Supporting international lifestyles with flexible health plans
From short stays to long-term relocations, Journey gives you full protection in your host country and wherever you go. Access quality healthcare worldwide, from emergency treatment to preventive and routine care. Professionals, families, digital nomads: our coverage offers the right health solution to all profiles and budgets.
Flexible and easy to understand
From entry-level protection to unlimited coverage, choose the best option for you. Keep control over the costs by adjusting deductibles and co-payments.
Global assistance network
Our decentralised network of experts covers all the different parts of the world, allowing local knowledge and expertise in multiple languages.
Free and unlimited digital services
Through your client portal and telemedicine app, manage your contract and claims easily, and access all your ecare services in one click.
YouGenio® for Germany is our health insurance plan specifically designed for individuals relocating to Germany for work, study, or long-term stays. YouGenio® for Germany offers two plan levels: Plus and Top. Both plans feature improved inpatient, outpatient, and dental care worldwide and offer various deductible options to ensure your insurance coverage matches your needs.
Choose from 5 levels of plans with different range of benefits and coverage limits. Opt for two geographical areas of cover: worldwide, or worldwide without USA – for extensive global protection for every trip. Find the Journey that matches your needs and feels like home, wherever you are.
Parent accommodation during inpatient Treatment of a minor child
Nursing care at home
30 days
60 days
90 days
Substitute Hospital Cash Plan Benefit
Follow-up rehabilitation
14 days
14 days
21 days
28 days
35 days
Hospice
5 weeks
7 weeks
9 weeks
Day care
Transport to the nearest hospital
Inpatient dental treatment
Emergency dental treatment
Outpatient treatment
Max outpatient limit
€2,000
€2,000
€12,000
Unlimited
Unlimited
Consultations
80%
80%
Outpatient surgery
Cancer treatment
€10,000
Alternative medicine
€750
€2,500.00
€5,000.00
Speech therapy
20 sessions
Drugs and dressings
80%
80%
Over-the-counter drugs
€50
€75
€100
Physiotherapy
15 sessions
20 sessions
Therapies
10 sessions
Therapeutic aids and appliances
€1,000
€2,000
Wigs and prosthetic bras following Cancer Treatment
Podiatry
€100
€200
Transport to the nearest hospital
Infertility treatment
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
30 days
40 days
60 days
Inpatient psychotherapy
20 sessions
20 sessions
Outpatient Treatment
Psychiatric treatment
€1,000
€5,000
€10,000
Outpatient psychotherapy
10 sessions
20 sessions
Health checks
€250
€500
€1,000
Vaccinations
€500
Nutritional consultation
€400
Maternity
Inpatient treatment
Maternity care
€5,000
€20,000
Complications (pregnancy and childbirth)
Nursing care at home
5 days
5 days
Newborn care
Outpatient Treatment
Maternity care
€5,000
€10,000
Complications (pregnancy and childbirth)
€5,000
Outpatient childbirth cash benefit
Vision and Dental
Vision aids
€300 every two years
€750 every two years
Dental Treatment
Max dental limit
€250
Minor dental services
Screenings
2 screenings
2 screenings
2 screenings
X-rays
Scale-and-polish cleaning
Treating oral mucosa and paradontium
Simple fillings
Surgery, extractions
Inclusion of an occlusal splint
Accidental dental treatment
Major dental services
Reimbursement for the following benefits up to €2,000
Reimbursement for the following benefits up to €5,000
Dentures
Implants
Orthodontic
Dental laboratory work
Treatment plan
Medical Assistance
24h phone and e-mail service with counsellors
Medical evacuation
Info on medical infrastructure
Guarantee of payment
Return of mortal remains
€2,500
€2,500
€5,000
€10,000
€25,000
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
Online services
Additional Assistance
Family visit
€1,500
€3,000
Return to country of residence
€1,500
€3,000
Delayed return trip
€1,000
€2,000
Getting hold of and shipping vital Medication
Return transport or care for children
Help for legal difficulties
Help with psychological problems possibly caused by the stay abroad
Telemedicine
Annual limit, for all benefits listed above
Max annual limit
€ 500,000
€ 1,500,000
€ 3,000,000
unlimited
unlimited
Included
Not included
Additional information
Journey
SHORT
Inpatient treatment
Accommodation
✓
Consultations
✓
Hospital charges
✓
Surgery and anaesthetics
✓
Drugs and dressings
✓
Physiotherapy and therapies
✓
Therapeutic aids and appliances
✓ⓘ
Congenital conditions
Cancer treatment
✓
Prophylactic mastectomy surgery
Dialysis
Bone marrow, organ transplants
Parent accommodation during inpatient Treatment of a minor child
✓
Nursing care at home
Substitute Hospital Cash Plan Benefit
Follow-up rehabilitation
14 days
ⓘ
Hospice
Day care
✓
Transport to the nearest hospital
✓
Inpatient dental treatment
Emergency dental treatment
Outpatient treatment
Max outpatient limit
€2,000
Consultations
80%
ⓘ
Outpatient surgery
Cancer treatment
€10,000
Alternative medicine
Speech therapy
Drugs and dressings
80%
ⓘ
Over-the-counter drugs
Physiotherapy
Therapies
Therapeutic aids and appliances
Wigs and prosthetic bras following Cancer Treatment
Podiatry
Transport to the nearest hospital
✓
Infertility treatment
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
Inpatient psychotherapy
Outpatient Treatment
Psychiatric treatment
Outpatient psychotherapy
Health checks
Vaccinations
Nutritional consultation
Maternity
Inpatient treatment
Maternity care
Complications (pregnancy and childbirth)
Nursing care at home
Newborn care
Outpatient Treatment
Maternity care
Complications (pregnancy and childbirth)
Outpatient childbirth cash benefit
Vision and Dental
Vision aids
Dental Treatment
Max dental limit
Minor dental services
Screenings
X-rays
Scale-and-polish cleaning
Treating oral mucosa and paradontium
✓
Simple fillings
Surgery, extractions
Inclusion of an occlusal splint
Accidental dental treatment
Major dental services
Dentures
Implants
Orthodontic
Dental laboratory work
Treatment plan
Medical Assistance
24h phone and e-mail service with counsellors
✓
Medical evacuation
✓
Info on medical infrastructure
✓
Guarantee of payment
✓
Return of mortal remains
€2,500
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
✓
Online services
✓
Additional Assistance
Family visit
Return to country of residence
Delayed return trip
Getting hold of and shipping vital Medication
Return transport or care for children
Help for legal difficulties
Help with psychological problems possibly caused by the stay abroad
Telemedicine
✓
Annual limit, for all benefits listed above
Max annual limit
€ 500,000
Journey
BASIC
Inpatient treatment
Accommodation
✓
Consultations
✓
Hospital charges
✓
Surgery and anaesthetics
✓
Drugs and dressings
✓
Physiotherapy and therapies
✓
Therapeutic aids and appliances
✓ⓘ
Congenital conditions
€100,000
ⓘ
Cancer treatment
✓
Prophylactic mastectomy surgery
Dialysis
Bone marrow, organ transplants
€150,000
ⓘ
Parent accommodation during inpatient Treatment of a minor child
✓
Nursing care at home
Substitute Hospital Cash Plan Benefit
✓ⓘ
Follow-up rehabilitation
14 days
ⓘ
Hospice
Day care
✓
Transport to the nearest hospital
✓
Inpatient dental treatment
Emergency dental treatment
Outpatient treatment
Max outpatient limit
€2,000
Consultations
80%
ⓘ
Outpatient surgery
Cancer treatment
✓
Alternative medicine
Speech therapy
Drugs and dressings
80%
ⓘ
Over-the-counter drugs
Physiotherapy
Therapies
Therapeutic aids and appliances
Wigs and prosthetic bras following Cancer Treatment
Podiatry
Transport to the nearest hospital
✓
Infertility treatment
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
Inpatient psychotherapy
Outpatient Treatment
Psychiatric treatment
Outpatient psychotherapy
Health checks
Vaccinations
Nutritional consultation
Maternity
Inpatient treatment
Maternity care
Complications (pregnancy and childbirth)
Nursing care at home
Newborn care
Outpatient Treatment
Maternity care
Complications (pregnancy and childbirth)
Outpatient childbirth cash benefit
Vision and Dental
Vision aids
Dental Treatment
Max dental limit
Minor dental services
Screenings
X-rays
Scale-and-polish cleaning
Treating oral mucosa and paradontium
✓
Simple fillings
Surgery, extractions
Inclusion of an occlusal splint
Accidental dental treatment
Major dental services
Dentures
Implants
Orthodontic
Dental laboratory work
Treatment plan
Medical Assistance
24h phone and e-mail service with counsellors
✓
Medical evacuation
✓
Info on medical infrastructure
✓
Guarantee of payment
✓
Return of mortal remains
€2,500
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
✓
Online services
✓
Additional Assistance
Family visit
Return to country of residence
Delayed return trip
Getting hold of and shipping vital Medication
Return transport or care for children
Help for legal difficulties
Help with psychological problems possibly caused by the stay abroad
Telemedicine
✓
Annual limit, for all benefits listed above
Max annual limit
€ 1,500,000
Journey
EXTENSIVE
Inpatient treatment
Accommodation
✓
Consultations
✓
Hospital charges
✓
Surgery and anaesthetics
✓
Drugs and dressings
✓
Physiotherapy and therapies
✓
Therapeutic aids and appliances
✓ⓘ
Congenital conditions
€100,000
ⓘ
Cancer treatment
✓
Prophylactic mastectomy surgery
Dialysis
€1,000,000
ⓘ
Bone marrow, organ transplants
€150,000
ⓘ
Parent accommodation during inpatient Treatment of a minor child
✓
Nursing care at home
30 days
Substitute Hospital Cash Plan Benefit
✓ⓘ
Follow-up rehabilitation
21 days
ⓘ
Hospice
5 weeks
Day care
✓
Transport to the nearest hospital
✓
Inpatient dental treatment
Emergency dental treatment
✓
Outpatient treatment
Max outpatient limit
€12,000
Consultations
✓ⓘ
Outpatient surgery
✓ⓘ
Cancer treatment
✓
Alternative medicine
€750
ⓘ
Speech therapy
Drugs and dressings
✓ⓘ
Over-the-counter drugs
€50
ⓘ
Physiotherapy
15 sessions
ⓘ
Therapies
Therapeutic aids and appliances
€1,000
ⓘ
Wigs and prosthetic bras following Cancer Treatment
✓ⓘ
Podiatry
Transport to the nearest hospital
✓
Infertility treatment
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
30 days
Inpatient psychotherapy
Outpatient Treatment
Psychiatric treatment
€1,000
Outpatient psychotherapy
Health checks
€250
Vaccinations
Nutritional consultation
Maternity
Inpatient treatment
Maternity care
Complications (pregnancy and childbirth)
Nursing care at home
Newborn care
Outpatient Treatment
Maternity care
Complications (pregnancy and childbirth)
Outpatient childbirth cash benefit
Vision and Dental
Vision aids
Dental Treatment
Max dental limit
€250
Minor dental services
Screenings
2 screenings
ⓘ
X-rays
✓ⓘ
Scale-and-polish cleaning
✓ⓘ
Treating oral mucosa and paradontium
✓ⓘ
Simple fillings
✓ⓘ
Surgery, extractions
✓ⓘ
Inclusion of an occlusal splint
✓ⓘ
Accidental dental treatment
✓ⓘ
Major dental services
Dentures
Implants
Orthodontic
Dental laboratory work
Treatment plan
Medical Assistance
24h phone and e-mail service with counsellors
✓
Medical evacuation
✓
Info on medical infrastructure
✓
Guarantee of payment
✓
Return of mortal remains
€5,000
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
✓
Online services
✓
Additional Assistance
Family visit
Return to country of residence
Delayed return trip
Getting hold of and shipping vital Medication
Return transport or care for children
Help for legal difficulties
Help with psychological problems possibly caused by the stay abroad
Telemedicine
✓
Annual limit, for all benefits listed above
Max annual limit
€ 3,000,000
Journey
ADVANCED
Inpatient treatment
Accommodation
✓
Consultations
✓
Hospital charges
✓
Surgery and anaesthetics
✓
Drugs and dressings
✓
Physiotherapy and therapies
✓
Therapeutic aids and appliances
✓ⓘ
Congenital conditions
€150,000 ⓘ
Cancer treatment
✓
Prophylactic mastectomy surgery
Dialysis
€1,500,000
ⓘ
Bone marrow, organ transplants
€250,000
ⓘ
Parent accommodation during inpatient Treatment of a minor child
✓
Nursing care at home
60 days
Substitute Hospital Cash Plan Benefit
✓ⓘ
Follow-up rehabilitation
28 days
ⓘ
Hospice
7 weeks
Day care
✓
Transport to the nearest hospital
✓
Inpatient dental treatment
✓
Emergency dental treatment
✓
Outpatient treatment
Max outpatient limit
Unlimited
Consultations
✓
Outpatient surgery
✓
Cancer treatment
✓
Alternative medicine
€2,500.00
ⓘ
Speech therapy
20 sessions
Drugs and dressings
✓
Over-the-counter drugs
€75
Physiotherapy
20 sessions
Therapies
10 sessions
Therapeutic aids and appliances
€2,000
Wigs and prosthetic bras following Cancer Treatment
✓ⓘ
Podiatry
€100
Transport to the nearest hospital
✓
Infertility treatment
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
40 days
Inpatient psychotherapy
20 sessions
Outpatient Treatment
Psychiatric treatment
€5,000
Outpatient psychotherapy
10 sessions
Health checks
€500
Vaccinations
€500
Nutritional consultation
Maternity
Inpatient treatment
Maternity care
€5,000
Complications (pregnancy and childbirth)
✓
Nursing care at home
5 days
Newborn care
✓
Outpatient Treatment
Maternity care
€5,000
Complications (pregnancy and childbirth)
€5,000
Outpatient childbirth cash benefit
✓ⓘ
Vision and Dental
Vision aids
€300 every two years
Dental Treatment
Max dental limit
Minor dental services
Screenings
2 screenings
ⓘ
X-rays
✓
Scale-and-polish cleaning
✓
Treating oral mucosa and paradontium
✓
Simple fillings
✓
Surgery, extractions
✓
Inclusion of an occlusal splint
✓
Accidental dental treatment
✓
Major dental services
Reimbursement
for the following
benefits up to
€2,000
Dentures
✓
Implants
✓
Orthodontic
✓
Dental laboratory work
✓
Treatment plan
✓
Medical Assistance
24h phone and e-mail service with counsellors
✓
Medical evacuation
✓
Info on medical infrastructure
✓
Guarantee of payment
✓
Return of mortal remains
€10,000
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
✓
Online services
✓
Additional Assistance
Family visit
€1,500
Return to country of residence
€1,500
Delayed return trip
€1,000
Getting hold of and shipping vital Medication
✓
Return transport or care for children
Help for legal difficulties
Help with psychological problems possibly caused by the stay abroad
✓ⓘ
Telemedicine
✓
Annual limit, for all benefits listed above
Max annual limit
unlimited
Journey
PREMIUM
Inpatient treatment
Accommodation
✓
Consultations
✓
Hospital charges
✓
Surgery and anaesthetics
✓
Drugs and dressings
✓
Physiotherapy and therapies
✓
Therapeutic aids and appliances
✓
Congenital conditions
€200,000 ⓘ
Cancer treatment
✓
Prophylactic mastectomy surgery
✓ⓘ
Dialysis
€2,000,000
ⓘ
Bone marrow, organ transplants
✓
Parent accommodation during inpatient Treatment of a minor child
✓
Nursing care at home
90 days
Substitute Hospital Cash Plan Benefit
✓ⓘ
Follow-up rehabilitation
35 days
ⓘ
Hospice
9 weeks
Day care
✓
Transport to the nearest hospital
✓
Inpatient dental treatment
✓
Emergency dental treatment
✓
Outpatient treatment
Max outpatient limit
Unlimited
Consultations
✓
Outpatient surgery
✓
Cancer treatment
✓
Alternative medicine
€5,000.00
ⓘ
Speech therapy
✓
Drugs and dressings
✓
Over-the-counter drugs
€100
Physiotherapy
✓
Therapies
✓
Therapeutic aids and appliances
✓
Wigs and prosthetic bras following Cancer Treatment
✓ⓘ
Podiatry
€200
Transport to the nearest hospital
✓
Infertility treatment
✓ⓘ
Mental health and wellbeing
Inpatient Treatment
Psychiatric treatment
60 days
Inpatient psychotherapy
20 sessions
Outpatient Treatment
Psychiatric treatment
€10,000
Outpatient psychotherapy
20 sessions
Health checks
€1,000
Vaccinations
✓
Nutritional consultation
€400
Maternity
Inpatient treatment
Maternity care
€20,000
Complications (pregnancy and childbirth)
✓
Nursing care at home
5 days
Newborn care
✓
Outpatient Treatment
Maternity care
€10,000
Complications (pregnancy and childbirth)
✓
Outpatient childbirth cash benefit
✓ⓘ
Vision and Dental
Vision aids
€750 every two years
Dental Treatment
Max dental limit
Minor dental services
Screenings
2 screenings
ⓘ
X-rays
✓
Scale-and-polish cleaning
✓
Treating oral mucosa and paradontium
✓
Simple fillings
✓
Surgery, extractions
✓
Inclusion of an occlusal splint
✓
Accidental dental treatment
✓
Major dental services
Reimbursement
for the following
benefits up to
€5,000
Dentures
✓
Implants
✓
Orthodontic
✓
Dental laboratory work
✓
Treatment plan
✓
Medical Assistance
24h phone and e-mail service with counsellors
✓
Medical evacuation
✓
Info on medical infrastructure
✓
Guarantee of payment
✓
Return of mortal remains
€25,000
Additional appropriate medical support (information on the nature, possible causes and possible Treatment of an illness)
✓
Online services
✓
Additional Assistance
Family visit
€3,000
Return to country of residence
€3,000
Delayed return trip
€2,000
Getting hold of and shipping vital Medication
✓
Return transport or care for children
✓
Help for legal difficulties
✓
Help with psychological problems possibly caused by the stay abroad
✓ⓘ
Telemedicine
✓
Annual limit, for all benefits listed above
Max annual limit
unlimited
Waiting periods (time you must wait after your insurance starts before certain benefits become covered) may apply. Please refer to the Special Conditions for full details. For example: – 12 months for pregnancy and childbirth – 10 months for psychiatric treatment, psychotherapy, and major dental services
FAQ: Everything you need to know about your health coverage
We answered our members’ most frequently asked questions regarding our coverage plans. If you don’t find the answer you’re looking for here, just reach out.
or you can pick a topic below that matches your questions.
What is a first euro health insurance?
A first euro health insurance reimburses your medical expenses from the very first euro spent, without relying on a local healthcare system. Global Health insurance is one of these private health insurance solutions. Quite simply, we reimburse your health expenses from the first euro spent if you opt for a contract with no deductible. This is a simple and time-saving solution for expatriates who benefit from a single contact for reimbursement requests.
What does an international health insurance cover?
International health insurance generally covers essential medical care when you live or travel abroad for longer periods. This usually includes:
Inpatient and outpatient treatment
Emergency medical care
Prescription medication
Preventive care and check-ups
Medical evacuation and repatriation
Coverage varies by insurer and plan, so it’s important to check the details of your specific policy.
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.
Is international health insurance mandatory for expatriates?
International health insurance is not always mandatory, but many countries require proof of health coverage for residence permits, long‑term visas, or work permits. Even when it’s not legally required, expatriates are strongly advised to have international health insurance to ensure access to quality medical care abroad and to avoid high out‑of‑pocket costs.
For whom can I apply for Global Health international health insurance?
If your expatriation also involves your family members, it is quite possible to add them to your insurance policy.
You must declare one of the members as the policyholder, the other persons being the insureds of the contract. The policyholder is the person who enters into the contract and is therefore responsible for paying the insurance premium. There is no limit to the number of insureds in the same family for a single policy. Global Health also offers the option of adding a newborn child to your policy from birth. To do so, we require that one parent is already insured with us, as well as a copy of the birth certificate.
How do reimbursements work with Global Health insurance?
Reimbursements usually follow a simple process. After receiving medical care, you submit your medical invoices, prescriptions, and payment proof through the insurer’s online portal or app. The insurer reviews the documents and, if the treatment is covered, refunds the eligible amount directly to your bank account.
For larger treatments or hospital stays, many insurers also offer direct billing, meaning the provider bills the insurer directly, and you don’t have to pay upfront.
Processing times vary by insurer, but straightforward claims are typically reimbursed within a few days.
How much does international health insurance cost and how long does it last?
You can choose at which frequency you want to pay the insurance premium (monthly, quarterly, annually) and the method of payment. This latter will vary depending on your age, destination, deductible and medical conditions assessment. Insurance plans with Global Health have a minimum duration of one year, they are then renewed every year at the anniversary date.
No information found
A new brand built on two stories
As we move forward on an exciting journey to unite our two former brands, Foyer Global Health and Globality Health, you may still come across documents, visuals, or materials carrying the previous names.
Our teams are carefully harmonising every detail to ensure our new brand Global Health carries the best of what each former brand stood for.
So if you spot a familiar logo or an older document, rest assured:
– It is part of the merge-in-progress. –All services remain fully active and unchanged. –Your experience and trust remain our top priority.
Thank you for your patience as we write this new chapter together. The transition takes time and we want to do it right.
Have a question?
Call or email us today to discuss your individual healthcare needs. We will be happy to help you find the plan that works best for you and your beloved ones.
Give us a call:
+352 270 444 1002
You can also reach us by email. We will get back to you as soon as possible.