International

Health Insurance
Caring for you beyond borders
About Foyer Global Health

Foyer Global Health is the specialist global mobile people insurer by

Luxembourg’s leading insurance company Foyer Group. Our health
plans are the result of decades of experience with customers from all
over the world.

We are your partner of trust when it comes to traveling or living

abroad. We offer first-class international health coverage in
combination with comprehensive medical assistance services. Select
your plan in accordance with your individual needs. Wherever you are,
we move on with you.

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Why
Foyer Global Health ?
The Foyer Global Health insurance plans are custom-designed to
guarantee the very best medical care and the reimbursement of
incurred medical expenses to all insured persons in accordance
with their specific medical needs.

We offer a comprehensive range of services. Outpatient and

inpatient medical care, dental care and medical assistance
services for each level of cover without hidden cover exclusions.

You can apply online to enjoy immediate cover (even if you are
already abroad) and it is possible to include pre-existing conditions
and ongoing treatments.

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Our Plans

Are you looking for basic or premium cover? Depending on whether you are planning a
short or a long stay, whether you travel alone or with your family and depending on the
country, you are sure to find the right level of cover within our product range.

Foyer Global Health offers you an innovative and comprehensive

product range with the right insurance cover to suit your needs.

Choose your plan between ESSENTIAL, SPECIAL or EXCLUSIVE. The three options differ
in nature and extent of the services included:

A range of deductibles for outpatient treatment is available for all three plans. You decide
which level of cover suits your needs and requirements best. No yearly maximum plan
benefit applies to any of the plans!

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Compare our plans

If you are looking for a maximum level of coverage and have high expectations with
the organisation of your medical care, EXCLUSIVE is the right choice for you.
EXCLUSIVE provides you with best-in-class benefits. Our Exclusive plan is
designed for people who do not want to think about their insurance when they think
about their health.

Our SPECIAL plan is chosen for its balanced combination of benefits and premium.
Providing comprehensive cover, including preventative treatments, medical
services, and major dental treatments, it suits single professionals, as well as
families. It also considers other medical and non- medical services in addition to
covering the major cost items the SPECIAL plan is the right choice.

Our ESSENTIAL plan is the right answer if you do not require major dental
treatment or maternity care, but want to focus on day-to-day treatments, inpatient
as well as outpatient, including assistance and unexpected large medical bills. The
ESSENTIAL plan is the right choice for you, if your focus lies on securing medically
necessary treatment and ancillary services such as home nursing and domestic
help are of less importance to you.

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Benefits and Services

Documents in English, German or French

Pre-existing conditions can be included after risk assessment

Unlimited duration of cover

Medical assistance and additional services

Premium payment via direct debit, bank transfer or credit card

Online services to facilitate communication with us

Internet-based services for claims management are a guarantee of

transparency

High-quality customer support service by highly specialized and

qualified staff

Round-the-clock service, 365 days a year 5

Online Services

Foyer Global Health offers a secure online portal with

several functionalities:

Online medical provider search

Submit medical invoices and track refund status on the customer

portal –no requirement to provide original paper invoices

Apply online for a guarantee of payment

Change and update your personal data on the customer portal

Insurance documents are always available on the customer portal

Exchange messages with your insurer securely via the customer

portal

The complete administration of your insurance is paperless with Foyer

Global Health. All related documents are always at your disposal online.
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Best Doctors
For you
Access to the best medical minds in the world so you can be sure you have
the right diagnosis and treatment plan.

When you or your family are facing a health problem you need clear, definitive answers and
you need to know that the advice you are getting is the best available.

Best Doctors is an expert medical advice and second medical opinion service that
connects patients and their treating doctors with leading specialists from around the
world. These specialists provide an independent review of a patient’s condition and
treatment options.

Best Doctors helps you make medical decisions with confidence. Whether you’re dealing
with a chronic condition, questioning surgery or facing a life-threatening illness, Best
Doctors can guide you in the right direction.

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Assistance & Services
Our partner has more than 50 years of experience in international medical
assistance and looks after 300 millions clients in 208 countries with his more
than 8000 employees worldwide. 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.

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

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
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Table of benefits

Benefits
Essential Special Exclusive

Inpatient treatment

Accommodation in a private or semi-private room

Consultations (including pathology, radiology,

computed tomography, magnetic resonance imaging
,positron emission tomography and palliative care)

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 occupational therapy, light

therapy, hydrotherapy, inhalation, packs, medical
baths, cryotherapy, thermotherapy, electrotherapy

If needed as a
life-sustaining
If needed as a life- measure,such as
sustaining measure, cardiac
Therapeutic aids and appliances such as cardiac pacemakers. Up
pacemakers to €2.000 for
therapeutic aids
and appliances,
such as artificial
limbs and
prostheses

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Benefits
Essential Special Exclusive
Inpatient treatment

Maternity care and childbirth, services of a midwife

orobstetric nurse in the hospital Up to €5.000. Up to €20.000.
Waiting period of 10 Waiting period of 10
months months

Pregnancy and childbirth complications Waiting period of 10 Waiting period of 10

months months

New-born care

Congenital conditions Up to a Up to a maximum of Up to a maximum of

maximum of €150.000 per €200.000 per
€100.000 per lifetime lifetime
lifetime

Cancer treatment, oncological drugs and treatment,

including reconstructive surgery for breast cancer

Bone marrow and organ transplants (costs for donor

Up to a Up to a maximum of
and recipient) maximum of € € 200.000 per
150.000 per lifetime
lifetime

Psychiatric treatment Subject to prior Subject to prior Subject to prior

written approval. written approval. written approval.
Waiting period Waiting period of 10 Waiting period of 10
of 10 months months months

Subject to prior Subject to prior

Inpatient psychotherapy written approval. written approval.
Waiting period of 10 Waiting period of 10
months months

Accommodation for one parent during inpatient

treatment of a child under 18

Home nursing and domestic help, instead of a hospital

stay Subject to prior Subject to prior Subject to prior
written approval. written approval. Up written approval. Up
Up to 30 days to 60 days to 90 days

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Benefits
Essential Special Exclusive
Inpatient treatment

Substitute hospital cash plan benefit for treatments

not claimed with us 75 € per day 150 € per day 200 € per day

Inpatient follow-up rehabilitation Subject to prior Subject to prior Subject to prior

written approval. written approval. written approval. Up
Up to 21 days Up to 28 days to 35 days

Hospice
Up to 5 weeks Up to 7 weeks Up to 9 weeks

Day care treatment

Transport to the nearest suitable hospital for initial

treatment after an accident or an emergency

Outpatient treatment
Consultations (including pathology, radiology,
computed tomography, magnetic resonance imaging,
positron emission tomography and palliative care)

Cancer treatment, oncological drugs and treatment

Health checks
Up to 250 € Up to 500 €

Maternity care and childbirth, services of a midwife or

Up to 5.000€. Up to 20.000€.
obstetric nurse Waiting period of Waiting period of 10
10 months months

Pregnancy and childbirth complications Waiting period of Waiting period of 10

10 months months

Congenital conditions Up to a maximum Up to a maximum Up to a maximum of

of € 100.000 per of € 150.000 per € 200.000 per
lifetime lifetime lifetime

Acupuncture (needle technique), homeopathy,

osteopathy, chiropractic, including drugs and
dressings Up to 1.000 € Up to 2.500 € Up to 5.000 €

Speech therapy Subject to prior Subject to prior

written approval written approval

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Benefits
Essential Special Exclusive
Outpatient treatment

Subject to prior Subject to prior Subject to prior

Psychiatric treatment written approval. written approval. written approval.
Up to €1.000. Up to €5.000. Waiting period of 10
Waiting period of Waiting period of months
10 months 10 months

Outpatient psychotherapy Subject to prior Subject to prior

written approval written approval

Drugs and dressings

Over-the-counter drugs
Up to 50 € Up to 75 € Up to 100 €

Physiotherapy, including massages

Therapies, including occupational therapy, light

therapy, hydrotherapy, inhalation, packs, medical
baths, cryotherapy, thermotherapy, electrotherapy Up to 10 sessions

Therapeutic aids and appliances

Up to 750 € Up to 1.000 €

Vaccinations and immunisation

Up to 250 €

Vision aids, including an eye test

Up to 150 € Up to 250 € €

Transport to the nearest suitable hospital or

practitioner for initial treatment after an accident

50% up to € 7.500 50% up to € 15.000

Infertility treatment per insured couple per insured couple
per lifetime. per lifetime. Waiting
Waiting period of period of 24 months
24 months

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Benefits
Essential Special Exclusive
Basic dental services

Two dental check-ups per insurance year

X-rays

Scale-and-polish cleaning

Oral mucosa and gingiva treatments

Pain relief only

Simple fillings
Pain relief only

Surgery, extractions, root canal treatment

Pain relief only

Dental night guard

Dental treatment after an accident

Major dental services

Reimbursement Reimbursement for

Total major dental treatments per policy year for the following the following
benefits up to benefits up to
€2.000. Waiting €5.000. Waiting
period of 10 period of 10 months
months

Dentures (e.g., prostheses, bridges and crowns, inlays)

Up to four Up to four implants

implants per jaw per jaw plus the
Implants plus the dentures to be
dentures to be secured to these
secured to these implants
implants

Orthodontic treatment

Dental laboratory work and materials

Treatment plan

Dental treatment after an accident

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Benefits
Essential Special Exclusive
Medical Assistance
24-hour phone and e-mail service with experienced
advisers, doctors and consultants

Evacuation and repatriation where medically required

Information on local medical facilities with due

consideration for the required language

Support and information (Second Opinion, tracking

evolution of an illness)

Certification of insurance coverage, in particular prior

to a stay in hospital

Advance payments

Support and Information about the nature, possible

causes, therapy possibilities for the illness, as well as
information on technical medical terms

Support in organising a "doctor to doctor"call

Assistance in the selection of prescribed medicines,

comparable products and their side effects

Medical support and advice prior to intended departure

(vaccinations, putting together a first-aid kit)

Additional Assistance

Repatriation to the country of residence

Up to 3.000€ Up to 3.000€ Up to 3.000€

Organisation of travel for close relatives to be at

patient's bedside Up to 3.000€ Up to 3.000€ Up to 3.000€

Procurement and shipping of essential medicines

Organisation of return transportation or care for

children

Repatriation of mortal remains and organisational

support in the event of death Up to 10.000€ Up to 10.000€ Up to 10.000€

Help with possible psychological problems due to stay Psychological and Psychological and Psychological and
abroad therapeutic help therapeutic help by therapeutic help by
by phone. Up to 5 phone. Up to 5 calls phone. Up to 5 calls
calls

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 Benefits
Essential Special Exclusive
Additional Assistance
Document submission (deposit and replacement in
case of loss)

Mediation in the event of legal difficulties

Arrangement for a relocation service

Arrangement for intercultural training (information on

the local culture)

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Foyer Global Health
At a glance
Foyer Global Health is the specialist international health insurance brand
by Luxembourg’s leading insurer Foyer Group.
Our service: high-quality insurance cover with each of our plans, online
services to make communication quick and easy, highly specialised and
qualified staff ready to assist you 24/7.
Flexible group insurance solutions / business models.
Comprehensive insurance cover for inpatient, outpatient and dental
treatments combined in 3 different health plans: ESSENTIAL, SPECIAL
and EXCLUSIVE.
Quick and high-quality medical assistance worldwide.
Access to the best medical minds in the world for a second medical
opinion and your medical questions.

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 For further information on our international health insurance plans,
please visit our website:

www.foyerglobalhealth.com

Foyer Santé Global Health S.A. 12, rue Léon Laval - L-3372 Leudelange
Tél.: +352 437 43 4245
The information contained in the present marketing brochure is provided solely for information
purposes. It is not contractual and could not engage the responsability of Foyer Santé Global Health S.A.
The latter reserves the right to modify at any moment and for any reason the before mentioned
information and cannot be held responsible of the consequences of these modifications.