Global Health International Health Insurance

Who is Global Health

Established in 2014, Global Health is the international health insurance division of Foyer S.A., Luxembourg’s largest private insurer founded in 1922. Today, Global Health provides global private medical insurance across more than 180 countries worldwide.

Global Health specializes in international private medical insurance for expatriates, globally mobile individuals, families, and corporate clients, offering simple and easy-to-understand insurance plans with no annual policy limit, covering inpatient, outpatient, dental, maternity, and preventive medicine.

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Advantages with Global Health

Clients decide to obtain global medical insurance with Global Health due to various reasons, including the below highlighted.

Customized insurance cover

Easy to understand tiered insurance cover structure, with an optional outpatient deductible.

5-star reliability and trust

Long-term international health insurance provider with high-level customer service experience and sustainable long-term pricing.

Flexible payment options

Choose to pay by bank transfer or credit card with payment frequencies from monthly to annually.

Medical provider network

Large global network with hospitals, clinics and doctors to ease acceptance of insurance card and direct billing.

Online customer portal

Conveniently download your policy documents, submit claims, and manage your policy online.

24/7 support services

A customer service team that is available night and day 365 days per year. In English, German, and French.

Different area of cover options

Select the coverage area that suits your policy best. Worldwide, or worldwide excluding USA.

Global Health’s International Private Medical Insurance Plans

The global medical insurance plans of Global Health offer four levels of cover, two areas of cover, one optional module, and the option to select between either an outpatient fixed amount deductible or an outpatient co-pay percentage. No inpatient deductible, applying to high-risk, high-cost healthcare services, is offered.

Policy structure of Global Health provides easily understandable and comparable plan selection based on your individual needs. After evaluating what cover you are looking for, we will quote the various insurance options and present you with a comparison of insurance benefits and premiums.

  • Plan levels: Basic, Extensive, Advanced, Premium
  • Area of cover: Worldwide, worldwide excluding USA
  • Optional modules: Additional assistance
  • Outpatient deductible: between EUR 0 and EUR 7’000
  • Outpatient co-pay: between 0% and 20%


Insurance can be complicated. This is why Global Health is offering their insurance plans in a very simple and easy-to-understand structure without dozens of possible optional modules and deductibles that are difficult to understand. A strict medical underwriting process makes their insurance plans especially attractive to those subscribing to a policy before having developed any medical conditions. As a truly international insurer, Global Health is especially popular with those looking for customer support in German or French, in addition to English.

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Which application forms does Global Health offer?

Applying for international health insurance always requires an application form, a passport copy of all insured individuals, and proof of address (for example, a utility bill, a credit card statement, a letter from the authorities or similar that is not older than 3 months). The following application types are offered:

  • Full Medical Underwriting (FMU): requires applicants to complete a comprehensive medical questionnaire as part of their application. You are expected to disclose any past or present medical conditions, including those that have been formally diagnosed as well as symptoms that have not yet resulted in a diagnosis. Based on this information, the insurer will decide whether to approve the application without restrictions, exclude specific pre-existing conditions from coverage, or accept the condition with a premium loading to reflect the increased risk. FMU is often preferred by individuals who value transparency and want clarity about what is covered and what is not, right from the start of their policy.
  • Moratorium: offers a more streamlined approach at the application stage. No medical questionnaire is required. Instead, all pre-existing medical conditions experienced within a defined timeframe—typically the 2-5 years prior to the start of the policy—are automatically excluded. These exclusions may be lifted after a specified waiting period, usually 24 months, provided that no further symptoms have occurred, and no treatment, medical advice, or medications have been required during that time. While the moratorium approach is faster and less intrusive during the application process, it introduces a level of uncertainty, particularly for individuals with a history of health issues, since coverage decisions are deferred and conditional.

What are the benefits of having SIP as your Global Health broker?

As an independent insurance broker, we work with more than 20 international health insurance companies. As insurance professionals, we represent the interest of private and corporate clients towards the insurance company.

With us as your advisor, you benefit from negotiated premium discounts, support with claims and guarantee of payment requests, as well as annual renewal offer reviews and negotiations.

Global Health FAQs

No. There is no age limit to apply to an insurance policy with Global Health. However, after the age of 65, additional medical declaration is requested.

Yes, the insurance plans of Global Health are only for expats. This means that your country of nationality must differ from your country of residence.

If you are a USA resident, you cannot apply for cover with Global Health. However, if you live and work outside of the USA, you can apply for cover that includes the USA in the area of coverage.

Yes, you can purchase international cover with Global Health as a UAE resident. However, the policy will not be locally compliant and will not satisfy any local insurance obligations that may come with your visa.

Professional athletes should seek health insurance policies that are specially designed for athletes and also cover their professional sports-related risk. With Global Health, any injuries or medical cost related to your sports activities will not be insured.

With Global Health, you can select a deductible that applies only to outpatient medical services. It is not possible to select a deductible that also applies to your inpatient and daypatient medical services.

As an important partner of Global Health, we can help you compare and tailor the cover to best suit your personal expectations. We also support with claims escalations or arranging guarantees of payment before bigger interventions.

Contact Us

As an independent advisor we always perform a personalized full market review before advising you on the best international private medical insurance. You will also benefit from our lifetime policy administration service that includes hands-off claims management, annual review of your coverage, and much more.

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