CoGenio®: Health insurance for groups
Caring for your teams everywhere
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.
As part of our brand transition, Globality CoGenio® is now simply called CoGenio®. The coverage remains unchanged.
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.
EXPLORE OUR CORPORATE PLANS
Find the best coverage for your company
CoGenio® Classic
A reliable protection covering essential inpatient, outpatient, and emergency care.
CoGenio® Plus
A well-rounded plan with enhanced outpatient, dental, and maternity benefits for comprehensive everyday care.
CoGenio® Top
A premium plan offering the highest coverage limits, extensive benefits, and maximum flexibility.
Explore our range of benefits
For reference only. The General Conditions of Insurance remain the leading document.
CoGenio®
CLASSIC
CoGenio®
PLUS
CoGenio®
TOP
Benefits
Deductibles for outpatient treatment
CLASSIC – Deductibles for outpatient treatment :
Fixed deductible of
€250/ $325/ £210
€250/ $325/ £210
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
CLASSIC – 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
CLASSIC – Medical treatment :
PLUS – Medical treatment :
TOP – Medical treatment :
Nursing care
CLASSIC – Nursing care :
PLUS – Nursing care :
TOP – Nursing care :
Other ancillary costs
CLASSIC – Other ancillary costs :
PLUS – Other ancillary costs :
TOP – Other ancillary costs :
Inpatient surgery
CLASSIC – Inpatient surgery :
PLUS – Inpatient surgery :
TOP – Inpatient surgery :
Drugs and dressings
CLASSIC – Drugs and dressings :
PLUS – Drugs and dressings :
TOP – Drugs and dressings :
Therapies/physiotherapy, including massages
CLASSIC – Therapies/physiotherapy, including massages :
PLUS – Therapies/physiotherapy, including massages :
TOP – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
CLASSIC – Therapeutic aids and appliances :
such as cardiac pacemarks, if needed as a life-saving measure
PLUS – Therapeutic aids and appliances :
such as cardiac pacemarks, if needed as a life-saving measure + reimbursement for therapeutic aids and appliances, such as artificial limbs/prostheses up to €2,000 / $2,600 / £1,680 (per insured person per year)
TOP – Therapeutic aids and appliances :
Pregnancy and childbirth, services of a midwife or obstetric nurse
CLASSIC – Pregnancy and childbirth, services of a midwife or obstetric nurse :
PLUS – Pregnancy and childbirth, services of a midwife or obstetric nurse :
€ 5,000 / $ 6,500per insured person per year
TOP – Pregnancy and childbirth, services of a midwife or obstetric nurse :
Complications of pregnancy and childbirth
CLASSIC – Complications of pregnancy and childbirth :
PLUS – Complications of pregnancy and childbirth :
TOP – Complications of pregnancy and childbirth :
Newborn care
CLASSIC – Newborn care :
PLUS – Newborn care :
TOP – Newborn care :
Outpatient childbirth
CLASSIC – 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
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency
CLASSIC – 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 :
Chemotherapy, oncological drugs and treatment
CLASSIC – Chemotherapy, oncological drugs and treatment :
€50,000 / $65,000 / £42,000per insured person per year
PLUS – Chemotherapy, oncological drugs and treatment :
€100,000 / $130,000 / £84,000per insured person per year
TOP – Chemotherapy, oncological drugs and treatment :
Bone marrow and organ transplants
CLASSIC – 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
CLASSIC – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
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
CLASSIC – 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)
CLASSIC – Parent rooming-in during inpatient treatment of a child (under the age of 18) :
PLUS – Parent rooming-in during inpatient treatment of a child (under the age of 18) :
TOP – Parent rooming-in during inpatient treatment of a child (under the age of 18) :
Nursing care at home and domestic help
CLASSIC – Nursing care at home and domestic help :
PLUS – Nursing care at home and domestic help :
up to a period of 7 days
TOP – Nursing care at home and domestic help :
up to a period of 14 days
Nursing care at home after childbirth, instead of a hospital stay
CLASSIC – Nursing care at home after childbirth, instead of a hospital stay :
PLUS – Nursing care at home after childbirth, instead of a hospital stay :
up to a period of 5 days
if pre-approved
if pre-approved
TOP – Nursing care at home after childbirth, instead of a hospital stay :
up to a period of 5 days
if pre-approved
if pre-approved
Substitute cash plan benefit for inpatient treatment actually received
CLASSIC – Substitute cash plan benefit for inpatient treatment actually received :
PLUS – Substitute cash plan benefit for inpatient treatment actually received :
€ 50 / $ 65 / £42 per day
TOP – Substitute cash plan benefit for inpatient treatment actually received :
€ 100 / $ 130 / £84
per day
per day
Inpatient follow-up rehabilitation
CLASSIC – Inpatient follow-up rehabilitation :
PLUS – Inpatient follow-up rehabilitation :
up to a period of 14 days
TOP – Inpatient follow-up rehabilitation :
up to a period of 21 days
Hospice
CLASSIC – Hospice :
PLUS – Hospice :
TOP – Hospice :
up to 7 weeks
Inpatient dental treatment
CLASSIC – Inpatient dental treatment :
PLUS – Inpatient dental treatment :
TOP – Inpatient dental treatment :
Emergency dental treatment
CLASSIC – Emergency dental treatment :
PLUS – Emergency dental treatment :
TOP – Emergency dental treatment :
Outpatient treatment
Medical treatment
CLASSIC – Medical treatment :
PLUS – Medical treatment :
TOP – Medical treatment :
Chemotherapy, oncological drugs and treatment
CLASSIC – Chemotherapy, oncological drugs and treatment :
PLUS – Chemotherapy, oncological drugs and treatment :
TOP – Chemotherapy, oncological drugs and treatment :
Health checks
CLASSIC – 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
CLASSIC – Vaccinations :
PLUS – Vaccinations :
€250 / $325 / £210per insured person per year
TOP – Vaccinations :
Maternity care and childbirth, services of a midwife or obstetric nurse
CLASSIC – 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
CLASSIC – Complications of pregnancy and childbirth :
PLUS – Complications of pregnancy and childbirth :
€10,000 / $13,00 / £8,400per insured person per year
TOP – Complications of pregnancy and childbirth :
Pre and post-natal classes
CLASSIC – Pre and post-natal classes :
PLUS – Pre and post-natal classes :
TOP – Pre and post-natal classes :
€250 / $325 / £210
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
CLASSIC – 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
CLASSIC – 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
CLASSIC – Psychiatric treatment :
provided that we have agreed in writing to pay benefits before treatment commences
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
CLASSIC – 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 commence (per insured person per year)s
Drugs and dressings
CLASSIC – Drugs and dressings :
PLUS – Drugs and dressings :
TOP – Drugs and dressings :
Therapies/physiotherapy, including massages
CLASSIC – Therapies/physiotherapy, including massages :
PLUS – Therapies/physiotherapy, including massages :
TOP – Therapies/physiotherapy, including massages :
Therapeutic aids and appliances
CLASSIC – 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
CLASSIC – Wigs and prosthetic bras following cancer treatment :
€300 / $390 / £252per insured person per year
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
CLASSIC – Nutritional consultations :
PLUS – Nutritional consultations :
€125 / $162.50 / £105per insured person per year
TOP – Nutritional consultations :
€250 / $325 / £210per insured person per year
Podiatry
CLASSIC – Podiatry :
PLUS – Podiatry :
€100 / $130 / £84per insured person per year
TOP – Podiatry :
€200 / $260 / £168per insured person per year
Vision aids
CLASSIC – 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
Hearing aids
CLASSIC – Hearing aids :
PLUS – Hearing aids :
€1,000 / $1,300 / £840per insured person per year
TOP – Hearing aids :
up to €2,000 / $2,600 / £1,680per insured person per year
Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency
CLASSIC – Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency :
PLUS – Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency :
TOP – Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency :
Infertility treatment
CLASSIC – 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 €7,500 / $9,750 / £6,300 per insured couple per lifetime
Dental treatment
Basic dental services
CLASSIC – Basic dental services :
PLUS – Basic dental services :
TOP – Basic dental services :
Screenings for early detection of disorders of the teeth, mouth and jaw
CLASSIC – 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
CLASSIC – Dental treatment :
pain relief treatment
PLUS – Dental treatment :
TOP – Dental treatment :
X-rays
CLASSIC – X-rays :
PLUS – X-rays :
TOP – X-rays :
Scale-and-polish cleaning
CLASSIC – Scale-and-polish cleaning :
PLUS – Scale-and-polish cleaning :
TOP – Scale-and-polish cleaning :
Treating oral mucosa and paradontium
CLASSIC – Treating oral mucosa and paradontium :
pain relief only
PLUS – Treating oral mucosa and paradontium :
TOP – Treating oral mucosa and paradontium :
Simple fillings related to cavity
CLASSIC – Simple fillings related to cavity :
Simple fillings related to cavity
PLUS – Simple fillings related to cavity :
TOP – Simple fillings related to cavity :
Surgery, extractions, root-canal treatment
CLASSIC – Surgery, extractions, root-canal treatment :
pain relief only
PLUS – Surgery, extractions, root-canal treatment :
TOP – Surgery, extractions, root-canal treatment :
Inclusion of an occlusal splint
CLASSIC – Inclusion of an occlusal splint :
PLUS – Inclusion of an occlusal splint :
TOP – Inclusion of an occlusal splint :
Accidental dental treatment
CLASSIC – Accidental dental treatment :
PLUS – Accidental dental treatment :
TOP – Accidental dental treatment :
Major dental services
CLASSIC – Major dental services :
Reimbursement of 50 % for the following benefits if needed as a result of an accident
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
CLASSIC – Dentures :
PLUS – Dentures :
TOP – Dentures :
Implantological services
CLASSIC – Implantological services :
up to four implants per jaw and the dentures to be secured to these implants
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)
CLASSIC – 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
CLASSIC – Dental laboratory work and materials :
PLUS – Dental laboratory work and materials :
TOP – Dental laboratory work and materials :
Complication of a plan of treatment and costs
CLASSIC – Complication of a plan of treatment and costs :
PLUS – Complication of a plan of treatment and costs :
TOP – Complication of a plan of treatment and costs :
Medical assistance
24h phone and email service with specialists
CLASSIC – 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
CLASSIC – Medical evacuation and repatriation :
PLUS – Medical evacuation and repatriation :
TOP – Medical evacuation and repatriation :
Information on medical infrastructure
CLASSIC – Information on medical infrastructure :
PLUS – Information on medical infrastructure :
TOP – Information on medical infrastructure :
Support and information by our medical service
CLASSIC – 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)
CLASSIC – Assumption of costs guarantee (preparation for a stay in hospital) :
PLUS – Assumption of costs guarantee (preparation for a stay in hospital) :
TOP – Assumption of costs guarantee (preparation for a stay in hospital) :
Organisational support in case of bereavement, share of repatriation costs
CLASSIC – Organisational support in case of bereavement, share of repatriation costs :
up to € 2,500/ $ 3,250 / £2,100
PLUS – Organisational support in case of bereavement, share of repatriation costs :
up to € 5,000/ $ 6,500 / £4,200
TOP – Organisational support in case of bereavement, share of repatriation costs :
up to € 10,000/ $ 13,000 / £8,400
Additional information on the nature, causes and possible treatment of an illness
CLASSIC – Additional information on the nature, causes and possible treatment of an illness :
PLUS – Additional information on the nature, causes and possible treatment of an illness :
TOP – Additional information on the nature, causes and possible treatment of an illness :
Online services
CLASSIC – Online services :
PLUS – Online services :
TOP – Online services :
Additional assistance
Additional support
CLASSIC – Additional support :
PLUS – Additional support :
TOP – Additional support :
Organising visits for a relative to the patient
CLASSIC – Organising visits for a relative to the patient :
PLUS – Organising visits for a relative to the patient :
up to € 1,500 / $ 1,950 / £1,260per insured person per year
TOP – Organising visits for a relative to the patient :
up to € 3,000 / $ 3,900 / £2,520per insured person per year
Travel costs of insured members to be with a family member who is at peril of death/has died
CLASSIC – Travel costs of insured members to be with a family member who is at peril of death/has died :
PLUS – Travel costs of insured members to be with a family member who is at peril of death/has died :
€1,500 / $1.950 / £1,260per insured person per year
TOP – Travel costs of insured members to be with a family member who is at peril of death/has died :
€3,000 / $3.900 / £2,520per insured person per year
Travel costs for an accompanying person, in the event of repatriation of an insured person
CLASSIC – Travel costs for an accompanying person, in the event of repatriation of an insured person :
PLUS – Travel costs for an accompanying person, in the event of repatriation of an insured person :
TOP – Travel costs for an accompanying person, in the event of repatriation of an insured person :
€1,500 / $1,950 / £1,260per insured person per year
Organising return transport or care for children
CLASSIC – 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
CLASSIC – 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 3 calls (per insured person per year)
Document depot (safe custody, help in obtaining replacements)
CLASSIC – 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
CLASSIC – 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
CLASSIC – Procurement of intercultural training :
PLUS – Procurement of intercultural training :
TOP – Procurement of intercultural training :
Included
Not included
Additional information
CoGenio®
CLASSIC
Benefits
Deductibles for outpatient treatment
Fixed deductible of
€250/ $325/ £210
Inpatient treatment
Accommodation in a private or semi-private room
✓
Medical treatment
✓
Nursing care
✓
Other ancillary costs
✓
Inpatient surgery
✓
Drugs and dressings
✓
Therapies/physiotherapy, including massages
✓
Therapeutic aids and appliances
✓ such as cardiac pacemarks, if needed as a life-saving measure
Pregnancy and childbirth, services of a midwife or obstetric nurse
Complications of pregnancy and childbirth
Newborn care
Outpatient childbirth
✓
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency
✓
Chemotherapy, oncological drugs and treatment
€50,000 / $65,000 / £42,000 per insured person per year
Bone marrow and organ transplants
Psychiatric treatment
✓ provided that we have agreed in writing to pay benefits before treatment commences
Inpatient psychotherapy
Parent rooming-in during inpatient treatment of a child (under the age of 18)
Nursing care at home and domestic help
Nursing care at home after childbirth, instead of a hospital stay
Substitute cash plan benefit for inpatient treatment actually received
Inpatient follow-up rehabilitation
Hospice
Inpatient dental treatment
Emergency dental treatment
✓
Outpatient treatment
Medical treatment
✓
Chemotherapy, oncological drugs and treatment
✓
Health checks
Vaccinations
Maternity care and childbirth, services of a midwife or obstetric nurse
Complications of pregnancy and childbirth
Pre and post-natal classes
Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings
Speech therapy
Psychiatric treatment
✓ provided that we have agreed in writing to pay benefits before treatment commences
Outpatient psychotherapy
✓
Drugs and dressings
✓
Therapies/physiotherapy, including massages
✓
Therapeutic aids and appliances
Wigs and prosthetic bras following cancer treatment
€300 / $390 / £252 per insured person per year
Nutritional consultations
Podiatry
Vision aids
Hearing aids
Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency
✓
Infertility treatment
Dental treatment
Basic dental services
Screenings for early detection of disorders of the teeth, mouth and jaw
Dental treatment
✓ pain relief treatment
X-rays
Scale-and-polish cleaning
Treating oral mucosa and paradontium
✓ pain relief only
Simple fillings related to cavity
✓ Simple fillings related to cavity
Surgery, extractions, root-canal treatment
✓ pain relief only
Inclusion of an occlusal splint
Accidental dental treatment
✓
Major dental services
Reimbursement of 50 % for the following benefits if needed as a result of an accident
Dentures
✓
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
✓
Complication of a plan of treatment and costs
✓
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)
✓
Organisational support in case of bereavement, share of repatriation costs
up to € 2,500/ $ 3,250 / £2,100
Additional information on the nature, causes and possible treatment of an illness
✓
Online services
✓
Additional assistance
Additional support
Organising visits for a relative to the patient
Travel costs of insured members to be with a family member who is at peril of death/has died
Travel costs for an accompanying person, in the event of repatriation of an insured person
Organising return transport or care for children
Help with psychological problems possibly caused by the stay abroad
Document depot (safe custody, help in obtaining replacements)
Organising help in the event of legal difficulties
Procurement of intercultural training
Is your company moving to Spain?
EcoGenio is our plan specifically designed for spanish companies with employees abroad, or companies with foreign employees in Spain. EcoGenio offers three plan levels: Classic, Plus and Top.
Compared to CoGenio, Classic and Plus has been adapted to offer a market-based tariff whilst meeting the needs of the Spanish market.
Have a question?
Call or email us today to discuss your individual or group healthcare needs. We will be happy to help you find the plan that works best for you or your employees.
Give us a call:
You can also reach us by email. We will get back to you as soon as possible.
Downloads
We value your time by ensuring your insurance information is always within reach. Easily find the documents you need below.
Terms and conditions
CoGenio®
Brochure
CoGenio®
Sport brochure
CoGenio®
General conditions