Foyer Global Health S.A. (also known under legal names Foyer Santé S.A. / DKV Globality S.A.)
Foyer Global Health
Foyer Global Health is a travel insurance for the Luxembourg market with online purchase and 24/7 assistance.
Direct payment
Foyer Global Health generally arranges direct billing with hospitals for inpatient treatment, while outpatient costs are typically paid upfront by the insured and reimbursed afterwards; specific arrangements for the PROTECT plan are not detailed in the reviewed documents.
Geographic scope
Worldwide (Region 1) or Worldwide excluding certain countries depending on the chosen Region 2 option, as defined in the Insurance Policy
If the Insurance Policy relates to Region 2 and the Insured Party temporarily travels outside of Region 2 for a maximum of six weeks, cover only applies for Emergencies, Accidents and death; if the Policy covers Region 1 (worldwide), certain benefit limits are doubled.
Unique selling points
- PROTECT uses a moratorium clause instead of full medical underwriting, automatically excluding only existing illnesses rather than requiring extensive health questionnaires.
- Designed specifically as a flexible short-term solution for expatriates living abroad for less than a year, with policy terms of up to 12 months.
- Includes 24/7 medical assistance services as a standard benefit even on this short-term entry-level product.
- Reimburses up to €3,000 for changed or cancelled hotel and flight bookings if a medical emergency forces the insured to delay their return journey.
- Backed by Foyer, Luxembourg's leading privately-owned insurance group with over 100 years of financial history.
Coverage limits
Medical expenses
Covered
No limit stated
The Insurer provides a 100% refund of eligible medical expenses up to the maximum annual limit specified in the Special Conditions, unless otherwise agreed; the exact monetary ceiling is not stated in the retrieved excerpts.
Emergency medical treatment abroad
Covered
No limit stated
PROTECT provides emergency medical treatment and related benefits for insured parties temporarily living abroad for less than one year; it is designed as a short-term insurance solution.
Hospitalization / inpatient treatment
Covered
No limit stated
Covers general hospital treatment and accommodation in a single or twin-bed room, medical services (pathology, radiology, CT, MRI), therapies, daily hospital allowance, and transport to the next suitable hospital after an accident or emergency; the specific annual limit was not found in the retrieved excerpts.
Outpatient treatment
Covered
No limit stated
Outpatient medical treatment, which can be performed in a doctor's surgery or hospital without overnight admission, is reimbursed less the agreed deductible; the exact annual limit was not found in the retrieved excerpts.
Emergency dental treatment
Covered
No limit stated
The Insured Party is free to choose any Doctor, Practitioner or Dentist; drugs and dressings prescribed by a dentist are covered, but the specific dental benefit limit for PROTECT was not found in the retrieved excerpts.
Medical transport
Covered
No limit stated
Transport to the next available suitable hospital for primary care after an accident or in an emergency is covered; a specific monetary limit was not found in the retrieved excerpts.
Medical evacuation
Covered
No limit stated
The Insurer organizes and pays for emergency medical evacuation and repatriation of the insured person; the exact monetary limit specific to PROTECT was not found in the retrieved excerpts.
Repatriation of mortal remains
Covered
No limit stated
Repatriation of mortal remains is included as part of the medical evacuation and repatriation benefit; the exact monetary limit was not found in the retrieved excerpts.
Search and rescue
No limit stated
Not addressed in the retrieved PROTECT documents.
COVID-19 treatment
No limit stated
Not addressed for the PROTECT plan specifically in the retrieved documents (unlimited COVID-19 reimbursement is advertised for the Essential/Special/Exclusive plans, not confirmed for PROTECT).
Pre-existing conditions
Excluded
Instead of a comprehensive medical risk assessment, a moratorium clause is applied: all existing illnesses and ongoing treatments are excluded from insurance cover under PROTECT.
Winter sports cover
No limit stated
Not addressed in the retrieved PROTECT documents.
Adventure sports cover
No limit stated
Not addressed in the retrieved PROTECT documents.
Pregnancy complications
No limit stated
Not addressed in the retrieved PROTECT documents.
Personal liability
No limit stated
Not addressed in the retrieved PROTECT documents.
Legal assistance
No limit stated
Not addressed in the retrieved PROTECT documents.
24/7 medical assistance
Covered
Round-the-clock medical guidance and assistance services are included as a standard benefit, considered a core component of PROTECT as a short-term solution.
Key conditions
Assistance call deadline
The policyholder or insured person must declare any claim to the insurer as soon as possible and within a reasonable timeframe; no fixed number of hours before treatment is specified in the reviewed PROTECT documents.
Unauthorized treatment
No specific penalty for unauthorized treatment is stated in the retrieved PROTECT documents.
Purchase while abroad
PROTECT is specifically designed as a short-term insurance solution for individuals living abroad for less than one year, with a maximum insurance period of 12 months.
Chronic conditions
Under the moratorium clause applied to PROTECT, all existing illnesses and ongoing treatments (which would include chronic diseases present before the policy start) are excluded from cover.
Pregnancy
Not specified in the reviewed PROTECT documents.
Pre-existing condition exclusions
Instead of a comprehensive medical risk assessment, a moratorium clause applies to PROTECT: all existing illnesses and ongoing treatments are excluded from cover.
Coverage duration limit
The maximum insurance period under PROTECT is 12 months.
Policy specifics
Medical emergency coverage while abroad
Emergency medical treatment and medical evacuation/repatriation services for insured parties abroad
SourceSource no longer reachableMaximum insurance period
The maximum insurance period for Protect is 12 months
SourceSource no longer reachablePre-existing conditions under moratorium clause
Instead of comprehensive medical risk assessment, a moratorium clause is applied; all existing illnesses and ongoing treatments are excluded from insurance cover
SourceSource no longer reachableDelayed return journey cost reimbursement
If return journey must be delayed due to medical emergency preventing travel, insurer reimburses costs to change/cancel hotel and flight bookings up to €3,000
SourceSource no longer reachableCoverage during temporary travel outside Region 2
If insurance relates to Region 2, temporary travel outside for maximum six weeks is covered only for emergencies, accidents and death
SourceSource no longer reachable24/7 Medical Assistance Services
Round-the-clock medical guidance and assistance services included as standard benefit
SourceSource no longer reachableMedical evacuation and repatriation
Insurer organizes and pays for emergency medical evacuation and repatriation of insured person or mortal remains
SourceSource no longer reachableClaim notification obligation
Policyholder or insured person must declare any claim to insurer as soon as possible and within reasonable timeframe
SourceSource no longer reachablePremium payment terms
Policyholder is obliged to pay insurance premiums in accordance with contract stipulations; first premium payable not later than policy issue date
SourceSource no longer reachableSources
- https://www.foyerglobalhealth.com/professionals/brokers/become-a-broker/Source no longer reachable