international health insurance exclusive

International Health Insurance: Exclusive Plan

Exclusive

Exclusive offers the best in international health insurance for those who seek comprehensive coverage.

Globally mobile people may face expensive medical bills abroad. With Exclusive, we offer you the best level of health coverage, for complete peace of mind during your stay abroad. Exclusive is perfectly tailored for all profiles; professionals, families, couples, or future expats. The plan covers a large scope of benefits, regardless of your next destination.

In addition to general services (medical assistance, teleconsultation and second medical expert opinion, repatriation, and evacuation), it includes all types of treatments you might need when living abroad. Some treatments are covered without limits to ensure you are fully protected in all circumstances. With Exclusive, you get access to top medical care from the first day of your expatriation!

What Exclusive can do for you?

Highest limits

Benefit from the highest coverage limits: Up to €20000 for maternity care, €5000 for major dental treatments. Check our benefits to see the coverage of each treatment.

Preventive care

Your well-being is our priority, and we want to make sure that you stay healthy at all times by offering high coverage of regular health check-ups, vaccinations, screenings and alternative medicine.

Peace of mind

The advantage of our premium health insurance plan is that you do not need to worry about your health: For every situation, we offer our assistance and make sure you benefit from the best healthcare services.

Exclusive 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 medical massages, 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. Must be adjusted during the inpatient stay and remain in or on the body. In Addition €2,000 of artificial Limps and Protheses (not dentures!)
    Must be adjusted during the inpatient stay and remain in or on the body
    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. Seperated Limit for Inpatient €200,000 and for outpatient €200,000
    Up to a maximum of €150,000 per lifetime. Seperated Limit for Inpatient €150,000 and for outpatient €150,000
    Up to a maximum of €100,000 per lifetime. Seperated Limit for Inpatient €100,000 and for outpatient €100,000
    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)
    Cost for the search for Organ or Donor are not covered
    Up to a maximum of €200,000 per lifetime. Cost for the search for Organ or Donor are not covered.
    Up to a maximum of €150,000 per lifetime. Cost for the search for Organ or Donor are not covered.
    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. Only applicable if inpatient stay is shortend – confirmation about this is needed. Applies for each inpatient stay.
    Up to 60 days after written pre-approval. Only applicable if inpatient stay is shortend – confirmation about this is needed. Applies for each inpatient stay.
    Up to 30 days after written pre-approval. Only applicable if inpatient stay is shortend – confirmation about this is needed. Applies for each inpatient stay.
    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
    Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.
    Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.
    Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.
    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. 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
    Congenital conditions
    Up to a maximum of €200,000 per lifetime. Seperated Limit for Inpatient €200,000 and for outpatient €200,000
    Up to a maximum of €150,000 per lifetime. Seperated Limit for Inpatient €150,000 and for outpatient €150,000
    Up to a maximum of €100,000 per lifetime. Seperated Limit for Inpatient €100,000 and for outpatient €100,000
    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. Waiting period of 10 months
    After written pre-approval. Waiting period of 10 months
    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 per insurance year
    Up to 15 sessions per insurance year
    Therapies, including medical massages, ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy Unlimited
    Up to 10 sessions per insurance year
    Therapeutic aids and appliances
    Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.
    Up to €1,000. Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.
    Up to €750. Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.
    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. Requirements:
    – Woman not older than 40, Men not older than 50 at date of the first attempt.
    – Reason for treatment must be organic caused infertility
    50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months. Requirements:
    – Woman not older than 40, Men not older than 50 at date of the first attempt.
    – Reason for treatment must be organic caused infertility
  • 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)
    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
    Implants
    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
    Orthodontic treatment (for children under 18)
    Up to €5,000. Waiting period of 10 months
    Up to €2,000. Waiting period of 10 months
    Dental laboratory work and materials
    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
    Treatment plan
    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
    Accidental dental treatment
    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
  • 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 treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.
    In case a medically necessary evacuation for treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.
    In case a medically necessary evacuation for treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.
    Compassionate family visit
    Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.
    Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.
    Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.
    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 up to 18 years old 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) Unlimited Unlimited Unlimited
    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

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