International Health Insurance for Expatriates

Frequently Asked Questions by our expat health insurance customers

• How does international health insurance work?

  International health insurance is medical coverage designed to protect anyone expatriating or living abroad. It offers you peace of mind in the event of unforeseen health problems during your expatriation: you can benefit from the best medical care without worrying about the costs involved.

  Healthcare systems vary from country to country in terms of quality, coverage, costs and access to care. The healthcare services in the country to which you are planning to expatriate may be very different from those in your current country, with a marked difference between public and private healthcare services.

  If you’re moving abroad for work purposes, your employer may be able to offer you suitable private medical cover. In any other situation, international health insurance will be essential to protect you and any family members who may accompany you. To find out more about our range of products, take a look at our different cover options.

• What is a first euro health insurance?

  Foyer Global Health insurance is one of these private health insurance at the first euro, what does this term mean? Quite simply, we reimburse your health expenses from the first euro spent, if you opt for a contract with no deductible. This is a time saving and simple solution for expatriates who have only one direct contact for their reimbursement request.

• Why an International Health Insurance is not a Travel Insurance?

  International Health insurance, also referred to as International Private Medical Insurance, or IPMI, is intended for people who are going to live abroad for several months or years. If you plan an expatriation for over 3 months, then a worldwide health insurance is a must. It is meant for expats, students, globetrotters, families going abroad on a sabbatical, etc. Literally, any planning to live abroad for a mid to long-term duration.

  Travel insurance are designed for short stay only, usually less than three months, and primarily for people going for a holiday, for sightseeing or visiting family and friends abroad. It is not suited for individuals or families who are planning to reside abroad for many months as the cover is usually far more limited.

• What are the benefits of an international health insurance?

  The perks of an international health insurance are the flexibility and the convenience of having a comprehensive worldwide coverage. You can ask for a customized plan that will cover in many different countries, so you can travel out of your new residence country without limit. You are not only cover for emergency, evacuation and repatriation, but also for regular check-ups and day-to-day medical expenses. For all these reasons, expat health insurance is the best solution for an expat and his family.

  With Foyer Global Health, you can choose between different levels of coverage at a competitive pricing, depending on your specific needs. And for all plans, the coverage is unlimited: there is no annual limit, so do not have to worry in case of serious illness or major issues.

• Why is it important for expats to have an International Health Insurance?

  As an expat, you have specific health needs since you are going to live abroad for a long period of time. You will need to be covered for both emergency situations and daily care. An international medical insurance gives you the guarantee that you will get quality private health care regardless of which country you move to and whatever local healthcare system is in place. You will be covered in your home country as well as in your country of expatriation. Believe us, an international health insurance is a must for every expat abroad!

• What countries are covered by an International Health Insurance?

  An international health insurance is designed to cover you both in your home country and in countries around the world. It gives you access to care in all the hospitals, clinics and doctors closest to you, regardless of your destination country. Your health coverage is therefore international. However, if you are going to a country under international sanctions, we reserve the right to carry out additional checks (on banking, etc.). To find out if your destination is on the list of countries under sanctions, contact our experts.