arranging intercultural training (ex: information on local culture) icon check icon check icon check
    Arrangement of a relocation service icon check icon check icon check

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.

Service temporarily unavailable

Please use contact form to get in touch with us.

European Health Insurance for Expats

Healthcare system in Europe

Almost all European countries have their own public healthcare system. They are insuring that all the individuals can have access to hospitals, family doctors, as well as medicines and health services easily and at an affordable price. For any serious illness and in case of emergency, you can call 112 which the European Union’s universal emergency number. For minor issues, pharmacies are opened in most citites, sometimes 24-hour.

Even though standards in Europe are usually quite high, the private sector is booming since people are looking shorter waiting times, better facilities and wider choice of physicians. If you expatriate in Europe for a long period of time, local insurance is generally not sufficient to offer you a comprehensive health cover. That is why you should consider other options such as european health insurance or expat health insurance.

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:

Inpatient treatment: 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.

Outpatient treatment: Consultations, chemotherapy, oncological drugs and treatment, acupuncture, homeopathy, osteopathy, health checks, midwife services, psychotherapy, vaccinations, eye test and vision aids.

Dental treatment: 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.