Insurance · Insurer
Global Health: the Luxembourg international health insurer of the Foyer group, formed from Foyer Global Health and Globality
A single brand adopted in 2026 by Foyer Global Health and Globality Health, subsidiaries of the Luxembourg-based Foyer group. The new Journey range runs from temporary cover to annual contracts with no overall cap; the former ranges remain available for a limited period, and each contract must be read with its own documents.
Please note
Characteristics
- Type
- Insurer
- Type
- Insurer (carries the risk)
- Risk carrier
- Foyer Global Health S.A. (R.C.S. Luxembourg B 134.471)
- Use
- Long-term expat health · First year and temporary stays
- French scheme
- No
- CFE top-up
- Not provided
- Medical questionnaire
- Yes
- Covers
- Health · Hospital · Maternity · Dental and optical · Repatriation · Assistance
- Settlement
- Not provided
- Regulator
- Commissariat aux Assurances
- Currencies
- EUR · USD · GBP · CHF
- Home country
- Luxembourg
Two zones to choose from for the Journey range: worldwide with or without the United States. The annual contract ends when the home country becomes the country of residence and the insurer does not agree to continue. Nationals or residents of countries under sanctions are covered only outside those countries. No age limit or list of excluded countries appears in the documents read.
Contracts and plans
Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.
Journey Short
First year and temporary stays · IPID espagnol, décembre 2025 ; tableau des garanties français, novembre 2025
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Global Health (Foyer Global Health S.A.) ; courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not renewable
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Partly
- Maternity : No
- Dental : No
- Optical : Partly
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Temporary cover for a stay abroad; residence, nationality and age conditions are not specified in the information document.
Pre-existing conditions : Pre-existing conditions, including congenital ones, are excluded according to the product information document.
Limits : Overall cap per insurance period; maximum length of the period; no automatic renewal. Outpatient care and optical care fall under low sub-limits.
- up to €500,000 Journey Short: overall limit for the insurance periodJourney Short temporary plan; the table of benefits specifies that the limit applies to the insurance period. Amounts are also published in US dollars, pounds sterling and Swiss francs. Product information document in Spanish, December 2025 edition.globalhealth.insurance · Verified on Nov 2, 2026
- up to 9 months Journey Short: maximum duration of the insurance periodThe brochure offers a choice of shorter coverage periods; temporary coverage is not renewed automatically.globalhealth.insurance · Verified on Nov 2, 2026
Journey Basic
Long-term expat health · IPID espagnol, décembre 2025
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Global Health ; courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Partly
- Maternity : No
- Dental : No
- Optical : Being verified
- Mental health : No
- Evacuation and repatriation : Yes
Who for : Annual or longer contract; health questionnaire to be completed in full; age and nationality are not specified in the information document.
Pre-existing conditions : Underwriting based on a health questionnaire; the treatment of declared conditions is not described in the information document.
Limits : Overall annual cap; outpatient care under a low sub-limit; dental care, psychiatry and psychotherapy excluded.
- up to €1,500,000 Journey Basic: overall annual limitEntry-level hospital-only plan within the Journey annual policies; amounts also published in US dollars, pounds sterling and Swiss francs.globalhealth.insurance · Verified on Nov 2, 2026
- from €250 Journey: lowest optional deductible levelCommercial brochure for the Journey range; the breakdown of deductible levels by plan is not detailed in the pages reviewed. A proportional co-payment is offered in addition.globalhealth.insurance · Verified on Nov 2, 2026
- up to €7,000 Journey: highest optional deductible levelCommercial brochure for the Journey range; availability of this level depending on the plan has not been verified.globalhealth.insurance · Verified on Nov 2, 2026
Journey Extensive
Long-term expat health · IPID espagnol, décembre 2025
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Global Health ; courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Yes
- Maternity : No
- Dental : Partly
- Optical : Being verified
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Annual contract; health questionnaire.
Pre-existing conditions : Underwriting based on a health questionnaire.
Limits : Overall annual cap; minor dental care only; psychiatry subject to a waiting period; maternity, psychotherapy and infertility excluded.
- up to €3,000,000 Journey Extensive: overall annual limitMid-range plan; the Advanced and Premium plans are stated to have no annual limit in the brochure and the table of benefits.globalhealth.insurance · Verified on Nov 2, 2026
- 10 months Journey: waiting period for psychiatric care, psychotherapy and major dental careThe same waiting period applies to major dental care. These benefits are not included in all plans.globalhealth.insurance · Verified on Nov 2, 2026
Journey Advanced
Long-term expat health · IPID espagnol, décembre 2025 (non lu)
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Global Health ; courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Annual contract; details not verified.
Pre-existing conditions : Not verified.
Limits : Advertised by the brochure as having no overall annual cap; detailed benefits not verified.
Journey Premium
Long-term expat health · IPID espagnol, décembre 2025
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Global Health ; courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Yes
- Dental : Yes
- Optical : Yes
- Mental health : Yes
- Evacuation and repatriation : Yes
Who for : Annual contract; health questionnaire.
Pre-existing conditions : Underwriting based on a health questionnaire.
Limits : Advertised with no overall annual cap; waiting periods for pregnancy, psychiatry, major dental care, infertility and prophylactic mastectomy; laser refractive surgery excluded.
- 12 months Journey: waiting period for pregnancy and childbirthApplies to plans that cover maternity; according to the product information documents, Short, Basic and Extensive exclude pregnancy and childbirth, while Premium covers them.globalhealth.insurance · Verified on Nov 2, 2026
- 24 months Journey: waiting period for infertility and prophylactic mastectomyJourney benefits table in French, November 2025 edition, provided for information only: the special conditions prevail.globalhealth.insurance · Verified on Nov 2, 2026
Globality YouGenio World (gamme héritée : Essential, Classic, Plus, Top)
Long-term expat health · IPID et conditions générales de février 2024
- Risk carrier
- Foyer Global Health S.A. (documents désormais émis à ce nom)
- Distributor / administrator
- Courtiers
- United States
- Optional
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Being verified
- Hospital : Yes
- Outpatient care : Yes
- Maternity : No
- Dental : Being verified
- Optical : Being verified
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Range of the former Globality Health brand, maintained for a limited period for brokers and clients who have not yet moved to the Journey range.
Pre-existing conditions : Not described in the information document read.
Limits : For the Classic plan: overall annual cap; maternity excluded; waiting period for psychiatry. The other plans were not read.
- up to €3,000,000 Legacy Globality YouGenio World Classic range: overall annual limitPolicy from the former Globality Health brand, still offered for a limited period to brokers and clients who have not yet moved to the Journey range; document dated February 2024, now issued in the name of Foyer Global Health S.A.globalhealth.insurance · Verified on Nov 2, 2026
Foyer Global Health (gamme héritée : Essential, Special, Exclusive)
Long-term expat health · Conditions générales FGHGCIV3, mars 2024 ; conditions particulières d’avril 2024
- Risk carrier
- Foyer Global Health S.A.
- Distributor / administrator
- Courtiers
- United States
- Not verified
- Home country
- Being verified
- Renewal
- Not verified
- Link with the CFE
- Not verified
- Direct billing
- Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Range of the former Foyer Global Health brand, maintained for a limited period.
Pre-existing conditions : The general terms read contain no clause specific to pre-existing conditions; accurate declaration of the risk is required at the time of application.
Limits : Contract concluded for one year and then tacitly renewed from year to year; caps by plan not read.
Published figures
- Premium, fromOn quote
- Legacy Globality YouGenio World Classic range: overall annual limitup to €3,000,000globalhealth.insurance · Verified on Nov 2, 2026
- Journey Extensive: overall annual limitup to €3,000,000globalhealth.insurance · Verified on Nov 2, 2026
- Journey Basic: overall annual limitup to €1,500,000globalhealth.insurance · Verified on Nov 2, 2026
- Journey Short: overall limit for the insurance periodup to €500,000globalhealth.insurance · Verified on Nov 2, 2026
- Journey: highest optional deductible levelup to €7,000globalhealth.insurance · Verified on Nov 2, 2026
- Journey: lowest optional deductible levelfrom €250globalhealth.insurance · Verified on Nov 2, 2026
- Journey: waiting period for infertility and prophylactic mastectomy24 monthsglobalhealth.insurance · Verified on Nov 2, 2026
- Journey: waiting period for psychiatric care, psychotherapy and major dental care10 monthsglobalhealth.insurance · Verified on Nov 2, 2026
- Journey: waiting period for pregnancy and childbirth12 monthsglobalhealth.insurance · Verified on Nov 2, 2026
- Age at enrolmentNot provided
Who bears the risk
The Luxembourg-based Foyer group announced in February 2026 that its two international health insurance brands, Foyer Global Health and Globality Health, would be brought together under a single name: Global Health. The press release does not detail the legal structure.
The contractual documents resolve the ambiguity: the information documents for the Journey range, like those of the former Globality YouGenio World range, name Foyer Global Health S.A. as the insurer, a Luxembourg company registered in the commercial register under number B 134.471. The general terms state that it is supervised by the Commissariat aux Assurances. The contracts are governed by Luxembourg law.
The former brands live on in the documents: the website warns that some documents may still bear the earlier names. The name to retain is that of the entity shown on the insurance certificate.
Plans and benefits
The current range is called Journey and has five levels. Short is temporary cover; Basic, Extensive, Advanced and Premium are annual or longer contracts. Each plan can be taken out for the worldwide zone, with or without the United States.
- Short: hospitalisation, cancer care and emergency transport, with a cap of up to €500,0004 for the period; maximum duration of figure being updated, with no automatic renewal; maternity, dental care and pre-existing conditions excluded.
- Basic: hospital core cover, annual cap of up to €1,500,0003; maternity, dental care, psychiatry and psychotherapy excluded.
- Extensive: adds routine care and minor dental care, annual cap of up to €3,000,0002; maternity still excluded.
- Advanced and Premium: advertised with no overall annual cap. Premium covers pregnancy, childbirth, optical care, dental care, psychiatry and psychotherapy. The information document for Advanced was not read.
All plans provide for medical evacuation and repatriation, subject to prior approval.
Former ranges still in the portfolio
The website maintains the contracts of the two former brands "for a limited period": the Foyer Global Health range (Essential, Special, Exclusive) and the Globality YouGenio World range (Essential, Classic, Plus, Top). These are contracts separate from Journey, with their own general terms: they should not be compared as if they were the same plan. For YouGenio World Classic, the information document states an annual cap of up to €3,000,0001 and excludes maternity.
Deductibles, waiting periods and exclusions
The Journey brochure offers a deductible from from €2506 to up to €7,0005, or a proportional share of costs. The stated waiting periods are 12 months9 for pregnancy and childbirth, 10 months8 for psychiatry, psychotherapy and major dental care, and 24 months7 for infertility and prophylactic mastectomy.
The annual contract ends if the home country becomes the country of residence and the insurer refuses to continue: a lasting return to one's home country must therefore be anticipated. Nationals or residents of a country under sanctions are covered only outside that country.
Neither the maximum age at application, nor the precise treatment of pre-existing conditions for annual contracts (exclusion, premium loading or acceptance), nor the existence of widespread direct billing was found in the documents read. The presentation page for the Journey range was not accessible.
Who it suits, and who it does not
The range suits an expatriate looking for a European insurer supervised in Luxembourg, with cover from the first euro, and a choice between a temporary plan for a short assignment and annual contracts with no cap for demanding profiles. It suits less well someone who wants to top up the CFE: no top-up mechanism is described in the documents read.
Price and points to check
No price scale is published: the price is obtained by quotation, depending on age, zone, plan, deductible and the result of the health questionnaire.
- The entity shown on the certificate and the range (Journey or a former range) to which the contract belongs.
- The temporary nature of Short: it cannot be renewed and does not replace an annual contract.
- The conditions for continuing the contract in the event of a return to the home country.
- Any exclusions added after the health questionnaire.
Sources and verification dates
- 1.
Legacy Globality YouGenio World Classic range: overall annual limit : €3,000,000
« Annual overall limit of € 3,000,000/ $ 3,900,000/ £ 2,520,000. »
Foyer Global Health S.A. (marque Global Health), « IPID Globality YouGenio World Classic (EN, V 24.01) »Verified on Nov 2, 2026Verified source
- 2.
Journey Extensive: overall annual limit : €3,000,000
« Límite total anual de 3.000.000 EUR / 3.900.000 USD / 2.520.000 GBP / 2.790.000 CHF »
Foyer Global Health S.A. (marque Global Health), « IPID Journey Extensive (ES, 12/2025) »Verified on Nov 2, 2026Verified source
- 3.
Journey Basic: overall annual limit : €1,500,000
« Límite total anual de 1.500.000 EUR / 1.950.000 USD / 1.260.000 GBP / 1.395.000 CHF »
Foyer Global Health S.A. (marque Global Health), « IPID Journey Basic (ES, 12/2025) »Verified on Nov 2, 2026Verified source
- 4.
Journey Short: overall limit for the insurance period : €500,000
« Límite total anual de 500.000 EUR / 650.000 USD / 420.000 GBP / 465.000 CHF »
Foyer Global Health S.A. (marque Global Health), « IPID Journey Short (ES, 12/2025) »Verified on Nov 2, 2026Verified source
- 5.
Journey: highest optional deductible level : €7,000
« flexible deductibles (from €250 to €7,000) »
Foyer Global Health S.A. (marque Global Health), « Brochure Global Health Journey (EN, 2026) »Verified on Nov 2, 2026Verified source
- 6.
Journey: lowest optional deductible level : €250
« flexible deductibles (from €250 to €7,000) »
Foyer Global Health S.A. (marque Global Health), « Brochure Global Health Journey (EN, 2026) »Verified on Nov 2, 2026Verified source
- 7.
Journey: waiting period for infertility and prophylactic mastectomy : 24 months
« Délai de Carence de 24 (vingt-quatre) mois »
Foyer Global Health S.A. (marque Global Health), « Tableau des garanties Journey (FR, 11/2025) »Verified on Nov 2, 2026Verified source
- 8.
Journey: waiting period for psychiatric care, psychotherapy and major dental care : 10 months
« 10-month waiting period applies to psychiatric treatment and psychotherapy. »
Foyer Global Health S.A. (marque Global Health), « Brochure Global Health Journey (EN, 2026) »Verified on Nov 2, 2026Verified source
- 9.
Journey: waiting period for pregnancy and childbirth : 12 months
« 12-month waiting period applies to pregnancy and childbirth. »
Foyer Global Health S.A. (marque Global Health), « Brochure Global Health Journey (EN, 2026) »Verified on Nov 2, 2026Verified source