Expat health insurance covers accidents, emergencies, and new illnesses. If a covered planned treatment costs more than €800, you can request a cost plan from your doctor and submit it through your account for a coverage review before proceeding. For treatments below that threshold, you can generally proceed and submit a claim afterward if the treatment meets coverage criteria.
What is a cost plan and when do I need one?
A cost plan is a document issued by your treating doctor that details the expected costs of a treatment or procedure, including when the condition started and the medical necessity of the proposed treatment. We recommend requesting a cost plan only when the expected treatment cost exceeds €800.
For treatments below that amount, you can proceed and submit a standard 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?
First, you would need to request the cost plan document directly from your doctor.
To submit that cost plan, log in to your account, select your expat health insurance policy, choose "submit a claim or cost plan," and complete the form with the cost plan attached.
How long does the cost plan review take and what happens after?
A cost plan is typically reviewed within 2 weeks, but may take up to 4 weeks if additional information is needed. After the review, you will receive a notification confirming whether the treatment is covered:
If the treatment is not covered, an explanation is typically provided.
If the cost plan approval confirms coverage, you can proceed with the treatment knowing that your expat health insurance will help cover the costs. You will still need to pay the medical provider upfront, and then submit a claim in your account including the final bill and your payment receipt.