Global Health レビュー 

Tout était parfait, de la demande de prise en charge au remboursement. Je recommande vivement.

Super unkomplizierte Abwicklung, auch Gesundheitschecks in Deutschland (Herkunftsland) werden bewilligt

Worst experience ever for my expat insurance in China. Avoid at all costs. Unlike many other insurance companies no direct billing available with major clinics. First you have to pay your Foyer insurance premiums, next you have to pay for the invoices from clinics. When you submit your Invoice for reimbursment you receive an automatic reply that your claim will be processed as soon as possible. Weeks are passing, no reply and no chance to have any update on the progress. Same automated reply from claims email. WhatsApp clerk would read your messages and just ignore them. Wish I could read all the reviews before appling for Foyer's insurance.

Foyer Global Health ist seit Jahren die Krankenversicherung unseres Vertrauens. Abrechnungen erfolgen zeitnah, Rückfragen werden ebenfalls zeitnah und positiv beantwortet.

Das positive Vorweg: es wird fast alles erstattet...
Negativ: Teuer! Und es dauert echt lange, bis man seine Erstattungen bekommt. Zudem wurde uns bei der Anmeldung meines Mannes nicht mitgeteilt, dass eine Gicht (nicht chronisch, sein letzter Anfall lag Jahre zurück) nicht mit übernommen werden wird und wir blieben auf den teuren Kosten sitzen. Daher haben wir nun gekündigt und für ein Jahr eine günstigere Versicherung gewählt.
Da sie aber sowohl im Ausland als auch in Deutschland generell auch langfristig behandeln, werden wir wohl wiederkommen, da wir uns beruflich auch immer mal in Deutschland aufhalten und uns, falls (Gitt bewahre) mal was schlimmes passieren sollte, natürlich auch in nähe von Angehörigen behandeln lassen möchten.

Eine Versicherung, die im 21. Jahrhundert angekommen ist und unkompliziert und schnell alle Sachverhalte klärt.

Ich bin seit März diesen Jahres bei Foyer Global Health.

Hatte Mitte Mai den ersten claim via email eingereicht, danach weitere auf der Homepage im Portal. Habe dann per Email + WhatsApp darauf hingewiesen. Wurde mehrmals vertröstet, auch telefonisch. Klang plausible dass die IT momentan nicht funktioniert und es etwas länger dauert. Alles ok soweit, hatte mich dann wieder gemeldet und keine Antwort mehr bekommen. Dann nochmal geschrieben und gesagt es wird dann dem Anwalt weiter gegeben.

Daraufhin keine Antwort. Gebe hiermit 7 Tage Zeit die claims zu überweisen, sollte dann nichts da sein werde ich alles dem Anwalt weitergeben. Ist alles schwarz auf weiß im Chat und habe alle Emails.

Kann jedem davon nur abraten das schlimme ist nicht das verlorene Geld sondern die verlorene Zeit die ich mit diesem Unternehmen verschwenden muss.

Werde hier weiter berichten sollte sich doch noch was tun.

Edit 1: Im Kundenportal wurde es schon als erstattet markiert aber das Geld ist noch nicht überwiesen.

Es scheint mir als ob es in Wahrheit wirklich ein organisatorisches Problem ist und nicht böswillig, allerdings frage ich mich wie das so funktionieren wird in Zukunft?
Werde weiter berichten wann/ ob das Geld ankommt.

Edit 2:

Die Rückerstattung kam dann tatsächlich an. Wo es anfangs so aussah als würde sich nicht gekümmert, war wohl sehr viel los im Hintergrund was zu Verzögerungen führte. Am Ende ging alles gut aus, gebe hier nun 4 Sterne. Werde diesen thread weiter aktualisieren in der Zukunft. Danke an das Foyer Team!

Toller Kundenservice. Ich kann Foyer Global Health uneingeschränkt empfehlen.

A fabulous and reliable health insurance. I have been very happy with the claim handling and communication. Customers can choose different insurance categories according to their needs. I have been able to see consultants in various countries as I have two residences and occasionally live in the Uk but sometimes see doctors in Germany or France. Foyer allows this flexibility.

Schnelle Rückmeldung auf Rückerstattungen, kompetente und schnelle Beratung wenn es um die Suche eines Dienstleisters geht, nettes Personal am Telefon.

Foyer Global Health Insurance upon on your reply it shows you haven't read my feedback, as well, your reply seems to be standard. Until now, I have not heard nor got an email from your company.

Won't recommend Mayfair - Le Foyer insurance! Stay away and go with Alliance or Bupa!

Their customer support is a nightmare, same with their policy not clear what isn't covered. The policy terms have only been sent after I asked for it, as well, it's full of loop holes in their interest.

Caution: The detailed terms aren't send mentadory in the first contact nor when you get the customer contract.

They ask you: to pay upfront, upload the invoice with the diagnosis.

My first claim: Had an issue with suddenly skin rashes and migraines.

Below is an example as proof, declined without any furhter information provided from their side nor the policy terms:

Please note your claim adjudicated per policy term. Unfortunately, we are unable to cover Migraine and Skin Rash disorder condition as per policy exclusion.

Kindly find below the policy excerpt for your perusal.

31. Arising from epilepsy, migraines and narcolepsy.

33. Arising from disorders of the skin; corns, calluses, etc

I trust this clarifies and regret that we are unable to help you in this instance.

Thanks and Regards,
Sudheendra
Claims Assessor

I have no complaints and just recommend this company

Horrendous claims process. As others have said, you have to upload stacks of papers. Every GP or specialist appointment needs to be accompanied with a letter explaining the purpose of the visit. Even with this and a detailed invoice, claims are often arbitrarily denied - often without reason and just stating “not in policy terms” - which is patently untrue.

For any new condition - e.g. visit to a doctor for back pain - they ask for your entire medical record. This is even if you have a moratorium and haven’t claimed for it within those years. As global expats, often you don’t have a “family” doctor who you see consistently so this makes a farce of the whole situation. I’ve provided my medical record before joining foyer and had letters from my doctor stating they’ve never seen me for the condition before, yet still claims denied. If you try to contact them for help you get no reply whatsoever - absolutely none.

Claims take roughly 6 weeks to process (or to get the first query returned) and have done for the entire time I have had my policy (c. 5 years) so this isn’t a new issue. MD always giving interviews about their digital transformation but everything is still done via scanned PDF. Outpatient cashless is non-existent as they don’t have a network. Absolutely useless. Save yourself the hassle and go with a reputable name - Cigna, Aetna, AXA etc.

I am incredibly disappointed with Foyer Health Group Insurance and their lack of responsiveness, particularly given the time-sensitive nature of health insurance issues. I have been waiting for almost two weeks to receive any response from them to my emails, and it's very frustrating.

As a health insurance provider, Foyer Health Group should understand the importance of timely communication, especially when dealing with matters that can have serious consequences for customers' health and well-being. The lack of timely responses to emails is unacceptable and can lead to unnecessary stress and uncertainty.

In addition to their poor communication, I have encountered several technical issues on their website. I have been unable to download important documents such as my contract, which only adds to the frustration and lack of transparency that I've experienced with this company.

Moreover, Foyer Health Group did not withdraw my payment on time, and I had to remind them to do so. Interestingly, they responded quite quickly in this instance, demonstrating their ability to provide prompt service when it benefits them, but not when it comes to addressing the concerns of their customers.

Overall, I cannot recommend Foyer Health Group Insurance due to their unresponsiveness, lack of transparency, and unreliable website. This is a company that customers should approach with caution, as their poor service could lead to unnecessary complications and stress in dealing with health insurance matters.

They are legit and paid for all my claims, therefore, I am very happy with my service. Good luck :-)

Like others have said already, their reimbursement process is very chaotic and non-transparent in my view. Everything takes a very long time and remarks on the reimbursement requests in their Online Portal seem to be ignored or not paid attention to… Sometimes claims are declined stating that they need medical files from the previous health insurance dating back up to four years.
I once had a situation where I urgently needed to do a CT scan and wanted to know whether the costs will be reimbursed eventually. I contacted their Whatsapp number only to hear four hours after the CT scan took place “Sorry, I was in a meeting and just saw your message.” It also surprised me that they are not even using a Whatsapp Business Account.
When I was interested in this insurance in the very beginning there were like 3-4 to sales people chasing me and sending me multiple emails. Sadly, once you are insured with them, at least per my experience, you will face a wall of silence to all your remarks and questions. The only thing that works like clockwork is them sending you your monthly invoice.

You always have to wait ages for bills getting paid. Also they mess them up all the time. They have a huge chaos, often they decline something, and then apprive afterwards. My account is a big mess because they dont have structure

𝟮𝟬𝟮𝟰𝗝𝗔𝗡𝟮𝟲 𝗨𝗽𝗱𝗮𝘁𝗲: 𝘈𝘣𝘴𝘶𝘳𝘥𝘭𝘺 𝘨𝘰𝘰𝘥 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦! I recently went in for an endoscopy and colonoscopy and every step of the way Foyer’s contractors C² Paris as well as Foyer themselves have been rapid and communicative. Thank you in particular to 𝗘𝗿𝗶𝗰 at C² Paris

𝟮𝟬𝟮𝟯𝗢𝗖𝗧𝟬𝟵 𝗨𝗽𝗱𝗮𝘁𝗲: Unfortunately I've seen 𝘯𝘰 𝘪𝘮𝘱𝘳𝘰𝘷𝘦𝘮𝘦𝘯𝘵 in their processes. As others have stated here they require specific documentation when you claim. I could accept this if they didn't make the process so 𝘤𝘶𝘮𝘣𝘦𝘳𝘴𝘰𝘮𝘦 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘤𝘭𝘢𝘪𝘮𝘢𝘯𝘵. They'll always send an automatic response upon receiving a claim which serves to do nothing but fill your inbox. Then upon rejection, they will send you two attachments. One of which is superfluous. The second states what documentation they need. However this is in a separate email, so not in the thread of your original claim. The references they share for your claim make it no easier for the customer and the email will be at least two weeks after you have put the claim through.

𝙄 𝙝𝙖𝙫𝙚 𝙤𝙛𝙛𝙚𝙧𝙚𝙙 𝙩𝙝𝙞𝙨 𝙩𝙞𝙢𝙚 𝙖𝙣𝙙 𝙩𝙞𝙢𝙚 𝙖𝙜𝙖𝙞𝙣. 𝙄𝙛 𝙖𝙣𝙮𝙤𝙣𝙚 𝙖𝙩 𝙖𝙡𝙡 𝙛𝙧𝙤𝙢 𝙮𝙤𝙪𝙧 𝙘𝙪𝙨𝙩𝙤𝙢𝙚𝙧 𝙨𝙪𝙘𝙘𝙚𝙨𝙨 𝙩𝙚𝙖𝙢 𝙬𝙤𝙪𝙡𝙙 𝙡𝙞𝙠𝙚 𝙩𝙤 𝙨𝙥𝙚𝙖𝙠 𝙬𝙞𝙩𝙝 𝙢𝙚 𝙖𝙗𝙤𝙪𝙩 𝙮𝙤𝙪𝙧 𝙥𝙧𝙤𝙘𝙚𝙨𝙨𝙚𝙨 𝙖𝙣𝙙 𝙪𝙣𝙙𝙚𝙧𝙨𝙩𝙖𝙣𝙙 𝙬𝙝𝙖𝙩 𝙮𝙤𝙪𝙧 𝙘𝙪𝙨𝙩𝙤𝙢𝙚𝙧 𝙞𝙨 𝙖𝙘𝙩𝙪𝙖𝙡𝙡𝙮 𝙜𝙤𝙞𝙣𝙜 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙄 𝙖𝙢 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙝𝙖𝙥𝙥𝙮 𝙩𝙤 𝙙𝙤 𝙩𝙝𝙞𝙨 𝙛𝙤𝙧 𝙮𝙤𝙪.

P.S. This is the email you receive upon claiming: 𝘋𝘦𝘢𝘳 𝘚𝘪𝘳 / 𝘔𝘢𝘥𝘢𝘮, 𝘠𝘰𝘶𝘳 𝘳𝘦𝘲𝘶𝘦𝘴𝘵 𝘧𝘰𝘳 𝘳𝘦𝘪𝘮𝘣𝘶𝘳𝘴𝘦𝘮𝘦𝘯𝘵 𝘩𝘢𝘴 𝘸𝘦𝘭𝘭 𝘣𝘦𝘦𝘯 𝘳𝘦𝘤𝘦𝘪𝘷𝘦𝘥 𝘢𝘯𝘥 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘱𝘳𝘰𝘤𝘦𝘴𝘴𝘦𝘥 𝘢𝘴 𝘴𝘰𝘰𝘯 𝘢𝘴 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦. 𝘞𝘪𝘵𝘩 𝘬𝘪𝘯𝘥 𝘳𝘦𝘨𝘢𝘳𝘥𝘴, 𝘠𝘰𝘶𝘳 𝘍𝘰𝘺𝘦𝘳 𝘎𝘭𝘰𝘣𝘢𝘭 𝘏𝘦𝘢𝘭𝘵𝘩 𝘛𝘦𝘢𝘮. What purpose does this serve?

𝟮𝟬𝟮𝟯𝗠𝗔𝗬𝟭𝟲 𝗨𝗽𝗱𝗮𝘁𝗲: After the call on May 15th the claims team immediately worked on my issues and updated me on ones still outstanding due to extenuating circumstances. Calling definitely works in this instance which suggests that the team is competent but must be under a large amount of work currently. I implore your operations team to look at your workflow processes. Your claims team are superb.

𝟮𝟬𝟮𝟯𝗠𝗔𝗬𝟭𝟱 𝗨𝗽𝗱𝗮𝘁𝗲: I have had a few claims outstanding for a month and so recently called the company. I must say that the claims team on the call were 𝘃𝗲𝗿𝘆 𝗴𝗼𝗼𝗱 𝗮𝘁 𝗵𝗮𝗻𝗱𝗹𝗶𝗻𝗴 𝗺𝘆 𝗳𝗿𝘂𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 and gave information about the hold-ups. I honestly think the team at Foyer have good intentions at heart, but they need to look at their processes and systems to catch up to the customer service they exhibit over the phone.

𝟮𝟬𝟮𝟯𝗔𝗣𝗥𝟭𝟴 𝗨𝗽𝗱𝗮𝘁𝗲: I will be using the phone number below as I have had to chase 9 claims and counting. I'm currently working on a personal referencing system to be able to hold Foyer accountable. I will update readers here as to how this process goes, as well as how effective calling the company is.

𝗢𝗿𝗶𝗴𝗶𝗻𝗮𝗹 𝗣𝗼𝘀𝘁:
They make their claims process as inefficient as possible. They don't reference any evidence you provide, reply to any queries, or follow up at all on anything.

My context is that my wife gave birth and suffered complications afterwards. It's been incredibly stressful and the only incompetent part of the whole process was Foyer.