- Fokus auf stationäre Behandlungen und Unfallschutz.
- 100 % Erstattung bei Krankenhausaufenthalten im Ein- oder Zweibettzimmer.
- Ideal für preisbewusste Expats, die eine Kernabsicherung suchen.
Are you planning your next step abroad, or already living far from home? Reliable healthcare is the foundation of that freedom. With Foyer Global Health you get international health insurance designed to be as flexible as your lifestyle – in Europe, Asia or the Americas.
Two characteristics set Foyer apart from many travel plans: the open-ended contract and direct billing for inpatient treatment. Together they mean you need neither fear a contract end date nor advance five-figure sums for a hospital stay.
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The entry level focused on inpatient treatment and emergency care. Sensible if your health is stable and you want to keep the premium low. Expect routine doctor visits and diagnostics to be covered only to a limited extent.
The tier that strikes the right balance for most emigrants: it includes outpatient benefits and preventive care. That covers doctor visits, diagnostics and medication – what actually comes up in daily life.
The most comprehensive variant with the highest limits, extensive prevention, dental benefits and free choice of clinic at an international level. Mainly relevant for families and people with particular care needs.
Including North America is the biggest price lever. Take it if you live there or are there regularly – leave it out if not. Extending later is more work than choosing cleanly from the start.
A higher deductible lowers the premium considerably. What matters is whether you can pay it from your own funds when it counts.
Open-ended contracts with a lifelong coverage guarantee require underwriting. Answer the health questions in full – incomplete statements are the most common reason for refused benefits.
Clarify early what happens on a permanent return and whether you need a prospective entitlement for existing German private cover. Postponing this question usually costs more later.
Depending on your priorities, other providers may fit better: Cigna Global for very high benefit requirements and selectable areas of cover, PassportCard for cashless payment without upfront costs, APRIL International for a fine-grained zone model, and Care Concept for fixed-term stays of young travellers.
Emigration already planned? Contact us on WhatsApp (+49 151 28937141) or via the contact form.
The contract is open-ended and does not automatically stop after a certain term or on reaching a particular age. For emigrants this is the key difference from travel plans: you do not have to face fresh underwriting after a few years with your health as it is by then.
For inpatient treatment Foyer bills directly with the hospitals, so you do not have to make a large advance payment. For smaller outpatient bills, reimbursement after submission is common.
On request, yes. Because cost levels there are considerably higher, this choice has a noticeable effect on the premium. If North America is relevant to you, even temporarily, plan for it from the start.
Essential focuses on inpatient treatment and emergency care. Special additionally includes outpatient benefits and preventive care, which are the benefits most often needed in daily life. Exclusive extends this with higher limits and broader dental cover.
Yes. Open-ended international health insurance with a lifelong coverage guarantee requires underwriting. Existing diagnoses can lead to surcharges or exclusions – concealing them puts your cover at risk in a claim.
Want to know which Foyer tier fits your plans abroad? Book a free initial consultation or start the insurance check.
We support emigrants and digital nomads in choosing their international health insurance. With Foyer Global Health it comes down to tier, area of cover and the question of returning.
Abroad, speed counts. We are available via WhatsApp, video call or phone – across time zones.
You see what Essential does not cover, what Special stands for and when Exclusive is worth the extra cost.
Family, target region and return plans decide the right tier – not the monthly premium alone.
On a change of country, a new family member or a return to Germany, we sort out the transitions in time.
