Global Health has developed the international health insurance plan Journey for people traveling abroad, including professionals, expats, entrepreneurs, emigrants, families, and digital nomads. Journey offers five plans with varying benefit levels, coverage limits, deductibles, and copayment options. Whether you are staying abroad for a short period or for the rest of your life, Journey provides suitable international health insurance solutions.
2.Coverage and Features
Journey consists of a Short-Term plan and a Long-Term plan with four levels of coverage. The plans are offered as comprehensive packages composed of multiple benefit modules. For example, it is not possible to remove Maternity coverage from a plan or apply for Inpatient coverage only.
There is a maximum entry age for the Short-Term plan. Applicants can enroll up to the age of 55.
Short-Term Plan
Maximum benefit limit of €500,000 per insured period.
Coverage is available for a maximum of 9 months.
Can be purchased for 3, 6, or 9 months.
Policies purchased for 3 or 6 months can be extended up to a maximum of 9 months.
No medical underwriting applies.
All pre-existing medical conditions are excluded from coverage.
Covers unforeseen hospital admissions and includes a very basic outpatient benefit with a maximum reimbursement of €2,000.
A mandatory 20% copayment applies to outpatient expenses.
Coverage includes accommodation in a private hospital room.
Inpatient coverage includes, among others, diagnostic investigations and tests (such as MRI and CT scans), surgery, intensive care, outpatient surgery, and certain therapies.
Long-Term Plans
The Long-Term Journey plans have no fixed duration. Coverage is automatically renewed annually with no maximum age limit.
Coverage levels (from lowest to highest): Basic, Extensive, Advanced and Premium
Key features:
Medical underwriting applies on covers Extensive, Enhanced and Premium
Cover Basic can be applied based on a moratorium clause.
Annual benefit limits range from €1,500,000 to unlimited.
All plans include outpatient coverage.
Outpatient benefit limits range from €2,000 to unlimited per insured person per year.
The Basic plan includes a mandatory 20% copayment on outpatient treatment.
The Basic plan has no deductible.
Extensive, Advanced, and Premium offer optional deductibles and copayment choices.
All coverage levels include accommodation in a private hospital room.
All plans provide essential inpatient benefits, including hospitalisation, surgery, medication, various therapies, oncology treatment, rehabilitation, and medical transportation.
Advanced and Premium include maternity coverage for pregnancy and childbirth, both inpatient and outpatient, subject to a 12-month waiting period.
Mental Health coverage is available from the Extensive level onwards
3.Advantages of Journey
All plans, from Short-Term through Premium, include outpatient coverage.
Pregnancy and childbirth are well covered from the Advanced level onwards, including routine maternity care and pregnancy-related complications.
Foyer offers favourable conditions for adding newborn babies to the policy. Provided the child is enrolled in time, newborns can generally be accepted without medical underwriting.
Wide choice of coverage options through four Long-Term coverage levels.
The Short-Term plan is ideal as a temporary bridging solution and can be arranged quickly due to the absence of medical underwriting.
Only two coverage regions are available, making the policy particularly suitable for people who do not wish to restrict themselves to a specific geographical area:
A. Worldwide excluding the USA
B. Worldwide including the USA
No new medical acceptance needed when you move from 1 country to another. Premium might change when you move to a country that the insurer deems more or less expensive.
4.Important Considerations
The Short-Term plan is not intended for long-term residence abroad and can only run for a maximum of 9 months.
Certain countries are excluded. The policy cannot be applied for if an excluded country is your country of residence. The quotation tool will notify you if an excluded country applies.
Waiting Periods
10 months for mental health treatment and certain dental treatments.
12 months for pregnancy and childbirth, including complications related to pregnancy or delivery.
24 months for preventive mastectomy due to breast cancer risk.
24 months for fertility treatments.
Additional points:
A newborn child can generally be added without medical underwriting, provided the mother has been continuously insured for at least 6 months.
Short-Term and Basic plans have no deductible and always include a mandatory 20% outpatient copayment.
The Short-Term plan cannot be re-applied for once the maximum 9-month period has been used.
Age Categories, Premium Calculation and cancellation
Foyer applies age bands when determining premiums, such as: 20–24, 25–29, 30–34, etc.
Only the year of birth is taken into account.
If you move into a higher age category during the calendar year, the higher premium will already apply, even if you have not yet reached that age.
Example:
You are currently 29 years old and will turn 30 in November. You request a quotation and take out the policy in February. In this case, you will already pay the premium for the 30–34 age category, even though you are still 29 at the time of application.
The insurance has a minimum term of one year, after which it may be cancelled annually as of the policy renewal date.
Cancellation during the policy term is permitted only upon return to the country of origin and subject to the submission of proof of mandatory local insurance in that country.
5.Premiums, Discounts and Benefits
Certain countries are excluded as countries of residence; this means that the insurance cannot be applied for if you live in one of those countries. You will notice this automatically when using the application module: if your country of residence cannot be selected from the list in the module, Foyer is unfortunately unable to accept you as an insured person.
Premiums are based on age bands and your year of birth, as described above.
Medical report from age 65 Applicants that are 65 or become 65 in the current year and older must have a medical report drawn up by a doctor, at their own expense, and submit it after completing the online application. The doctor must use this medical examination form.
Applying on paper A PDF application form is also available. Contact us if you would like to receive a copy.
7.Services After Your Policy Starts
In collaboration with Teladoc Health, the insurance provides free and unlimited access to telemedicine services.
Available in four languages: English, French, German and Spanish
Services include:
Online medical consultations
Second medical opinions
Mental health coaching
Additional services:
A comprehensive client portal for submitting claims and tracking claim history and outstanding payments.
Service hubs located around the world providing medical assistance and support with claims-related matters.
