Global Health Journey

Foyer has developed the international health insurance plan Journey for people with a wide variety of plans abroad, including professionals, entrepreneurs, families, and digital nomads. Journey offers five different plans with varying levels of benefits, 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.

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.
• The policy can also be applied for on a moratorium basis.
• 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

• 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

• 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 and Premium Calculation

• 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.

• Certain countries are excluded from eligibility. If your country of residence is excluded, the insurance cannot be applied for.
• The quotation module will automatically indicate if an excluded country applies.
• Premiums are based on age bands and your year of birth, as described above.

Apply for the insurance via the

Online application module of Global Health Journey

Applications can be submitted through the online application module. You may apply up to 3 months before the desired start date, but not earlier.

Step 1: Choose Short-Term or Long-Term Coverage

• You will first be asked whether you require coverage for more than 9 months.
• Select No to view the Short-Term option.
• Select Yes to continue with the Long-Term insurance plans.

Applying for the Short-Term Plan

• Start by generating a premium quotation.
• The quotation is initially shown for a 3-month period.
• You can later adjust the duration to 6 or 9 months.
• If you require USA coverage, this can be selected during the quotation process.
• No medical questions are asked and no medical underwriting applies.
• You will be asked whether you have previously held health insurance coverage.
• Finally, enter the details of the policyholder and insured persons.

Applying for a Long-Term Plan

• Begin by generating a premium quotation and selecting your preferred coverage level.
• If you require USA coverage, make sure this option is selected.
• Optionally choose a deductible and/or copayment.
• To proceed with the application, select **Subscribe**.
• The application process starts with a health declaration, followed by personal information for all persons to be insured.
• You can save your progress and continue the application later. This is particularly useful if you need time to gather medical or personal information.

PDF Application Form

• It is also possible to apply using a PDF application form. Please contact us if you would like to receive a copy.

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.

• Journey Brochure (ENG)
• Journey Dekkingsoverzicht (ENG)
• Journey Algemene voorwaarden (ENG) 
• Journey Speciale voorwaarden (ENG)  

We are happy to answer your questions. Fill out the contact form here.