Expat health insurance covers accidents, emergencies, and new illnesses. For a covered planned treatment expected to cost more than €800, you can request a cost plan from your doctor and submit it for a coverage review before proceeding. For treatments expected to cost €800 or less, you can go ahead and submit a claim afterward, as long as the treatment meets the coverage criteria. A cost plan is typically reviewed within 2-4 weeks, and you'll be notified whether the treatment is covered.
What is a cost plan, and when should I request one under expat health insurance?
A cost plan is a document your treating doctor issues that details the expected costs of a treatment or procedure, when the condition started, and the medical necessity of the proposed treatment. You can request a cost plan before the treatment goes ahead when a covered planned treatment is expected to cost more than €800, so that coverage can be reviewed first. For treatments expected to cost €800 or less, you can generally proceed and submit a claim afterward, as long as the treatment is medically necessary, relates to a new illness, and is not connected to a preexisting condition.
How do I submit a cost plan for pre-approval with my expat health insurance?
You can submit a cost plan for pre-approval through your Feather account, so we can review the planned treatment costs under your expat health insurance before your treatment starts.
Ask your treating doctor or dentist for a cost plan for the planned treatment.
Log in to your Feather account at app.feather-insurance.com and click your expat health insurance policy.
Click the option to submit a claim or cost plan. A form opens.
Complete the form, including the date of your consultation with your doctor or dentist.
Attach the cost plan and submit the form.
How long does the cost plan review take, and what happens after it's approved?
We typically review a cost plan within 2-4 weeks, though it can take up to 6 weeks if we need additional information. After the review, you receive a notification confirming whether the treatment is covered. If the treatment is not covered, we typically provide an explanation. If the cost plan is approved, you can proceed with the treatment. You still need to pay the medical provider upfront and then submit a claim in your account, including the final bill and your payment receipt.