Underwritten By



Regulated By



Globality Health International Health Insurance Video

Globality Health YouGenio® World International Medical Insurance

Key Facts

Overview

  • Founded 2008
  • N/A Rated (A.M Best)
  • Unknown total members (est.)
  • Headquarters: Luxembourg
  • Underwriter: Globality HEalth

Products

  • Range: YouGenio® World
  • Type: International Medical
  • For: Individuals & Families
  • Duration: 12 months
  • Status: Active
  • Currencies

Member Services

Features

  • In-Patient Direct-Billing
  • Emergency Assistance
  • Multilingual helpline
  • Medical Advisory helpline
  • Application fee

Areas of cover

  • Area 1: Worldwide
  • Area 2: Worldwide Excluding USA
Globality Health (formerly known as DKV or DKV Globality) focuses on providing quality international medical insurance for expats. Launched in 2008, they are administered in Luxembourg, regulated by the "Commissariat aux assurances de Luxembourg" and underwritten by Globality Health (themselves). Unlike most, they speak a wide range of languages including English, French, German and Spanish making them an accessible option relative to most especially for European clients.

Their individual policy range known as YouGenio® World is an annually renewable and offers a choice of four different plans designed for expats living, working or retired abroad.
Good Price / Benefits Trade-off
Moratorium and FMU underwriting
Automatic, online renewal
Manage claims online
Lifetime renewable
14 day money back guarantee
Possible cover for pre-existing conditions
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"I am grateful for the exemplary service you provided to us throughout this process. It was a pleasure working with you."
Alex, Malaysia.
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Phil, China.
"We really appreciate your support and certainly looking forward to our continuous cooperation!"
Kylie, China.

Globality Health YouGenio® World Member Services

Get access to a wide-range of quality member services from Globality Health.
A key service offering of Globality Health is their Globalites network of high-quality, healthcare service partners which are located throughout the world. Their decentralised approach to service means capitalising on local knowledge and ultimately maximum service quality in each respective region. Other highlights include guaranteed lifetime renewability, no limit on the maximum age of entry, possible cover for pre-existing conditions and online services to help you manage your policy throughout the year.
24/7/365 Multilingual Helplines
Globalites® Provider Network
International Emergency Care
My Globalite Members Area
Choose Any Hospital & Doctor
Robust Financial Stability

Globality Health YouGenio® World Sub Products

The YouGenio® World policy range consists of four sub-products: "Essential", "Classic", "Plus" and "Top", with increasing cover levels. All have private hospital room accommodation as standard, while the Plus and Top plans allow you to have a Nil deductible The amount of money that you must pay before the insurance company will start paying for medical expenses. Your deductible / excess is subtracted from your reimbursable sum when a claim is made. if preferred. Their plans can also cover the costs of cardiac pacemakers, artificial limbs and prosthesis which are often not covered by other insurers with the added bonus that some benefits do not having any financial cap .

The Top plan covers vaccinations and maternity benefits without limit, making the policy ideal for someone based in a location with expensive maternity treatment costs. Generous benefit limits also apply to acupuncture, homeopathy, osteopathy and chiropractic treatment and wellness checks are included on the Plus and Top plans. Dental cover is a particular strength of the YouGenio® plans.

Essential

Classic

Plus

Top

Great for: Great for: Great for: Great for:

EU insurer covering expats, with admin in Luxembourg

EU insurer covering expats, with admin in Luxembourg

EU insurer covering expats, with admin in Luxembourg

EU insurer covering expats, with admin in Luxembourg

Value Value Value Value
Coverage Coverage Coverage Coverage

Major medical cover with high cover limits

Good benefit limits allow comprehensive care

Excellent benefit caps and maternity cover

High maternity cover with many benefits fully covered

Areas of Cover

The YouGenio® World policy range provides cover on a global basis.

Choose from either "Worldwide Excluding USA" or "Worldwide" if you need cover while visiting the USA. Unlike many other providers, Globality Health will cover you in almost any country in the world making them a good potential for those based in more hazardous regions.

Globality Health YouGenio® World Optional Add-Ons

Globality Health provide limited flexibility in the options that you can add onto your product and instead rely on a more traditional approach to offering benefits. Given their benefit offering within their sub-products is relatively high within the market, the need for optional extras will not be a major issue for most.

USA Cover

Provides access to medical treatment while visiting the USA

Supported sub-products Essential
Classic
Plus
Top

Compare Globality Health YouGenio® World Sub Products

Compare Plans

Essential

Classic

Plus

Top

Premium per month Get Quotes Get Quotes Get Quotes Get Quotes
Deductibles Deductibles
Also known as excess, this is the money that you pay before the insurance company starts paying for medical expenses. Deductible can be per sickness/injury, per insurance period or per year and usually applies to each insured member of the policy separately.
Brochure Pack Brochure Pack
Download official documents associated with this policy range such as the brochure, table of benefits and policy wording.
Download Globality HEalth Brochure Pack Download Globality HEalth Brochure Pack Download Globality HEalth Brochure Pack Download Globality HEalth Brochure Pack
Maximum Benefit Maximum Benefit
The maximum amount per year that the insurance company will pay for treatment.

$2.6 million

$3.9 million

$6.5 million

$9.75 million

USA Elective Treatment USA Elective Treatment
When this option is included, you will be the eligible to receive elective treatment when visiting the United States on trips.


In-Patient

In-Patient
Refers to treatment in a hospital / clinic where an overnight stay is medically necessary.

Essential

Classic

Plus

Top

Hospital Accommodation Hospital Accommodation
The type of bed that you will stay in overnight in a hospital or clinic.

Private

Private

Private

Private

In-Patient Surgery In-Patient Surgery
Any surgery where the patient needs to remain overnight or longer in a hospital or clinic after the surgery is completed.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Prescription Drugs Prescription Drugs
Pharmaceutical drugs available only on the prescription of a registered medical practitioner and available only from pharmacies.
Organ Transplant Organ Transplant
Cover for a surgical operation in which an organ is moved from a donor to a recipient.

$130,000

$195,000

$260,000

Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.
Rehabilitation Rehabilitation
Treatment aimed at the restoration of a normal form / function after an acute illness or injury. Rehabilitation is usually provided following acute medical treatment.

21 days

21 days

28 days

28 days

Hospice Hospice
Treatment following the diagnosis that a condition is terminal and treatment can no longer be expected to cure the condition. Typically includes physical and psychological care as well as hospital or hospice accommodation, nursing care and prescription drugs.

7 weeks

7 weeks

7 weeks

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology Oncology
Refers to treatment associated with tumours such as diagnostic tests, radiotherapy, chemotherapy and other hospital fees associated with the treatment of cancer.


Out-Patient

Out-Patient
Refers to treatment provided in the practice or surgery of a medical practitioner, therapist or specialist that does not require the patient to be admitted to hospital.

Essential

Classic

Plus

Top

Out-Patient Surgery Out-Patient Surgery
Also known as ambulatory surgery, same-day surgery or day surgery, provides cover for surgery that does not require an overnight hospital stay.

$3,900 (following IP treatment)

Medical Practitioner Fees Medical Practitioner Fees
Refers to costs / bills arising from treatment performed or administered by a medical practitioner (a physician who is licensed to practice medicine under the law of the country in which treatment is given).
Specialist Fees Specialist Fees
Expenses associated with consultations or treatment by a specialist.
Prescription Drugs Prescription Drugs
Expenses associated with consultations or treatment by a specialist.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Diagnostic Scans Diagnostic Scans
Refers to cover for costs incurred as a result of obtaining advanced diagnostic tests such as MRI, CT, PET and PET-CT scans.
Home Nursing Care Home Nursing Care
Cover for health care or supportive care provided in the patient\'s home by healthcare professionals.

30 days

60 days

90 days

Prosthetic Devices Prosthetic Devices
Refers to artificial body parts or devices, which are an integral part of a surgical procedure or part of any medically necessary treatment following surgery.

$1,300

$2,600

Chiropractic Chiropractic
Treatment based on the diagnosis and manipulative treatment of misalignments of the joints, especially those of the spinal column.

$1,300

$3,250

$6,500

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.
Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.

15 sessions

20 sessions

Oncology Oncology
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.
Alternative Therapies Alternative Therapies
Refers refers to therapeutic and diagnostic treatment that exists outside of conventional Western medicine. Usually includes chiropractic treatment, osteopathy, Chinese herbal medicine, homeopathy and acupuncture.

$1,300

$3,250

$6,500



Maternity

Maternity
Refers to cover for medical costs incurred during pregnancy and childbirth, including hospital charges, specialist fees, mother's pre and post-natal care, as well as newborn care.

Essential

Classic

Plus

Top

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$6,500

$26,000

Newborn Care Newborn Care
Cover for examinations and diagnostic test required to determine the health of a newborn child carried out immediately following childbirth. Some plans but not all, also include more comprehensive diagnostic newborn tests such as blood type and hearing. If problems are discovered, then sometimes Insurers may include cover for more complex medically necessary treatment and diagnostic tests.
Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$195,000

$195,000

$195,000

$195,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.


Dental

Dental
Dental treatment designed to pay a portion of the costs associated with routine, complex and emergency dental care.

Essential

Classic

Plus

Top

Emergency In-Patient Emergency In-Patient
Provides a refund for emergency dental treatment due to a serious accident requiring hospitalisation. Cover under this benefit does not usually extend to follow-up dental treatment, dental prostheses, orthodontics or periodontics.
Emergency Out-Patient Emergency Out-Patient
This usually includes treatment received in a dental surgery or hospital emergency room for the immediate relief of dental pain. Cover includes temporary fillings, and / or the repair of damage caused in an accident.
Routine Routine
Usually includes an annual dental check up, simple fillings related to cavities or decay and root canal treatment.

pain relief only

Complex Complex
Provides cover for specilised dental treatments and procedures such as dental prostheses, orthodontics or periodontics.
Orthodontic Orthodontic
Refers to the use of devices to correct malocclusion and restore the teeth to proper alignment and function.


Well-Being

Well-Being
Refers to measures and treatments taken to prevent diseases and promote good health rather than curing them or treating their symptoms.

Essential

Classic

Plus

Top

Routine Health Check Routine Health Check
Routine health checks usually including cancer screening are tests/screenings that are undertaken without any clinical symptoms being present. Such tests are performed, at an appropriate age interval, for the early detection of illness or disease.

$325

$650

Vaccinations Vaccinations
Refers to immunisations and booster injections in addition to the cost of consultation for administering the vaccine.

$325



Psychiatric

Vaccinations
Refers to healthcare benefits dealing with the diagnosis and treatment of mental disorders.

Essential

Classic

Plus

Top

In-Patient Treatment In-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist where an overnight stay in a hospital or clinic is necessary.

20 days

40 days

Out-Patient Treatment Out-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist in a hospital or clinic where an overnight stay is not required.

$1,300

$6,500



Evacuation

Evacuation
Evacuation covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby. Repatriation, gives you the added benefit of returning to your home country to be treated in familiar surroundings.

Essential

Classic

Plus

Top

Medical Evacuation Medical Evacuation
Covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby.
Medical Repatriation Medical Repatriation
Cover for costs incurred as a result of returning to your home country to be treated in familiar surroundings.
Repat' of mortal remains Repatriation of mortal remains
Covers the costs of transportation of the insured person’s mortal remains from the principal country of residence to the country of burial. Covered expenses typically include, expenses for embalming, a container legally appropriate for transportation, shipping costs and the necessary government authorisations.

$3,250

$6,500

$9,750

$13,000

Compassionate visit Compassionate Visit
Cover for the travel and other expenses of a relative's visit.

$1,950

$3,900

Companion expenses Companion expenses
Includes cover for transportation and accommodation for a relative of the patient to country and place where the patient is receiving treatment.


Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Essential

Classic

Plus

Top

Eye tests & consultations Eye tests & consultations
Meeting and tests with an eye specialist to assess your sight and vision.

$195

$325

Glasses & contacts Glasses & contacts
Cover for prescribed spectacle or contact lenses. Sometimes does not include cover for spectacle frames.

$195

$325



Chronic Conditions

Chronic Conditions
Treatment for a sickness, illness or disease which is recurrent, without a cure, does not respond well to treatment, requires prolonged supervision / care and / or leads to permanent disability.

Essential

Classic

Plus

Top

Monitoring & maintenance Monitoring & maintenance
Also known as palliative care, provides care or treatment that concentrates on constantly monitoring and reducing the severity of disease symptoms, rather than striving to halt, delay, or reverse progression of the disease itself or provide a cure.
Stabilisation of chronic episode Stabilisation of chronic episode
Short term treatment of acute episodes of a chronic condition - the aim of which is to return the patient to the state of health they were in immediately before suffering the episode, or which leads to full recovery.
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Policy Conditions

This policy is designed for individuals and families who are living or working abroad for more than 12 months. USA citizens must live abroad or plan to leave the USA on their policy start date.

Eligibility

Exclusions

Expat Health Insurance
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