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Foyer Global Health S.A. (Foyer Group, Luxembourg)

Foyer Global Health (Essential / Special / Exclusive)

Last verified June 10, 2026 Reviewed by Henry van de Vorming Check current price (opens in a new tab)
Type
International health insurance
Price from
€80 /mo
From official FGH 01/2026 monthly premium table (issued by the insurer, retrieved via distribution partner reisepolice.com): age band 30-34, Essential plan, Pricing Zone 5 (Eastern Europe, e.g. Poland, Georgia, Croatia), 1,000 EUR deductible = 80 EUR/month; same age with 0 deductible = 150 EUR/month. Zone 4 (most of Western Europe, Australia, India, Indonesia, UAE etc.) Essential 30-34 = 119-189 EUR/month; Zone 1 (USA) Essential 30-34 = 451-548 EUR/month. Premiums are set per destination zone, age band and deductible (0/250/500/1000 EUR). Contract has a 12-month minimum duration with tacit annual renewal; premium can be paid monthly, quarterly or annually (insurer FAQ). Premium moves to the new age band after each birthday.
Maximum age
No cap stated
Coverage maximum
No overall annual or lifetime benefit limit: insurer FAQ states cover is unlimited with no annual cap for all plans, and the plan comparison page lists inpatient treatment (accommodation, surgery, drugs, hospital charges) as unlimited in all three plans. Sub-limits apply to specific benefits: maternity (not covered in Essential; 5,000 EUR Special; 20,000 EUR Exclusive), congenital conditions (100,000-200,000 EUR lifetime by plan), outpatient psychiatric care (1,000-10,000 EUR), major dental (about 2,000-5,000 EUR, Special/Exclusive only). Two region options: Region 1 worldwide, Region 2 worldwide excluding the USA (Region 2 policies cover only emergencies/accidents/death during trips of max six weeks outside Region 2). US permanent residents are not insurable. Note: insurer is rebranding to "Global Health" with new 5-level "Journey" plans launching 2026 (globalhealth.insurance); Essential/Special/Exclusive were still sold with 01/2026 premium tables at verification.
Home-country visits
Covered
Schengen €30k compliant
No / unclear

Strengths

  • No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
  • Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
  • Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans
  • Four deductible levels (0/250/500/1000 EUR) and monthly, quarterly or annual premium payment

Limitations

  • 12-month minimum contract with tacit annual renewal; insurer requires a stay abroad of at least 3 consecutive months and a foreseeable return home, so unsuitable for short trips
  • US permanent residents cannot be insured, and the policy terminates on permanent return to the home country
  • Premiums are age-banded and zone-based: the same Essential plan for a 30-34 year old ranges from 80 EUR/month (Zone 5, 1,000 EUR deductible) to 548 EUR/month (USA, no deductible)
  • Essential plan has no maternity cover and emergency-only dental; maternity, congenital, psychiatric and dental benefits carry sub-limits in all plans

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Links to Foyer Global Health S.A. (Foyer Group, Luxembourg) may be affiliate links — how we earn. Product facts come from the insurer’s official documents (sources below), not from reviews.

Sources