Compare our International Health Insurance plans

Which health insurance is the best for you?

2 people smiling who are sharing a good breakfast. Regular medical check ups make your mind more eased.

Foyer Global Health offers you an innovative and comprehensive range of products with the best International Health Insurance cover for your needs, whatever your profile and situation might be:

Are you moving alone, as a couple or as a family? We take the time to get to know each of you and your needs in order to define with you the appropriate cover.  👌
Are you going abroad for work, to join a loved one or for the adventure of a lifetime? Each experience is unique and deserves the protection adapted to the situation.
Are you staying longer than expected? Don’t worry, our health cover is valid for life and can be modified throughout your expatriation.

Why take out international health insurance?

Unlike travel insurance, international health insurance or expatriate health insurance will provide you with much more comprehensive and flexible cover for long-term stays abroad.

There is no need to subscribe to a mutual health insurance, the range of treatments covered is wide and adapted to a nomadic life.

It is particularly interesting for expatriates as it gives access to numerous medical services in addition to the basic health cover. Its international scope offers the comfort of protection without geographical or time limits: you are covered wherever you are, even for occasional trips, and at any time.

A map with undefined places all around the world.

The advantages of our health insurance

Unlimited possibilities

We support you at every stage of your expatriation by not imposing any overall annual limit on your cover.

Freedom of choice

You can consult the private doctors or hospitals of your choice, without being restricted by a network of providers.

Evacuation and repatriation

Included in all our plans, as well as full medical assistance, available 24/7.

Tailored to you

Each insuree from a same policy can choose from our three levels of cover, depending on their specific needs.

Discover our health plans

Choose from our three expatriate health plans, ESSENTIAL, SPECIAL and EXCLUSIVE. Each plan offers a different range of benefits and coverage limits, from in-patient to out-patient care. This means that you are covered throughout your stay abroad for minor accidents, emergencies and routine treatment.

Among the benefits covered by our insurance plans are :

  • Hospitalisation costs with no annual aggregate limit
  • Maternity care (pre- and post-natal, childbirth…) up to €20,000
  • Therapeutic and psychotherapy sessions
  • Major dental treatment up to €5,000
  • Health check-ups up to €500

For more details on the benefits, you can consult the comparison table below or refer to the Special Conditions of our insurance plans.

Health coverage
Plans 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?