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Inpatient treatment
Essential Special Exclusive Accommodation in a private or semi-private room Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) Hospital charges, including operating theatres, intensive care wards and laboratories Surgery and anaesthetics Outpatient surgery instead of inpatient treatment Drugs and dressings Physiotherapy, including massages Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy Therapeutic aids and appliances If needed as a lifesaving measure, Such as cardiac pacemakersIf needed as a lifesaving measure, Such as cardiac Pacemakers Up to €2,000 for therapeutic aids and appliances, such as artificial limbs and prosthesesMaternity care and childbirth, services of a midwife or obstetric nurse in the hospital Up to €5,000 Waiting period of 10 monthsUp to €20,000 Waiting period of 10 monthsComplications of pregnancy and childbirth Waiting period of 10 monthsWaiting period of 10 monthsNewborn care Congenital conditions Up to a maximum of €100,000 per lifetimeUp to a maximum of €150,000 per lifetimeUp to a maximum of €200,000 per lifetimeCancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer Bone marrow and organ transplants (costs for donor and receiver) Up to a maximum of €150,000 per lifetimeUp to a maximum of €200,000 per lifetimePsychiatric treatment after written pre-approval/waiting period of 10 monthsafter written pre-approval/waiting period of 10 monthsafter written pre-approval/waiting period of 10 monthsInpatient psychotherapy after written pre-approval/waiting period of 10 monthsafter written pre-approval/waiting period of 10 monthsParent accommodation during inpatient treatment of a minor child up to 18 years Nursing care at home and domestic help, instead of a hospital stay Up to 30 days after written pre-approvalUp to 60 days after written pre-approvalUp to 90 days after written pre-approvalSubstitute hospital cash plan benefit, for treatments not claimed with us. €75 per day€150 per day€200 per dayInpatient follow-up rehabilitation Up to 21 days after written pre-approvalUp to 28 days after written pre-approvalUp to 35 days after written pre-approvalHospice up to 5 weeksup to 7 weeksup to 9 weeksDay care Transport to the nearest suitable hospital for initial treatment following an accident or an emergency -
Outpatient treatment
Essential Special Exclusive Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) Chemotherapy, oncological drugs and treatment Health Checks up to €250up to €500Maternity care and childbirth, services of a midwife or obstetric nurse Up to €5,000 EUR Waiting period of 10 monthsUp to €20,000 EUR Waiting period of 10 monthsComplications of pregnancy and childbirth Waiting period of 10 monthsWaiting period of 10 monthsCongenital conditions Up to a maximum of €100,000 per lifetimeUp to a maximum of €150,000 per lifetimeUp to a maximum of €200,000 per lifetimeAcupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings up to €1,000up to €2,500up to €5,000Speech therapy after written pre-approvalafter written pre-approvalPsychiatric treatment Up to €1,000 after written pre-approval Waiting period of 10 monthsUp to €5,000 after written pre-approval/ Waiting period of 10 monthsafter written pre-approval/ Waiting period of 10 monthsOutpatient psychotherapy after written pre-approvalafter written pre-approvalDrugs and dressings Over-the-counter drugs up to €50up to €75up to €100Physiotherapy, including massages Up to 15 sessionsUp to 20 sessionsTherapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy Up to 10 sessionsTherapeutic aids and appliances up to €750up to €1,000Vaccinations and immunization up to €250Vision aids, including an eye test up to €150up to €250Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency Infertility treatment 50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months -
Basic dental services
Essential Special Exclusive Two preventive check-ups per insurance year X-rays Scale-and-polish cleaning Treating oral mucosa and gingiva Pain relief onlySimple fillings Pain relief onlySurgery, extractions, root-canal treatment Pain relief onlyNight guard Accidental dental treatment -
Major dental services
Essential Special Exclusive Major dental services Reimbursement for the following benefits up to €2,000 Waiting period of 10 monthsReimbursement for the following benefits up to €5,000 Waiting period of 10 monthsDentures (for example, prostheses, bridges and crowns, inlays) Implants Up to four implants per jaw and the dentures to be secured to these implantsUp to four implants per jaw and the dentures to be secured to these implantsOrthodontic treatment Dental laboratory work and materials Treatment plan Accidental dental treatment -
Medical Assistance
Essential Special Exclusive 24-hour phone and email service with experienced counsellors, doctors and specialists Evacuation and Repatriation Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages) Support and information (by our medical service, second opinion, monitoring the course of the illness) Guarantee of payment (GOP) (preparing for a stay in hospital) Advance payment Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms Support in organising a "doctor-to-doctor" discussion Assistance in choosing the prescribed medication, comparable preparations and their side effects Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit) -
Additional assistance (optional)
Essential Special Exclusive Return travel to the country of residence 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 €3,000In 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 €3,000In 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 €3,000Compassionate family visit up to €3,000up to €3,000up to €3,000Delayed return trip up to €3,000up to €3,000up to €3,000Getting hold of and shipping vital medication Return transport or care for children Help with psychological problems possibly caused by the stay abroad Psychological and therapeutic help by phone Up to five callsPsychological and therapeutic help by phone Up to five callsPsychological and therapeutic help by phone Up to five callsReturn of mortal remains up to €10,000up to €10,000up to €10,000Document storage (safe custody, help in getting replacements) up to €10,000up to €10,000up to €10,000Organizing help if you have legal difficulties Arranging intercultural training (ex: information on local culture) Arrangement of a relocation service
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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