Foyer Global

Introduction
Since 1922 Foyer when it was first established, Foyer has become a driving force in the Luxembourg insurance market and is well known throughout Europe.

Foyer's individual and group medical insurance plans are specially designed to guarantee all those insured, the very best medical care, as well as reimbursement of their medical expenses.

Foyer's plans offer a comprehensive range of services in relation to in-patient, out-patient and dental care. Medical assistance services are included in each product package.

Uniquely, all Foyer's plans have no overall annual limit on reimbursement of medical expenses.

Another unique element of Foyers' individual policies is that they do not send renewal invitations. The reason is that their contracts are renewed tacitly, year on year.

Immediate cover is granted after receipt of a proposal, plus Foyer will do its best to include cover for pre-existing conditions. Foyer also provides access to online services for submitting and tracking claims and updating such things as bank account and other personnel information.

Development Timeline

Introduction to Foyer

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Latest Annual Report

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New Telemedicine Service - Available 22 Apr 2020:

Foyer Global Health is now providing its clients access to unlimited Telemedicine Consultations, at no extra cost.

Thei service is provided by Teladoc Health, and is available 24/7 in English and French, and during office hours (8AM-8 PM CET / Monday-Friday) in German.

Clients can book their Telemedicine Appointment from the comfort of their own home, simply by dialing one of the following numbers.

A doctor will be calling back, on the day and time which you have requested.

  • +352 437 43 4263 for English
  • +352 437 43 4261 for French
  • +352 437 43 4262 for German (calls before 8 AM and after 8 PM CET are provided in English)

Documents in more details explanation :

The Foyer Global Health product offers a choice of 3 different packages, summarized as below.

Each of the plans; Exclusive, Essential, and Special comes with an option to add ' Special Assistance', which costs €5.00/ month per person.
Special Assistance covers costs associated with

  • Return transport to the country of residence
  • Organisation of patient visits for relatives
  • Delaying the return journey -
  • Procurement and dispatch of essential drugs
  • Organisation of return transport or childcare
  • In the event of death, Transfer of the mortal remains and organisational support in the event of death

Foyer Documents

Download all as zip

For more information, contact

Ms Romi Gill - romi.gill@navigator-insurance.com or call/whatsapp +852 9094 8602 or

Mr Shafi Ahmadey - shafi.ahmadey@navigator-insurance.com Tel +852 2530 2530

If you are going abroad for less than 12 months, Foyer Global Health Protect is just the plan for you, because it provides strong, reliable, inpatient and outpatient cover you can call, on even when it is not an emergency.

Cover is available in two areas:

1. Worldwide and (Region 1)

2. Worldwide excluding USA (Region 2)

Inpatient treatment covers: 

  • General hospital treatment and accommodation and care in a single or twin-bed room 
  • Medical services 
  • Hospital costs 
  • Surgery and anaesthesia 
  • Drugs and dressings 
  • Therapies 
  • Cancer therapy 
  • Bone marrow / organ transplantations 
  • Home nursing care and domestic help 
  • Daily hospital allowance 
  • Inpatient rehabilitation 
  • Day care hospital treatment 
  • Transport to next available suitable hospital

Outpatient treatment covers : 

  • Medical services 
  • Cancer therapy, medicines, and oncology medical services 
  • Congenital conditions 
  • Over-the-counter medicines 
  • Physiotherapy, including massage 
  • Therapeutic aids and appliances 
  • Drugs and dressings 
  • Transport to the nearest suitable doctor or hospital

Dental cover - ONLY FOR THE SAKE OF PAIN RELIEF

  • Treating oral mucosa and gingiva
  • Simple fillings
  • Surgery, extractions, root-canal treatment

What is not insured ?

  • Diseases, death and the consequences of accidents due to military operations, military service, riot and civil commotion, not expressly included in the insurance Illnesses,
  • treatment and accidents caused wilfully nor their consequences or for treatment or stays in an institution for drug withdrawal. Cosmetic measures of all types and their consequences.
  • The consequences of a suicide attempt.
  • Cures and treatments as well as for rehabilitation in a sanatorium.

If insurance cover relates to region 2 (Worldwide excluding the United States) then in the event of temporary travel outside these countries (i.e. in the event of temporary residence for a maximum of six weeks) then insurance cover shall only apply for medical emergencies, accidents and death.

Travel for the purpose of treatment in a nonagreed region is not insured.

If medical care or other treatment delivered shall exceed that which is medically necessary then the insurer may reduce its benefits accordingly.

What are my obligations?

- When subscribing to the policy the policyholder is obliged to answer all the insurer's questions truthfully and completely. The premium is set on this basis.

- The policyholder or the insured person is obliged to disclose any change relating to the insurance policy that is likely to cause a significant and lasting increase in the risk insured.

- The policy holder is obliged to pay his insurance premiums in accordance with the stipulations of the contract. The first premium is payable not later than the date of policy issue.

- The policyholder and/or the insured person(s) must declare any claim to the insurer as soon as possible and in any case within three years from the occurrence.

- The policyholder and/or the insured person(s) must immediately give the insurer all relevant information and answer all questions addressed to them.

- When subscribing to the policy the policyholder is obliged to answer all the insurer's questions truthfully and completely. The premium is set on this basis.

- The policyholder or the insured person is obliged to disclose any change relating to the insurance policy that is likely to cause a significant and lasting increase in the risk insured.

- The policy holder is obliged to pay his insurance premiums in accordance with the stipulations of the contract. The first premium is payable not later than the date of policy issue.

- The policyholder and/or the insured person(s) must declare any claim to the insurer as soon as possible and in any case within three years from the occurrence.

- The policyholder and/or the insured person(s) must immediately give the insurer all relevant information and answer all questions addressed to them.

The same application form is used as for the Long Term Global Health Products.

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Questions? Call Mr Robin Brown Tel + 852 2530 2530 /+852 5917 2530 robin.brown@navigator-insurance.com

Foyer offers two approaches to group insurance:

The first is the fully underwritten approach and this they called 'Facultative Group'.

With the Facultative Group cover, people can all be in different plans.

The second appoach is that Foyer not to ask any medical questions and to guarantee to cover everyone. This is only possible if you have a limit up to 10 employees to insure.

If the latter approach is adopted, Foyer calls this 'Obligatory Group' contract. Under the terms of this contract, ALL eligible employees and dependants have to enrol and ALL must be on the same plan.

For groups of up to 100 employees, Foyer uses the Essential, Special and Exlcusive plans as a foundation to this plan.

However for groups of more than 100 employees, Foyer will design a plan according to fullfil your needs.

Group Checklist Document

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Unit E, 8/F Golden Sun Centre
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Sheung Wan, Hong Kong