INTERNATIONAL HEALTH INSURANCE

The best expatriation insurance to protect your new life abroad

The world is shrinking as long-haul transport times decrease; International mobility and expatriation are growing rapidly.
A genuine international health insurance becomes indispensable because a simple travel insurance is totally unsuitable for Expatriation.
We have selected for you three complete solutions, meeting your needs, so that you can experience expatriation in full serenity

ESSENTIAL, the effective protection of the unexpected.
You focus on the usual treatments, at the hospital or in an outpatient setting, while having access to a full support service and covering large bills.

SPECIAL, the balance of benefits and premium for families and self-employed professionals
Comprehensive coverage, including preventive treatments, medical services and major dental treatments.

EXCLUSIVE, the upscale, uncompromising.
Coverage for people who don’t want to think about their insurance, when they have to     think about their health.

 Our subscription website guides you to the solution that suits you best,

GET A QUOTE NOW
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Inpatient treatment

Consultations, Hospital charges, Surgery and anaesthetics, Therapies, Maternity care and childbirth, Newborn care, etc.

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Outpatient treatment

Health Checks, Acupuncture, Physiotherapy, Vaccinations and immunization, Vision aids, Maternity care and childbirth, etc.

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Basic dental services

X-rays, Scale-and-polish cleaning, Treating oral mucosa and gingiva, Simple fillings, Surgery, Night guard, Root-canal treatment, etc.

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Major dental services

Dentures, Implants, Orthodontic treatment, Dental laboratory work and materials, Treatment plan, Accidental dental treatment, etc.

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Medical Assistance

24-hour phone and email service, Evacuation and Repatriation, Information on medical infrastructure, Advance payment, etc.

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Additional assistance (optional)

Return travel to the country of residence, Compassionate family visit, Delayed return trip, Return transport or care for children, etc.

Our main International Health insurance Plans

The right health insurance cover to suit your need in your expat experience

If you require medical assistance or treatment only in case of illness or emergency discover our  – ESSENTIAL – plan.  Seeking peace of mind in any situation have look at our comprehensive – SPECIAL – plan. For best in class cover our – EXCLUSIVE – plan is the right choice for you!

Get a quote in less than 30 seconds!

Select your country of destination and type your birth year.

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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.

The prices have been adjusted according to the options you have modified.

Essential

0 €/Month
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Essential is the right choice if you require medical assistance or treatment in case of illness or emergency.

Covered needs

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Online application

It will only take about 6 minutes to make your online application and you'll not have to pay now.

The prices have been adjusted according to the options you have modified.

Special

Most popular
0 €/Month
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Special is the right choice if you require comprehensive cover and seek peace of mind in any situation.

Covered needs

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Thank you!

Your quote has been sent to:

Online application

It will only take about 6 minutes to make your online application and you'll not have to pay now.

The prices have been adjusted according to the options you have modified.

Exclusive

0 €/Month
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Exclusive is our plan dedicated to people who are looking for the best class cover.

Covered needs

Receive your quote by email

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Your quote has been sent to:

Online application

It will only take about 6 minutes to make your online application and you'll not have to pay now.

Please select one product per person

TOTAL 0 €/Month

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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 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
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    If needed as a lifesaving measure, Such as cardiac pacemakers
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    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
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    Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital icon check icon check
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    Up to €5,000 Waiting period of 10 months
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    Up to €20,000 Waiting period of 10 months
    Complications of pregnancy and childbirth icon check icon check
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    Waiting period of 10 months
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    Waiting period of 10 months
    Newborn care icon check icon check icon check
    Congenital conditions icon check
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    Up to a maximum of €100,000 per lifetime
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    Up to a maximum of €150,000 per lifetime
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    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
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    Up to a maximum of €150,000 per lifetime
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    Up to a maximum of €200,000 per lifetime
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    Psychiatric treatment icon check
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    after written pre-approval/waiting period of 10 months
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    after written pre-approval/waiting period of 10 months
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    after written pre-approval/waiting period of 10 months
    Inpatient psychotherapy icon check icon check
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    after written pre-approval/waiting period of 10 months
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    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
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    Up to 30 days after written pre-approval
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    Up to 60 days after written pre-approval
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    Up to 90 days after written pre-approval
    Substitute hospital cash plan benefit, for treatments not claimed with us. icon check
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    €75 per day
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    €150 per day
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    €200 per day
    Inpatient follow-up rehabilitation icon check
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    Up to 21 days after written pre-approval
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    Up to 28 days after written pre-approval
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    Up to 35 days after written pre-approval
    Hospice icon check
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    up to 5 weeks
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    up to 7 weeks
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    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
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    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
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    up to €250
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    up to €500
    Maternity care and childbirth, services of a midwife or obstetric nurse icon check icon check
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    Up to €5,000 EUR Waiting period of 10 months
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    Up to €20,000 EUR Waiting period of 10 months
    Complications of pregnancy and childbirth icon check icon check
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    Waiting period of 10 months
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    Waiting period of 10 months
    Congenital conditions icon check
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    Up to a maximum of €100,000 per lifetime
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    Up to a maximum of €150,000 per lifetime
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    Up to a maximum of €200,000 per lifetime
    Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings icon check
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    up to €1,000
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    up to €2,500
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    up to €5,000
    Speech therapy icon check icon check
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    after written pre-approval
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    after written pre-approval
    Psychiatric treatment icon check
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    Up to €1,000 after written pre-approval Waiting period of 10 months
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    Up to €5,000 after written pre-approval/ Waiting period of 10 months
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    after written pre-approval/ Waiting period of 10 months
    Outpatient psychotherapy icon check icon check
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    after written pre-approval
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    after written pre-approval
    Drugs and dressings icon check icon check icon check
    Over-the-counter drugs icon check
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    up to €50
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    up to €75
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    up to €100
    Physiotherapy, including massages icon check
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    Up to 15 sessions
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    Up to 20 sessions
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    Therapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy icon check icon check
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    Up to 10 sessions
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    Therapeutic aids and appliances icon check
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    up to €750
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    up to €1,000
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    Vaccinations and immunization icon check icon check
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    up to €250
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    Vision aids, including an eye test icon check icon check
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    up to €150
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    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
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    50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months
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    50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months
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    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
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    Pain relief only
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    Simple fillings icon check
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    Pain relief only
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    Surgery, extractions, root-canal treatment icon check
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    Pain relief only
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    Night guard icon check icon check icon check
    Accidental dental treatment icon check icon check icon check
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    Major dental services

      Essential Special Exclusive
    Major dental services icon check icon check
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    Reimbursement for the following benefits up to €2,000 Waiting period of 10 months
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    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
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    Up to four implants per jaw and the dentures to be secured to these implants
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    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
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    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
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    Additional assistance (optional)

      Essential Special Exclusive
    Return travel to the country of residence icon check
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    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
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    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
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    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
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    up to €3,000
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    up to €3,000
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    up to €3,000
    Delayed return trip icon check
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    up to €3,000
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    up to €3,000
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    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
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    Psychological and therapeutic help by phone Up to five calls
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    Psychological and therapeutic help by phone Up to five calls
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    Psychological and therapeutic help by phone Up to five calls
    Return of mortal remains icon check
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    up to €10,000
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    up to €10,000
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    up to €10,000
    Document storage (safe custody, help in getting replacements) icon check
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    up to €10,000
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    up to €10,000
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    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.

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