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Expat health insurance lets you switch between the Basic Cover and Premium Cover plans in either direction. When you upgrade from Basic Cover to Premium Cover, conditions that began during Basic Cover stay covered, but Premium Cover-specific treatments planned before the upgrade are not. When you downgrade from Premium Cover to Basic Cover, conditions from Premium Cover are not carried over. You switch plans from your Feather account under your expat health insurance policy.

Can I switch between the Basic Cover and Premium Cover plans on expat health insurance?

Yes. On expat health insurance you can upgrade from the Basic Cover plan to the Premium Cover plan, or downgrade from the Premium Cover plan to the Basic Cover plan. How your existing medical conditions are treated depends on the direction of the switch.

What happens to my existing medical conditions when I upgrade from Basic Cover to Premium Cover?

When you upgrade from the Basic Cover plan to the Premium Cover plan on expat health insurance, any medical illness or injury that began during your Basic Cover plan remains covered under the Premium Cover plan. However, treatments that are specific to the Premium Cover plan and were planned before the upgrade — meaning they did not exist under your Basic Cover plan — are not covered.

What happens to my medical conditions when I downgrade from Premium Cover to Basic Cover?

When you downgrade from the Premium Cover plan to the Basic Cover plan on expat health insurance, existing medical conditions from your Premium Cover plan are not carried over and are not covered under the Basic Cover plan.

How do I switch between the Basic Cover and Premium Cover plans?

To switch plans on expat health insurance:

Log in to your <a href="https://app.feather-insurance.com/account/signin/question/email" rel="nofollow noopener noreferrer" target="_blank">Feather account</a>.

Open your expat health insurance policy and select 'Adjust policy'.

Follow the flow and select 'Change my plan'.

1. Log in to your <a href="https://app.feather-insurance.com/account/signin/question/email" rel="nofollow noopener noreferrer" target="_blank">Feather account</a>.
2. Open your expat health insurance policy and select 'Adjust policy'.
3. Follow the flow and select 'Change my plan'.

You can switch between the Basic Cover and Premium Cover plans on expat health insurance in either direction. How pre-existing conditions carry over depends on whether you upgrade or downgrade.

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