Global Health レビュー 

We were insured with Foyer Global for many years when suddenly they cancelled the group insurance. They offered a new tariff which is more than 3 times the previous premium and is going up by over 20% every 5 years. While we are getting older and have meanwhile some medical conditions we cant find alternatives anymore. Feels like daylight robbery.

Finger weg von diesem Sauladen!
Unterirdische Kommunikation. Keine kompetenten Ansprechpartner für Notfälle. Vorabanfragen zur Leistungsübernahme eines dringend benötigten Klinikaufenthalts werden Wochenlang nicht bearbeitet. Eingereichte Leistungsanträge verschwinden aus dem System. On Top wird man noch angemault, wenn man angegebene Servicenummern anruft, von deren System falsch verbunden wird und in der Notfallhotline rauskommt, die einem dann noch nicht mal Helfen kann.
Ich hab ja schon vieles erleb, Aber solch ein Dilettantismus, da es ja um nicht weniger als Gesundheit geht ist gelinde gesagt, …..

Because I have frequently moved between countries, I have been insured with various private health insurers over the past 10 years. This has been the most disappointing experience I have had, for the following reasons:

1. Extensive documentation requirements with no outcome: A significant amount of documentation is requested for claims. Considerable time and effort is then required to obtain these documents from doctors and clinics, yet even after providing everything requested, benefits are often not paid.

2. Unclear claims process: When claims are rejected, the explanations provided are vague and lack sufficient detail (or there is no explanation at all). It is often unclear why a claim has not been approved, which makes it difficult to understand or address the issue.

3. Inconsistent and poor communication: There is a noticeable lack of communication regarding claim outcomes. In several instances, no email notification was sent, and I only became aware of updates by logging into my account. On other occasions, emails were sent, but without any clear or consistent process.

Overall, I have never experienced such a low level of reimbursement combined with a lack of transparency and communication. Based on my experience, I would strongly advise against using Foyer Global Health.

Do not insure yourself with Foyer. This is the worst insurance company I've encountered.

I've had a policy with them for almost two years now. I'm just waiting for it to lapse so that I can switch to a different insurer.

To kick things off, the alarms already started going off when the renewal notice came in last year. I've paid them ahead of schedule with an annual payment of the policy (about 1300 euros). It took them about 2 months to find the transfer. The reminders about not paying on time kept on coming. Finally, the confirmation was given that the payment was found.

Fast forward about 6 months, I've contacted them to see if they could cover a surgical intervention regarding respiratory problems. My initial attempts to contact them through their electronic forms weren't answered. Then when I tried to call the "claims" phone number listed on their website I reached their emergency medical consultancy line. Which kind of insurance company provides wrong phone numbers which you cannot reach? The answer is: Foyer. Then, when they finally got back to me after some time over email, they requested me to provide them with no claims proof from my previous providers for the past 3 years, and the full information about my case. When I provided them the confirmations from the other providers, studies, and an evaluation from the ENT, their only reply was that the format of the no-claims from the insurers is wrong (not specifying which format they expect), and that I should now give them a no-claims proof for the past 5 years (originally they've asked for 3, remember?). When I asked them which format would they like the other insurers to respond in, I did not get any response, when I asked from a clarification on how did 3 turn into 5, I did not get any response. Some weeks later, I did get a different reply though, which appears like someone had an automated calendar reminder about me, saying that "without the proper documents provided we cannot continue processing your request". After sending them the required documents a week ago, I still did not get any useful response.

For the people in Foyer: I have chosen to be insured by you, meaning, I have put my faith and my trust in you to act as my healthcare provider. Instead, you are treating me as a fraudulent client. This is just inappropriate and is a grossly exploitative and abusive business tactics.

Do not insure yourself with Foyer. There are better companies out there, and with a small premium you could at least get a better product. Otherwise, you are probably better off absorbing the risk yourself. Money down the drain.

Super unprofessional customer support, that don't read your emails properly and send templated answers.

They try to avoid payments and don't give proper explanations.

Very bad customer service, avoid.

SCAM! AVOID!
1.- Cheap insurance but you get what you pay. AKA Nothing else than problems.
2.- They delayed a pre approval for 3 months, thankfully I could cover the cost myself.
3.- Because they could not avoid paying for the surgery they then came up with diagnosis that have never had. Asking me to sign exclusions of things that even my treating doctor said it's impossible an insurance can assess that without a proper clinical diagnosis (which they cant eprform online)
4.- Delays in refunds, changes in the dates of submitted claims. To the point that we submitted a claim on day 14th and because they want to delay refund they keep changing the date that w submitted. Mainly, adjusting information in their system to make it look good for them. - It happened 4 times in 5 months.
5.- Customer Service --> None to be seen. They don't reply, Phone number impossible. company is working on Europe time so if you are in Asia, forget it. Not a 24/7 even if they claim so. All seems to be a joke. oh and they don't speak english either on the phone (they picked it up once.... )
6.- I had to escalate to their CEO as I have never seen such an amount of inconsistencies, negligence and unprofessionalism in one single company.
7.- They then threatened me to cancel my policy if i didn't sign exclusions (which i never had been diagnosed with)
8.- They cancelled backdated (blessed in desguise)
9.- But kept my wife and son. So mainly they decided to split the contract at their wish.

Not just the worse insurer I have ever seen, but one of the worse companies I had to deal with in my life. Not even sure how they are still afloat.

They will probably reply to me with some sort of lie, just as they did below to my wife. but the system doesn't allow us to reply back. which is a pity.
Lesson: sometimes paying a bit more is worth it. and the difference doesnt justify the pain we went through in the last 6 months with Foyer.

Top service professionnel rapide 💪🏻 je peux que conseiller

La communication chez Foyer est lamentable. Le service client aux abonnés absent et pour les remboursement, je n'en parle même pas.
Il faut envoyer 4 mails pour espérer avoir une réponse et quand ils répondent, ça n'a aucun rapport avec votre question.

A total scam. Only 7 months with them and breaking the contract for multiple issues. Lack of response , lack of refunds, intentionally change of submission dates in their system...a total NIGHTMARE from day one. Never had any single problem with our previous insurance company, only changed cause Foyer offered a better price. But it comes with plenty of issues and headaches. We even had to scalate to the government in order for them to refund us what was legally in the contract. Be AWARE.

Be careful - they enjoying the payments from you but not willing to pay! Policy was cancelled by the insurer after premiums had been paid, following a retrospective exclusion raised after policy inception. Coverage was therefore effectively unusable. Despite this, no refund was offered after cancellation, with no meaningful consideration of the circumstances. Overall a very disappointing experience. I would like to add that the exclusion came out of a cortisone injection I had 2 years ago (which is common as a Semi-Professional Handball Player).

these people are absolutely horrible - they refused to pay 50 euros for a doctor visit and after I cancelled they refused to cancel and are now threathening me with court if I dont pay

Hélas dès que votre profil de patient ne les intéresse plus, ils doublent la prime d’assurance pour vous obliger à résilier le contrat devenant trop cher…

Krankenkasse drückt sich vor Zahlungen für Standardleistungen.Bin seit Jan 2025 dort versichert. Habe 2 Rechnungen eingereicht. Bei beiden Rechnungen musste ich Berichte von Ärzten schreiben lassen und Laborergebnisse einreichen. Die Diagnose in den Rechnungen mussten mit ausführlichen Berichten gerechtfertigt werden. Das bei absoluten Routine-Vorfällen. Musste Tage in die Kommunikation investieren kämpfen, das die Rechnungen doch anerkannt werden. Total unseriös. Werde kündigen. Vorsicht vor dieser unseriösen Firma.

Das Unternehmen reagiert nur, wenn überhaupt, nach der Veröffentlichung von schlechten Bewertungen. Obwohl ich als Referenznummer immer meine Vertragsnummer hinterlassen habe, wird versucht die Bewertung zu löschen. Weil angeblich niemand weiß um was es geht. Schriftlich werden Falschinformationen, in meinem Fall über Rückerstattungsfristen, herausgegeben. Abweichend von den AGBs. Unter aller Kritik.

Leistungen werden nicht abgerechnet.
Da steckt ein System dahinter .
Solange man nur Beiträge zahlt und nicht hat ist alles gut.
Sobald was abzurechnen ist geht der Zirkus los.

la pire assurance au monde. J'ai eu 2 Problèmes avec eux.

1 - J'ai eu un probleme medicale à l'étranger, j'ai du me faire prendre en main. J'ai contacté celui qui était censé s'occuper de moi. Il ma garanti que je serai remboursé si je fournissais l'avis du medecin, les factures etc etc. J'ai payé pour + de 500 euros. Lorsque je contacte le service client, ils refusent de tout rembourser et rembourse une partie des factures seulement 200 euros ET dans une autre devise avec un taux de change à leur avantage biensur. Alors que ca faisait plus de 8 mois que j'étais chez eux à 250 euros par mois faites le calcul ..
2 - Je payais par carte chaque mois et on me l'a volé donc je l'ai désactive en oubliant de mettre une nouvelle carte sur le site de cette assurance. Ils ne m'ont jamais contacte pour me dire que le paiement ne passait plus et une fois j'ai du aller chez le medecin, une bonne consultation pour 250 euros. Ils ont pas voulu me remboursé car je ne payais plus les mensualités, ok je comprends ? Mais ils m'ont demandé de quand même remboursé les mensualités impayés et même si je remboursais les 4-5 mensualités je ne serai pas indemnisé de ma consultation à 250 euros ..

LE PIRE c'est que au vu de leur politique douteuse j'ai voulu arreter avec eux et m'ont dit : " Vous êtes abonné pour 1 an et l'abonnement a été renouvelé il y a 1 mois de cela. Ducoup vous devrez payer encore 1 année entière avant de vouloir vous désabonner"

Après avoir eu plusieurs interlocuteurs ne ligne complètement irresponsable et débiles, j'ai réussi à m'en sortir.

SVP n'allez pas chez ce SCAM

Absolut unprofessionell und diskriminiert mich indem die auf gar keine Email Antworten! Meine Meinung nach Behandeln sie mich wie ein Mensch 3. Klasse.Die Versicherung hat uns von Anfang an Falsche info gegeben und wurde gesagt alle Emergeny Aufenthalte sind abgedeckt. Wir haben in 2 Sprachen in 4 Video calls nachgefragt ( da wir schon mal ein Autounfall hatte wollten wir sicher gehn), uns wurde gesagt das wenn wir Notfall ins Krankenhaus kommen die Versicherung alles deckt. Ich will euch nicht langweilen nachdem ich Notfalls in Spanien ( nicht in Asien oder irgendwo weitweg) ins Krankenhaus kam, konnte die Versicherung mich nicht als ich anrufen, nicht als Kunden finden. Nach 8 Stunden in der NOTAUFNAHME, Und arzt report, in SPANIEN! Hat die Versicherung mir nichts erstattet und ich blieb auf 650€sitzen. Nach Monate Langer Beschwerden haben die mir Nun über die Nummer +352 621 393 180 schon 3 mal bestätigt das ich das Geld " aus Kulanz" zurück bekomme. Seit Juni- NICHTS. Antworten nicht auf Emails - GAR NIX!!!Nur der Herr der die Obige Nummer Betreut versucht mir seit Juni zu helfen und vertröstet mich! ABER ich glaube auch er WIRD bei der FOYER einfach Ignoriert genau wie wir als Kunden. Ich habe in 8 Ländern dieser Welt gelebt und ich sage Euch es gibt besser Versicherungen- jede Reiseversicherung ist besser Als die FOYER GLOBAL HEALTH. Andere haben es hier auch geschrieben und wir alle schreiben diese Kommentare nicht aus Spass! ICH KANN DIESE "VERSICHERUNG " NIEMANDEN ERKLÄREN oder EMPFEHLEN!

Une assurance d’une incompétence rare.
Prélèvements automatiques arrêtés du jour au lendemain, prime doublée sans prévenir, remboursements bloqués sans la moindre explication. Et quand on appelle ? Aucune solution, aucune remise en question, juste du mépris et une absence totale de communication.

Je suis étudiante, j’ai transmis tous les justificatifs sur leur plateforme, mais ils refusent toujours de rembourser tant que je n’ai pas payé — alors que l’erreur vient d’eux.
Un système absurde, déshumanisé, et surtout profondément malhonnête.

Service client inexistant, zéro empathie, aucune responsabilité.
Ils se cachent derrière leurs procédures et laissent leurs assurés se débrouiller seuls.

Bref, une honte. Je déconseille cette assurance à quiconque tient un minimum à sa santé mentale.

Due to a contribution increase of over 50 per cent, I have terminated the contract retroactively with a special right of termination as of 30 August 2025.
Because I received a series of incorrect bills for the following months, I transferred a monthly payment on 3 September solely to avoid falling into arrears. The confirmation of the cancellation of the contract took several weeks and they have never commented on the repayment of the overpaid contribution. Probably they want to keep it and lawyer is needed to get the money back. I do not want to know what happens when you are in hospital and depend on their payment policy. Worst healthcare company.

This company is a disaster. Claims are mishandled, communication is slow and confusing, and responses take over a week for each single email. Their team shows no professionalism.

For a simple GP visit for minor muscular pain—clearly covered by my plan—they demanded a three-year medical history. Not only is this unacceptable, but we also needed three email exchanges (waiting seven days to get a response after each email) to finally understand the request for this report (on top of other forms that had to be filled in by the practitian). This is a clear tactic to avoid reimbursing legitimate claims.

Foyer Global is clearly a fraud, hires clearly poorly trained and understaffed personnel and denies coverage.

Avoid this company at all costs.