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Globality Health International Health Insurance

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.

Key Facts
  • Founded: 2008
  • HQ: Luxembourg
  • Support: Luxembourgh
Eligibility
  • Min Entry Age: 0
  • Maximum Entry Age: None
  • Policy Holder: Expatriate
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Highlights
  • 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
Globality Health YouGenio® World Plan Options

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

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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.

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.

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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.

Compare Globality Health YouGenio® World Sub Products

Compare Plans

Essential Classic Plus Top
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Deductibles
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Maximum Benefit

$2.6 million

$3.9 million

$6.5 million

$9.75 million

USA Elective Treatment

In-Patient

Essential

Classic

Plus

Top

Hospital Accommodation

Private

Private

Private

Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant

$130,000

$195,000

$260,000

Physiotherapy
Rehabilitation

21 days

21 days

28 days

28 days

Hospice

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

Out-Patient

Essential

Classic

Plus

Top

Out-Patient Surgery

$3,900 (following IP treatment)

Medical Practitioner Fees
Specialist Fees
Prescription Drugs
Diagnostic Tests
Diagnostic Scans
Home Nursing Care

30 days

60 days

90 days

Prosthetic Devices

$1,300

$2,600

Chiropractic

$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

15 sessions

20 sessions

Oncology
Alternative Therapies

$1,300

$3,250

$6,500

Maternity

Essential

Classic

Plus

Top

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

$6,500

$26,000

Newborn Care
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

Essential

Classic

Plus

Top

Emergency In-Patient
Emergency Out-Patient
Routine

pain relief only

Complex
Orthodontic

Well-Being

Essential

Classic

Plus

Top

Routine Health Check

$325

$650

Vaccinations

$325

Psychiatric

Essential

Classic

Plus

Top

In-Patient Treatment

20 days

40 days

Out-Patient Treatment

$1,300

$6,500

Evacuation

Essential

Classic

Plus

Top

Medical Evacuation
Medical Repatriation
Repat' of mortal remains

$3,250

$6,500

$9,750

$13,000

Compassionate visit

$1,950

$3,900

Companion expenses

Optical

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

Essential

Classic

Plus

Top

Eye tests & consultations

$195

$325

Glasses & contacts

$195

$325

Chronic Conditions

Essential

Classic

Plus

Top

Monitoring & maintenance
Stabilisation of chronic episode
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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating