FOYER GLOBAL HEALTH SPECIAL

Global Expat Health Insurance

Enjoy our most chosen health insurance plan wherever you are

Special is the right global expat health insurance for you if
you require comprehensive cover, and seek peace of mind in any situation
during your expatriation experience.

Special is chosen because of the balanced combination of benefits and bonuses. With its comprehensive protection, which includes preventive and all kind of medical treatments and a complete package of dental treatments, it offers the right insurance cover for the professional single and for the family.

To move your life abroad, you need an international health insurance, a travel insurance is not good enough.

Insurance Product Information Document (IPID)

Discover our Benefits and Services

SPECIAL health coverage : the plan in detail

Impatient treatment

	Special	Exclusive
Accommodation in a private or semi-private room
Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine)
Hospital charges, including operating theatres, intensive care wards and laboratories
Surgery and anaesthetics
Outpatient surgery instead of inpatient treatment
Drugs and dressings
Physiotherapy, including massages
Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy
Therapeutic aids and appliances		If needed as a lifesaving measure, Such as cardiac Pacemakers Up to €2,000 for therapeutic aids and appliances, such as artificial limbs and prostheses
Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital	Up to €5,000 Waiting period of 10 months	Up to €5,000 Waiting period of 10 months
Complications of pregnancy and childbirth	Waiting period of 10 months	Waiting period of 10 months
Newborn care
Congenital conditions	Up to a maximum of €150,000 per lifetime	Up to a maximum of €200,000 per lifetime
Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer
Bone marrow and organ transplants (costs for donor and receiver)	Up to a maximum of €200,000 per lifetime
Psychiatric treatment	after written pre-approval/waiting period of 10 months	after written pre-approval/waiting period of 10 months
Inpatient psychotherapy	after written pre-approval/waiting period of 10 months	after written pre-approval/waiting period of 10 months
Nursing care at home and domestic help, instead of a hospital stay	Up to 60 days after written pre-approval	Up to 90 days after written pre-approval
Substitute hospital cash plan benefit, for treatments not claimed with us.	€150 per day	€200 per day
Inpatient follow-up rehabilitation	Up to 28 days after written pre-approval	Up to 35 days after written pre-approval
Hospice	up to 7 weeks	up to 9 weeks
Day care
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency

Outpatient
treatment

	Special	Exclusive
Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine)
Chemotherapy, oncological drugs and treatment
Health Checks	up to €250	up to €500
Maternity care and childbirth, services of a midwife or obstetric nurse	Up to €5,000 EUR Waiting period of 10 months	Up to €20,000 EUR Waiting period of 10 months
Complications of pregnancy and childbirth	Waiting period of 10 months	Waiting period of 10 months
Congenital conditions	Up to a maximum of €150,000 per lifetime	Up to a maximum of €200,000 per lifetime
Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings	up to €2,500	up to €5,000
Speech therapy	after written pre-approval	after written pre-approval
Psychiatric treatment	Up to €5,000 after written pre-approval/ Waiting period of 10 months	after written pre-approval/ Waiting period of 10 months
Outpatient psychotherapy	after written pre-approval	after written pre-approval
Drugs and dressings
Over-the-counter drugs	up to €75	up to €100
Physiotherapy, including massages	Up to 20 sessions
Therapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy	Up to 10 sessions
Therapeutic aids and appliances	up to €1,000
Vaccinations and immunization	up to €250
Vision aids, including an eye test	up to €150	up to €250
Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency
Infertility treatment	50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months	50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months

Major dental
services

	Special	Exclusive
Major dental services	Reimbursement for the following benefits up to €2,000 Waiting period of 10 months	Reimbursement for the following benefits up to €5,000 Waiting period of 10 months
Dentures (for example, prostheses, bridges and crowns, inlays)
Implants	Up to four implants per jaw and the dentures to be secured to these implants	Up to four implants per jaw and the dentures to be secured to these implants
Orthodontic treatment
Dental laboratory work and materials
Treatment plan
Accidental dental treatment

Medical Assistance

	Special	Exclusive
24-hour phone and email service with experienced counsellors, doctors and specialists
Evacuation and Repatriation
Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages)
Support and information (by our medical service, second opinion, monitoring the course of the illness)
Guarantee of payment (GOP) (preparing for a stay in hospital)
Advance payment
Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms
Support in organising a “doctor-to-doctor” discussion
Assistance in choosing the prescribed medication, comparable preparations and their side effects
Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit)

Additional
assistance (optional)

	Special	Exclusive
Return travel to the country of residence	In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000	In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
Compassionate family visit	up to €3,000	up to €3,000
Delayed return trip	up to €3,000	up to €3,000
Getting hold of and shipping vital medication
Return transport or care for children
Help with psychological problems possibly caused by the stay abroad	Psychological and therapeutic help by phone Up to five calls	Psychological and therapeutic help by phone Up to five calls
Return of mortal remains	up to €10,000	up to €10,000
Document storage (safe custody, help in getting replacements)	up to €10,000	up to €10,000
Organizing help if you have legal difficulties
Arranging intercultural training (ex: information on local culture)
Arrangement of a relocation service

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	Special	Exclusive
Two preventive check-ups per insurance year
X-rays
Scale-and-polish cleaning
Treating oral mucosa and gingiva
Simple fillings
Surgery, extractions, root-canal treatment
Night guard
Accidental dental treatment