YouGenio®
The health coverage for expats in Germany
A new brand built on two stories
As we move forward on an exciting journey to unite our two former brands, 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 as right as possible.
Looking to join this insurance plan?
We have made it easy for both individuals and brokers to access our YouGenio® for Germany application form. Download the form, fill it in, and send it to the email address to complete your request.
YouGenio® for Germany
Application form
Our plan levels
YouGenio® for Germany is available to German residents currently living in Germany or expats from other countries moving to Germany.
YouGenio® for Germany
PLUS
YouGenio® for Germany
TOP
Benefits
Deductibles for outpatient treatment
PLUS – Deductibles for outpatient treatment :
With or without optional deductible of:
€250 / $325 / £210
€500 / $650 / £420
€1,000 / $1,300 / £840
€250 / $325 / £210
€500 / $650 / £420
€1,000 / $1,300 / £840
TOP – Deductibles for outpatient treatment :
With or without optional deductible of:
€250 / $325 / £210
€500 / $650 / £420
€1,000 / $1,300 / £840
€250 / $325 / £210
€500 / $650 / £420
€1,000 / $1,300 / £840
Inpatient treatment
Accommodation in a private or semi-private room
PLUS – Accommodation in a private or semi-private room :
TOP – Accommodation in a private or semi-private room :
Medical treatment
PLUS – Medical treatment :
TOP – Medical treatment :
Nursing care by qualified nursing staff as directed by a doctor
PLUS – Nursing care by qualified nursing staff as directed by a doctor :
TOP – Nursing care by qualified nursing staff as directed by a doctor :
Additional costs for operating theatres, intensive care wards, laboratories
PLUS – Additional costs for operating theatres, intensive care wards, laboratories :
TOP – Additional costs for operating theatres, intensive care wards, laboratories :
Surgery (including outpatient surgery instead of inpatient treatment)
PLUS – Surgery (including outpatient surgery instead of inpatient treatment) :
TOP – Surgery (including outpatient surgery instead of inpatient treatment) :
Drugs and dressings
PLUS – Drugs and dressings :
TOP – Drugs and dressings :
Therapies/physiotherapy, including massages
PLUS – Therapies/physiotherapy, including massages :
TOP – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
PLUS – Therapeutic aids and appliances :
€2,000 / $2,600 / £1,680per insured person per year
TOP – Therapeutic aids and appliances :
Medical treatment related to pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings related to pregnancy
PLUS – Medical treatment related to pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings related to pregnancy :
€ 5,000 / $ 6,500 /£4,200per insured person per year
TOP – Medical treatment related to pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings related to pregnancy :
Complications of pregnancy and childbirth
PLUS – Complications of pregnancy and childbirth :
TOP – Complications of pregnancy and childbirth :
Newborn care
PLUS – Newborn care :
TOP – Newborn care :
Outpatient childbirth
PLUS – Outpatient childbirth :
Lump sum of €250 / $325 / £210 per newborn baby without proof of costs on presentation of the birth certificate
TOP – Outpatient childbirth :
Lump sum of €500 / $650 / £420 per newborn baby without proof of costs on presentation of the birth certificate
Chemotherapy, oncological drugs and treatment
PLUS – Chemotherapy, oncological drugs and treatment :
€5,000 / $6,500 / £4,200per insured person per year
TOP – Chemotherapy, oncological drugs and treatment :
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency
PLUS – Transport to the nearest suitable hospital for initial treatment following an accident or an emergency :
TOP – Transport to the nearest suitable hospital for initial treatment following an accident or an emergency :
Bone marrow and organ transplants
PLUS – Bone marrow and organ transplants :
up to a maximum of €200,000 / $260,000 / £168,000 for the duration of the group contract
TOP – Bone marrow and organ transplants :
Psychiatric treatment
PLUS – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
TOP – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
Inpatient psychotherapy
PLUS – Inpatient psychotherapy :
provided that we have agreed in writing to pay benefits before treatment commences
TOP – Inpatient psychotherapy :
provided that we have agreed in writing to pay benefits before treatment commences
Parent rooming-in during inpatient treatment of a child
(under the age of 18)
PLUS – Parent rooming-in during inpatient treatment of a child :
TOP – Parent rooming-in during inpatient treatment of a child :
Nursing care at home and domestic help
PLUS – Nursing care at home and domestic help :
7 days
TOP – Nursing care at home and domestic help :
14 days
Nursing care at home after childbirth, instead of a hospital stay
PLUS – Nursing care at home after childbirth, instead of a hospital stay :
5 daysif pre-approved
TOP – Nursing care at home after childbirth, instead of a hospital stay :
5 daysif pre-approved
Substitute cash plan benefit for inpatient treatment
PLUS – Substitute cash plan benefit for inpatient treatment :
€50 / $65 / £42per day
TOP – Substitute cash plan benefit for inpatient treatment :
€100 / $130 / £84per day
Inpatient follow-up rehabilitation
PLUS – Inpatient follow-up rehabilitation :
up to a period of 14 days, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
TOP – Inpatient follow-up rehabilitation :
up to a period of 14 days, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
Hospice
PLUS – Hospice :
TOP – Hospice :
7 weeks
Inpatient dental treatment
PLUS – Inpatient dental treatment :
TOP – Inpatient dental treatment :
Emergency dental treatment
PLUS – Emergency dental treatment :
TOP – Emergency dental treatment :
Outpatient treatment
Medical treatment
PLUS – Medical treatment :
TOP – Medical treatment :
Chemotherapy, oncological drugs and treatment
PLUS – Chemotherapy, oncological drugs and treatment :
TOP – Chemotherapy, oncological drugs and treatment :
Health checks
PLUS – Health checks :
€500 / $650 / £420per insured person per year
TOP – Health checks :
€1,000 / $1,300 / £840per insured person per year
Vaccinations
PLUS – Vaccinations :
€250 / $325 / £210per insured person per year
TOP – Vaccinations :
Maternity care and childbirth, services of a midwife or obstetric nurse
PLUS – Maternity care and childbirth, services of a midwife or obstetric nurse :
€2,000 / $2,600 / £1,680per insured person per year
TOP – Maternity care and childbirth, services of a midwife or obstetric nurse :
Complications of pregnancy and childbirth
PLUS – Complications of pregnancy and childbirth :
€4,000 / $5,200 / £3,360per insured person per year
TOP – Complications of pregnancy and childbirth :
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
PLUS – Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings :
€500 / $650 / £420per insured person per year
TOP – Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings :
€1,000 / $1,300 / £840per insured person per year
Speech therapy
PLUS – Speech therapy :
provided that we have agreed in writing to pay benefits before treatment commences
TOP – Speech therapy :
provided that we have agreed in writing to pay benefits before treatment commences
Psychiatric treatment
PLUS – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
TOP – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
Outpatient psychotherapy
PLUS – Outpatient psychotherapy :
up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
TOP – Outpatient psychotherapy :
up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
Drugs and dressings
PLUS – Drugs and dressings :
TOP – Drugs and dressings :
Therapies/physiotherapy, including massages
PLUS – Therapies/physiotherapy, including massages :
TOP – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
PLUS – Therapeutic aids and appliances :
€2,000 / $2,600 / £1'680per insured person per year
TOP – Therapeutic aids and appliances :
Wigs and prosthetic bras following cancer treatment
PLUS – Wigs and prosthetic bras following cancer treatment :
€300 / $390 / £252per insured person per year
TOP – Wigs and prosthetic bras following cancer treatment :
€300 / $390 / £252per insured person per year
Nutritional consultations
PLUS – Nutritional consultations :
€125 / $162.50 / £105per insured person per year
TOP – Nutritional consultations :
€250 / $325 / £210per insured person per year
Podiatry
PLUS – Podiatry :
€100 / $130 / £84per insured person per year
TOP – Podiatry :
€200 / $260 / £168per insured person per year
Vision aids
PLUS – Vision aids :
€100 / $130 / £84
per insured person per year
per insured person per year
TOP – Vision aids :
€200 / $260 / £168per insured person per year
Transport to the nearest hospital for initial treatment following an accident or an emergency
PLUS – Transport to the nearest hospital for initial treatment following an accident or an emergency :
TOP – Transport to the nearest hospital for initial treatment following an accident or an emergency :
Infertility treatment
PLUS – Infertility treatment :
50 % up to a maximum of €7,500 / $9,750 / £6,300 per insured couple per lifetime
TOP – Infertility treatment :
50 % up to a maximum of €15,00 / $19,500 / £12,600 per insured couple per lifetime
Dental treatment
Basic dental services
PLUS – Basic dental services :
TOP – Basic dental services :
Screenings for early detection of disorders of the teeth, mouth and jaw
PLUS – Screenings for early detection of disorders of the teeth, mouth and jaw :
TOP – Screenings for early detection of disorders of the teeth, mouth and jaw :
Dental treatment
PLUS – Dental treatment :
including inlays without caps
TOP – Dental treatment :
including inlays without caps
X-rays
PLUS – X-rays :
TOP – X-rays :
Scale-and-polish cleaning
PLUS – Scale-and-polish cleaning :
TOP – Scale-and-polish cleaning :
Treating oral mucosa and paradontium
PLUS – Treating oral mucosa and paradontium :
TOP – Treating oral mucosa and paradontium :
Simple fillings related to cavity
PLUS – Simple fillings related to cavity :
TOP – Simple fillings related to cavity :
Surgery, extractions, root-canal treatment
PLUS – Surgery, extractions, root-canal treatment :
TOP – Surgery, extractions, root-canal treatment :
Inclusion of an occlusal splint
PLUS – Inclusion of an occlusal splint :
TOP – Inclusion of an occlusal splint :
Accidental dental treatment
PLUS – Accidental dental treatment :
TOP – Accidental dental treatment :
Major dental services
PLUS – Major dental services :
Reimbursement for the following benefits up to €2,000 / $2,600 / £1,680per insured person per year
TOP – Major dental services :
Reimbursement for the following benefits up to €5,000 / $6,500 / £4,200per insured person per year
Dentures (for example, prostheses, bridges and crowns, inlays, onlays)
PLUS – Dentures (for example, prostheses, bridges and crowns, inlays, onlays) :
TOP – Dentures (for example, prostheses, bridges and crowns, inlays, onlays) :
Implantological services
PLUS – Implantological services :
up to four implants per jaw and the dentures to be secured to these implants
TOP – Implantological services :
up to four implants per jaw and the dentures to be secured to these implants
Orthodontic treatment (up to age 18)
PLUS – Orthodontic treatment (up to age 18) :
TOP – Orthodontic treatment (up to age 18) :
Dental laboratory work and materials
PLUS – Dental laboratory work and materials :
TOP – Dental laboratory work and materials :
Treatment plan
PLUS – Treatment plan :
TOP – Treatment plan :
Medical assistance
24h phone and email service with specialists
PLUS – 24h phone and email service with specialists :
TOP – 24h phone and email service with specialists :
Medical evacuation and repatriation
PLUS – Medical evacuation and repatriation :
TOP – Medical evacuation and repatriation :
Information on medical infrastructure
PLUS – Information on medical infrastructure :
TOP – Information on medical infrastructure :
Support and information by our medical service
PLUS – Support and information by our medical service :
TOP – Support and information by our medical service :
Assumption of costs guarantee
(preparation for a stay in hospital)
PLUS – Assumption of costs guarantee :
TOP – Assumption of costs guarantee :
Organizational support in case of bereavement, share of repatriation costs
PLUS – Organizational support in case of bereavement, share of repatriation costs :
up to €5,000/ $6,500 / £4,200*
TOP – Organizational support in case of bereavement, share of repatriation costs :
up to €10,000/ $13,000 / £8,400*
Additional information on the nature, possible causes and possible treatment of an illness
PLUS – Additional information on the nature, possible causes and possible treatment of an illness :
TOP – Additional information on the nature, possible causes and possible treatment of an illness :
Online services
PLUS – Online services :
TOP – Online services :
Additional assistance
Additional support
PLUS – Additional support :
TOP – Additional support :
Organising visits to the patient
PLUS – Organising visits to the patient :
€1,500 / $1,950 / £1,260per insured person per year
TOP – Organising visits to the patient :
€3,000 / $3,900 / £2,520per insured person per year
Procurement and shipping of vital medication
PLUS – Procurement and shipping of vital medication :
TOP – Procurement and shipping of vital medication :
per insured person per year
Organising return transport or care for children
PLUS – Organising return transport or care for children :
TOP – Organising return transport or care for children :
Help with psychological problems possibly caused by the stay abroad
PLUS – Help with psychological problems possibly caused by the stay abroad :
psychological and therapeutic help by telephone, up to 3 calls (per insured person per year)
TOP – Help with psychological problems possibly caused by the stay abroad :
psychological and therapeutic help by telephone, up to 5 calls ((per insured person per year)
Document depot (safe custody, help in obtaining replacements)
PLUS – Document depot (safe custody, help in obtaining replacements) :
TOP – Document depot (safe custody, help in obtaining replacements) :
Organising help in the event of legal difficulties
PLUS – Organising help in the event of legal difficulties :
TOP – Organising help in the event of legal difficulties :
Procurement of intercultural training
PLUS – Procurement of intercultural training :
TOP – Procurement of intercultural training :
Included
Not included
Additional information
YouGenio® for Germany
PLUS
Benefits
Deductibles for outpatient treatment
With or without optional deductible of:
€250 / $325 / £210
€500 / $650 / £420
€1,000 / $1,300 / £840
Inpatient treatment
Accommodation in a private or semi-private room
✓
Medical treatment
✓
Nursing care by qualified nursing staff as directed by a doctor
✓
Additional costs for operating theatres, intensive care wards, laboratories
✓
Surgery (including outpatient surgery instead of inpatient treatment)
✓
Drugs and dressings
✓
Therapies/physiotherapy, including massages
✓
Therapeutic aids and appliances
€2,000 / $2,600 / £1,680 per insured person per year
Medical treatment related to pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings related to pregnancy
€ 5,000 / $ 6,500 /£4,200 per insured person per year
Complications of pregnancy and childbirth
✓
Newborn care
✓
Outpatient childbirth
✓ Lump sum of €250 / $325 / £210 per newborn baby without proof of costs on presentation of the birth certificate
Chemotherapy, oncological drugs and treatment
€5,000 / $6,500 / £4,200 per insured person per year
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency
✓
Bone marrow and organ transplants
✓ up to a maximum of €200,000 / $260,000 / £168,000 for the duration of the group contract
Psychiatric treatment
✓ provided that we have agreed in writing to pay benefits before treatment commences
Inpatient psychotherapy
✓ provided that we have agreed in writing to pay benefits before treatment commences
Parent rooming-in during inpatient treatment of a child
(under the age of 18)
✓
Nursing care at home and domestic help
7 days
Nursing care at home after childbirth, instead of a hospital stay
5 days if pre-approved
Substitute cash plan benefit for inpatient treatment
€50 / $65 / £42 per day
Inpatient follow-up rehabilitation
✓ up to a period of 14 days, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
Hospice
Inpatient dental treatment
✓
Emergency dental treatment
✓
Outpatient treatment
Medical treatment
✓
Chemotherapy, oncological drugs and treatment
✓
Health checks
€500 / $650 / £420 per insured person per year
Vaccinations
€250 / $325 / £210 per insured person per year
Maternity care and childbirth, services of a midwife or obstetric nurse
€2,000 / $2,600 / £1,680 per insured person per year
Complications of pregnancy and childbirth
€4,000 / $5,200 / £3,360 per insured person per year
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
€500 / $650 / £420 per insured person per year
Speech therapy
✓ provided that we have agreed in writing to pay benefits before treatment commences
Psychiatric treatment
✓ provided that we have agreed in writing to pay benefits before treatment commences
Outpatient psychotherapy
✓ up to 20 sessions, provided that we have agreed in writing to pay benefits before treatment commences (per insured person per year)
Drugs and dressings
✓
Therapies/physiotherapy, including massages
✓
Therapeutic aids and appliances
€2,000 / $2,600 / £1'680 per insured person per year
Wigs and prosthetic bras following cancer treatment
€300 / $390 / £252 per insured person per year
Nutritional consultations
€125 / $162.50 / £105 per insured person per year
Podiatry
€100 / $130 / £84 per insured person per year
Vision aids
€100 / $130 / £84
per insured person per year
Transport to the nearest hospital for initial treatment following an accident or an emergency
✓
Infertility treatment
✓ 50 % up to a maximum of €7,500 / $9,750 / £6,300 per insured couple per lifetime
Dental treatment
Basic dental services
Screenings for early detection of disorders of the teeth, mouth and jaw
✓
Dental treatment
✓ including inlays without caps
X-rays
✓
Scale-and-polish cleaning
✓
Treating oral mucosa and paradontium
✓
Simple fillings related to cavity
✓
Surgery, extractions, root-canal treatment
✓
Inclusion of an occlusal splint
✓
Accidental dental treatment
✓
Major dental services
Reimbursement for the following benefits up to €2,000 / $2,600 / £1,680 per insured person per year
Dentures (for example, prostheses, bridges and crowns, inlays, onlays)
✓
Implantological services
✓ up to four implants per jaw and the dentures to be secured to these implants
Orthodontic treatment (up to age 18)
✓
Dental laboratory work and materials
✓
Treatment plan
✓
Medical assistance
24h phone and email service with specialists
✓
Medical evacuation and repatriation
✓
Information on medical infrastructure
✓
Support and information by our medical service
✓
Assumption of costs guarantee
(preparation for a stay in hospital)
✓
Organizational support in case of bereavement, share of repatriation costs
up to €5,000/ $6,500 / £4,200*
Additional information on the nature, possible causes and possible treatment of an illness
✓
Online services
✓
Additional assistance
Additional support
✓
Organising visits to the patient
€1,500 / $1,950 / £1,260 per insured person per year
Procurement and shipping of vital medication
✓
Organising return transport or care for children
Help with psychological problems possibly caused by the stay abroad
✓ psychological and therapeutic help by telephone, up to 3 calls (per insured person per year)
Document depot (safe custody, help in obtaining replacements)
Organising help in the event of legal difficulties
Procurement of intercultural training
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.
Special conditions
YouGenio® for Germany
Brochure
YouGenio® for Germany
General Conditions