Global Health Reviews 

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

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.

It’s the second time I contact Foyer Global Health for a quote, and the second time they are unresponsive (at least there’s consistency). After asking for a quote by WA, I am told to go on the website. I help myself, get the quote & then receive an email to schedule a follow up call with an advisor. I manage to schedule a Zoom call (quite late in my time zone, most options seem to be for the EU time zone), but nobody showed up…. I sent an email to check & after more than a week, they still dare replying (very casually) asking for my phone number (which they had) or to contact them on WA (which I had done in the first place). And their apologizing for missing the scheduled call would have been too much of an expectation. Such an unreliable sales department isn’t promising at all regarding the service that company would provide as an health insurance provider. Reading other reviews, I am very glad that I did not subscribe to this insurance.

I took out a policy with Foyer Global Health because I was spending more time in Germany due to my father’s terminal ALS diagnosis and wanted reliable international coverage. What followed was one of the most distressing experiences I have ever had with an insurer.

After submitting an urgent claim for medically necessary treatment, I was met with unacceptable delays, communication failures, and administrative incompetence. My claims handler failed to review submitted documents, ignored urgent requests, and delayed the case for weeks—even though my health was rapidly deteriorating.

Then, without any prior notice or opportunity to clarify, my policy was suddenly canceled on a Friday evening. The justification? Alleged “willful non-disclosure” of chronic conditions. This was entirely false. I had disclosed my past (resolved) insomnia in writing and submitted supporting documents before the policy even began. The allegation was based on coding errors from my previous insurer that I had no access to—my policy was direct billing and I never saw these claim codes.

Foyer never contacted me to request clarification from my doctor or to verify the facts. They simply canceled the policy and refused all reimbursement, including for urgent treatments already paid out-of-pocket. I was left with nearly €20,000 in unreimbursed costs, plus months of emotional and physical strain.

I hope others will read this and think twice before trusting this company with their health. I would never recommend Foyer Global Health to anyone.

After two weeks of trying to get into contact to the support...they don t even respond when I try to provide my updated bank details so I can continue paying...how do they respond in the event of a claim? I canceled.

Getting reimbursed has been a real hassle – 3 months of waiting, dozens of emails, and two expensive phone calls to Luxembourg, and I'm still waiting for a claim to be processed. I've sent 6 follow-up emails with more documents than they asked for, but still no response. However, you will always be charged on time, there will be no delay. It's just not professional.
It seems impossible to find an international insurance that reimburses its clients properly, it's a real problem.

Absolutely disappointed to be honest. I switched from passportcard last year and it was a very bad decision. The communication is very bad, the members area is very old and it takes forever to get my money back from the bills I paid.

This is the worst insurance company you could ever find in the globe. AVOID to hire any of their plans, they will simply not provide any response at all and the will not process any claim, they will play the delay strategy while teasing your mental health.Dealing with a claim since OCTOBER and they have not paid any of the bills.

Always excellent and quick service.

If I could give zero stars, I absolutely would. Every time I am in Germany, I end up paying for doctor visits myself because the insurance company, Foyer, always finds an excuse to decline reimbursement due to "insufficient paperwork." The doctors in Germany are very busy, which I understand, and they do provide all the necessary documents. However, Foyer continually demands more paperwork, making the process incredibly frustrating.

Despite the high monthly premiums I pay, Foyer's handling of claims is inefficient and never seems to be enough. It’s not the doctors' fault—they do their part—but Foyer’s constant requests for additional documentation make it impossible to get reimbursed in a timely manner. I am extremely disappointed and expect a much better service.
I am always scared to go to the doctor when I am in Germany because I know I will end up paying myself for it !!
Thank you Foyer for making me cry multiple times !!!

Very good health insurance

The company are quick to reimburse, have clear guidelines and easy to work with.

Do not reply to inquiries at all. I tried email and WhatsApp. NO REPLY.

I believe the negative reviews of poor claims handling and support. Companies who don’t even reply to potential new customers most definitely neglect their current ones.

The reimbursement process is easy and Foyer response is fast.

I raised already an issue before that they needed 3 weeks and 7 emails as well as a post on here before they approved an urgent PETCT due to high cancer markers. A day after my post here suddenly they come back and apologized and promised to improve services. Now i experience the same delay and non respond mindest with my claims that are outstanding since more than 5 weeks now and where i also send them already several explanations.....they just do not even bother to answer. All the declines they do are generic - they do not look properly at the past history where the same doctor was consulted for the same issue and clearly put in the meno that a follow-up in 3 weeks is needed.....it is a very unsatisfactory experience and the issue ones you are with them you are kind of stuck as changing private health insurance is always a bit difficult.

I try to be patient when dealing with anything insurance related, I feel that comes with the territory. But having simple claims submitted in August, and now into November these are still marked "Pending". Their excuse since August has been waiting for bank information to be provided, which was provided shortly after it was asked for - and yet still has not been processed. As for any claims since I don't hold my breath these will be sorted anytime soon. Foyer have also seemingly removed claims from the submission record without informing me or rejecting them (not sure what that is about). More infuriating, is the fact that NOT a single phone number for Foyer has worked today, with every single line saying "This number does not exist". Don't think I need to explain the level of anxiety that triggers. Absolutely fuming and in half a mind to file a formal complaint with the regulator.

I’ve been paying an outrageous amount per year in premiums for my family - yet Foyer challenges most expenses. They question so much that I began to wonder if, in the event of a serious injury or illness, they’d actually cover us or just dig through our medical history to find a way to deny the claim. Their refusal to provide proper coverage is infuriating, and their customer service is consistently unhelpful.
I’m canceling my policy because I’m completely fed up. If you're an expat in the US, avoid Foyer. Stick with more reputable insurance companies. Not only is Foyer virtually unknown over here, but the people I dealt with clearly don’t understand how things work in the US. They request documents that simply aren’t available from some healthcare providers and refuse to acknowledge that things might be different.
I believe even the worst local health insurance would offer better coverage. If I could give zero stars, I would.

Super quick in processing reimbursements. Friendly staff and always responding to my emails. Very satisfied.

I have found their service to be prompt and efficient. Submitting invoices requires minimal effort, and I consistently receive quick responses. They are highly efficient in reviewing, responding to, and reimbursing claims. I have no complaints about their service and would wholeheartedly recommend them.