basic expat health insurance

International Health Insurance: Essential Plan

Essential

Essential brings you medical assistance & treatment in case of illness or emergency.

You want to be covered for outpatient and inpatient treatments, be reimbursed for day-to-day treatments, and benefit from 24/7 medical assistance and services designed for expats. You do not require major dental treatment, maternity care, or therapeutic services. In short, you need a health insurance plan that covers your back for any mishaps or unexpected events that can happen during your stay abroad. Essential is the right answer for your needs as it provides you the necessary protection without unnecessary costs. With Essential, our promise is to provide support and safety at any moment of your expatriation.

What Essential can do for you?

Emergency assistance

With one quick phone call our multilingual 24-hour support partner makes sure you receive the appropriate treatment at the nearest health facility, wherever you are in the world.

Inpatient hospitalisation

Hospital charges, including operating theatres, intensive care wards, laboratories and private or semi-private rooms are included.

Outpatient consultations

You do not need to upgrade your insurance plan to have an unlimited coverage of outpatient consultations, it is already included in Essential!

Essential health coverage:
the plan in detail
  • Inpatient
    treatment

  • Outpatient
    treatment

  • Basic dental
    services

  • Major dental
    services

  • Medical
    Assistance

  • Additional assistance
    (+5€/month)

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

Not sure which plan to choose?

Discover our guides
to several countries

Foyer Global Health is your partner wherever you decide to go. Let us guide you through different guides we made for you.

Destinations in Europe

Other Destinations