World-class international health insurance plans for expatriates and their families.

Globality Health: ensuring the nomads of today!

Globality is an international health insurer with a special focus on expatriates – people who study, live or work abroad. As a member of Munich Health with more than 5,000 experts at 26 locations worldwide, we offer innovative healthcare solutions for clients and partners all over the world.
With Globality CoGenio® and Globality YouGenio®, we offer flexible underwriting solutions, high-level products with comprehensive outpatient, inpatient and dental insurance cover and market-leading services around the globe. 
Cogenio: Flexible and modular insurance solutions for internationally operating companies with comprehensive benefits (for inpatient, outpatient and dental treatment), as well as special assistance services. Seamless cover of the global workforce: easy handling across borders, global cost containment; detailed management reporting and key accounting.
Preexisting conditions covered. No Waiting periods for pregnancy childbirth or dental treatment. No maximum age restrictions. Flexible payment methods without surcharges. Double payment methods without surcharges. Double benefits for all plans that include the USA. Available for 10 employees and more.

YouGenio: Private health insurance for individuals and their families who reside abroad. Preexisting conditions covered after risk assessment. No minimum or maximum age restrictions. Cover for chronic conditions. Scope for cover: classic, plus, top with a wide range of deductible. YouGenio consists of the following plan levels:

YouGenio World plans at a glance 
Globality  Top plan 

+ Annual overall limit of €7 500 000 ; $9 750 000 ; £6 300 000 for hospitalisation,
+ Outpatient Treatment Care including Maternity Care,
+ Dental Care, Vision Care & Assistance.
The following table of benefits is an extract of the complete scope of benefits and services.
Optional: Deductible only on Out-patient treatment care $325, $650, $1 300, $3 250
Inpatient treatment (Hospitalisation - Emergency)
 
• Accommodation in a private or semi-private room
• Medical treatment (examination, diagnosis and medical services, for example, radiology, computed tomography (CT), magnetic resonance imaging (MRI)
• Transport to the nearest hospital
• Drugs and dressings
• Therapies/ physiotherapy
• Therapeutic aids and appliances as a life-saving measure (e.g. cardiac pacemakers)
• Psychiatric treatment
• Inpatient psychotherapy
• Other therapeutic aids and appliances (e.g. artificial limbs/ prostheses) 
• Medical treatment during pregnancy and childbirth; midwife or obstetric nurse but excluding screenings during pregnancy, reimbursement of costs up to €20,000 / $26,000 / £16,800 per insurance year (Waiting period of 10 months)
• Outpatient childbirth, lump sum of €500 / $650 / £420
• Chemotherapy, oncological drugs and treatment
• Nursing care at home and domestic help for up to 90 days
• Inpatient follow-up rehabilitation for up to 28 days per insurance year
• Parent rooming-in during child inpatient treatment (up to 18 years)
• Bone marrow and organ transplants (reimbursement of costs for patient and donor) 
Outpatient treatment Care
 
• Medical treatment (examination, diagnosis and medical services, for example, radiology, computed tomography (CT), magnetic resonance imaging (MRI)
• Cancer treatment (chemotherapy, oncological drugs and treatment)
• Drugs and dressings
• Therapies/ physiotherapy, including massages
• Psychiatric treatment
• Outpatient psychotherapy (20 sessions per insurance year with a waiting period of 10 months)
• Screenings, up to €250 / $325 / £210 per insurance year
• Vaccinations, up to €250 / $325 / £210 per insurance year
• Reimbursement of costs for pregnancy and childbirth, up to €2,000 / $2,600 / £1,680 per insurance year
• Infertility treatment (50 % up to €10,000 / $13,000 / £8,400)
• Acupuncture, homoeopathy, osteopathy and chiropractic, up to €5,000 / $6,500 / £4,200 per insurance year
• Vision aids, up to €100 / $130 / £84 per insurance year Dental treatment
• Dental treatment
• Dentures (Implants, orthodontic performances), up to € 5,000 / $ 6 500 / £ 4 200 per insurance year
• Screenings for early detection of disorders of the teeth, mouth and jaw
 
Assistance services 
• 24-hour service with experienced counsellors, own doctors and specialists
• Medical evacuation and repatriation
• Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
• Support and information (by our medical service, second opinion, monitoring of the course of the illness)
• An assumption of costs guarantee and/ or payment of an advance (preparation for a stay in hospital)
• Support in case of bereavement
• Appropriate additional medical support (information on nature, possible causes and possible treatment of illness)
• Online Services
• Organizing visits to the patient (reimbursement of costs up to € 3 000 / $ 3 900 / £ 2 520)
• Procurement and shipment of vital medication
• Psychological help by telephone (up to three calls)
 
Globality Plus Plan
+ Overall limit of €5 000 000 ; $6 500 000 ; £4 200 000 per year for hospitalisation
+ Up to €15 000 ; $19 500 ; £12 600 for outpatient treatment care including dental care, maternity care & assistance. 
The following table of benefits is an extract of the complete scope of benefits and services.
 
Inpatient treatment 
• Accommodation in a private or semi-private room
• Medical treatment (examination, diagnosis and medical services, for example, radiology, computed tomography (CT), magnetic resonance imaging (MRI)
• Transport to the nearest hospital
• Drugs and dressings
• Therapies/ physiotherapy
• Therapeutic aids and appliances as a life-saving measure (e.g. cardiac pacemakers)
• Psychiatric treatment • Inpatient psychotherapy • Other therapeutic aids and appliances (e.g. artificial limbs/ prostheses)
• Medical treatment during pregnancy and childbirth; midwife obstetric nurse but excluding screenings during pregnancy
• Outpatient childbirth, lump sum of €250 / $325 / £210
• Chemotherapy, oncological drugs and treatment
• Nursing care at home and domestic help for up to 14 days
• Inpatient follow-up rehabilitation for up to 21 days per insurance year • Parent rooming-in during child inpatient treatment (up to 18 years)
• Bone marrow and organ transplants (reimbursement of costs for patient and donor) 

Outpatient treatment
 
• Medical treatment (examination, diagnosis and medical services, for example, radiology, computed tomography (CT), magnetic resonance imaging (MRI)
• Cancer treatment (chemotherapy, oncological drugs and treatment)
• Drugs and dressings
• Therapies/ physiotherapy, including massages
• Psychiatric treatment
• Outpatient psychotherapy (10 sessions per insurance year)
• Screenings, up to €250 / $325  / £210 per insurance year
• Vaccinations
• Reimbursement of costs for pregnancy and childbirth
• Infertility treatment (50 % up to €2,000 / $2,600 / £1,680)
• Acupuncture, homoeopathy, osteopathy and chiropractic, up to €2,500 / $3,250 / £2,100 per insurance year
• Vision aids, up to €200 / $260 / £168 per insurance year Dental treatment
• Dental treatment
• Dentures (Implants, orthodontic performances), up to €2,000 / $2,600 / £1,680 per insurance year
• Screenings for early detection of disorders of the teeth, mouth and jaw 
Assistance services 
• 24-hour service with experienced counsellors, own doctors and specialists
• Medical evacuation and repatriation
• Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
• Support and information (by our medical service, second opinion, monitoring of the course of the illness)
• An assumption of costs guarantee and/ or payment of an advance (preparation for a stay in hospital)
• Support in case of bereavement
• Appropriate additional medical support (information on nature, possible causes and possible treatment of illness)
• Online Services • Organizing visits to the patient (reimbursement of costs up to €1,500 / $1,950 / £1,260)
• Procurement and shipment of vital medication
• Psychological help by telephone (up to five calls)
• Organizing return transport or care for children
• Document depot (safe custody, help in obtaining replacements)
• Organizing help in the event of legal difficulties
• Procurement of intercultural training

Globality Classic Plan
+ Overall limit of €3 000 000 ; $3 900 000 ; £2 520 000 per year for Hospitalisation
+ Up to €7 500 ; $9 750 ; £12 600 for Outpatient treatment Care) including Assistance Transportation Evacuation Repatriation.

Globality Essential Plan
+ Overall limit of €2 000 000; $2 600 000; £1 680 000 per year for Hospitalisation, Emergency including Assistance Repatriation Evacuation.

For more information about Globality YouGenio plans, download our brochures down below.