Foyer Global Health Travel insurance (Protect)
Underwritten by Foyer Global Health S.A. · Luxembourg
travel insurance from Foyer Global Health for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2024-03Sources
Key facts
- Foyer Global Health
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, a Luxembourg insurance group.
Coverage limits
Medical expenses
Covered
No limit stated
The Insurer provides a 100% refund of eligible medical expenses, subject to the maximum annual limit specified in the Insurance Policy's Special Conditions, unless otherwise agreed; the Special Conditions excerpts reviewed reference this annual limit without stating its monetary value.
Section: I. Special Conditions Foyer Global Health Protect > 5.2. Deductibles
Depending on the insurance plan taken out and the terms of the Insurance Policy, the Insurer shall provide 100% refund of eligible medical expenses up to the maximum annual limit specified in the present Special Conditions, unless otherwise agreed in the Insurance Policy.
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.
Section: I. Special Conditions Foyer Global Health Protect > 4. Duration
The insurance policy begins on the date specified in the Particular Conditions (policy effective date) and ends at the specified end-date. The maximum insurance period is 12 months.
Hospitalization / inpatient treatment
Covered
No limit stated
General hospital treatment is covered without any time limit for the inpatient stay itself, provided the Insurer's service centre is informed before or within three calendar days of admission. Specific inpatient sub-benefits carry their own sub-limits (e.g. congenital conditions up to EUR 100,000 lifetime, bone marrow/organ transplant up to EUR 150,000 lifetime, daily hospital allowance of EUR 75 per day, home nursing care up to 30 days per hospital stay per year, inpatient rehabilitation up to 21 days per stay, hospice care up to 5 weeks per year); no single overall monetary cap for inpatient treatment as a whole is stated in the excerpts reviewed.
Section: I. Special Conditions Foyer Global Health Protect > 5.3.2. Inpatient treatment > General hospital treatment and accommodation and care in a single or twin-bed room
The Insurance Policy covers the entire Medical Treatment received as inpatient treatment without any time limit, provided that the Insurer's service center is contacted and informed of the relevant hospital stay and Medical Treatment before, or within three calendar days of admission to the hospital.
Outpatient treatment
Covered
No limit stated
Outpatient medical treatment, performed in a doctor's surgery or hospital without overnight admission, is reimbursed at 100% less the agreed Deductible; Global Health Protect offers Deductible variants of EUR 0 or EUR 250 per Insurance Year and per Insured Party, applicable only to outpatient treatment. The Special Conditions do not state a single overall annual monetary limit for outpatient treatment as a whole; specific sub-benefits (e.g. acupuncture/homoeopathy EUR 1,000, over-the-counter drugs EUR 50, therapeutic aids EUR 750, physiotherapy 15 sessions) carry their own limits.
Section: I. Special Conditions Foyer Global Health Protect > 5.2. Deductibles > 5.2.1. Deductibles
The Global Health Protect plan has the following Deductible variants: EUR 0 EUR 250. The Deductible applies per Insurance Year and per Insured Party and only for outpatient treatment as defined under clause 5.3.3.
Emergency dental treatment
Covered
No limit stated
Emergency dental treatment covers treatment of mouth and gum disorders, all simple fillings (amalgam or plastic), root canal work, anaesthetist costs, surgery and extractions; the Special Conditions reviewed do not specify a separate monetary limit for this benefit.
Section: I. Special Conditions Foyer Global Health Protect > 5.3.4. Dental treatment > Emergency dental Treatment
Emergency dental Treatment Treatment of mouth and gum disorders All simple fillings - either amalgam (silver) or plastic (white) Root canal work Anesthetist costs Surgery Extractions
Medical transport
Covered
No limit stated
The Insurance Policy covers the reasonable costs of transport to the nearest suitable hospital or medical facility for primary care after an Accident or in an Emergency; the Special Conditions reviewed do not state a separate monetary cap for this benefit.
Section: I. Special Conditions Foyer Global Health Protect > 5.3.2. Inpatient treatment > Transport to the nearest next available suitable hospital for primary care after an accident or in an emergency
The Insurance Policy covers the reasonable transport costs to the nearest suitable hospital or to the nearest suitable medical facility.
Medical evacuation
€3K
If specifically agreed beforehand in writing by the Insurer and if medically necessary to transport the Insured Party for Medical Treatment, the Insurer reimburses the transportation costs (first class rail ticket, Economy Class flight) for the return trip to the country of habitual residence, up to a maximum of EUR 3,000 per Insured Party and Insurance Year.
Section: II. Terms and Conditions for Medical Assistance Services and Additional Services > 3.3. Additional Services > Return transport to the Country of Residence
If specifically agreed beforehand and in writing by the Insurer, and if it is Medically Necessary to transport the Insured party for a Medical Treatment, the Insurer shall reimburse the transportation costs (first class rail ticket, Economy Class flight) for the Insured party's return trip to its country of habitual residence, up to a maximum value of EUR 3,000 per Insured Party and per Insurance Year.
Repatriation of mortal remains
€10K
Transfer of the mortal remains of the Insured Party to the Country of Origin and the related formalities are reimbursed up to a maximum of EUR 10,000 per Insured Party and Insurance Year; transfer of the urn in the event of cremation is included, but funeral costs are not covered.
Section: II. Terms and Conditions for Medical Assistance Services and Additional Services > 3.3. Additional Services > Transfer of the mortal remains and organisational support in the event of death
Reimbursement of the costs for the transfer of the mortal remains of the Insured Party to the Country of Origin and the costs for the formalities associated with the transfer up to a maximum amount of EUR 10,000*.
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
Covered
No limit stated
If required, the Insurer arranges selected English-, German-, French- or Spanish-speaking lawyers/experts in the Insured Party's country of habitual residence; no monetary limit is specified for this service.
Section: II. Terms and Conditions for Medical Assistance Services and Additional Services > 3.3. Additional Services > Arrangement of legal assistance in the event of legal difficulties
If required, the Insurer shall provide selected English-, German-, French- or Spanish-speaking lawyers/experts in the country of habitual residence of the Insured Party.
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.
Section: II. Terms and Conditions for Medical Assistance Services and Additional Services > 3.2. Medical Assistance Services > 24-hour telephone and email service with experienced advisers, doctors and consultants
Medical assistance is available 24 hours a day, 7 days a week and 365 days a year by calling the medical assistance hotline.
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. It is available to persons who are temporarily residing abroad for at least 1 month and who are under the age of 55 when applying for insurance.
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.
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.
Territorial scope
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.
Documents
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
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/professionals/brokers/become-a-broker/(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=11(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=14(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=16(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=17(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=3(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=4(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=6(opens in a new tab)Source no longer reachable
- foyerglobalhealth.comhttps://www.foyerglobalhealth.com/wp-content/uploads/2024/10/FGHSCV2EN_PROTECT_20240301.pdf#page=8(opens in a new tab)Source no longer reachable