Here’s an overview of when and how to submit claims for your Long-term Expat health insurance.
Before you start a claim, we recommend checking our coverage FAQ to know exactly what you can claim for, as this policy may differ from health insurance you’ve had before.
Using your insurance
When you sign up, you’ll receive a digital healthcare card although in most cases you won’t need it to book an appointment.
To use your insurance:
Book your appointment as a self-paying or private patient
Pay the invoice upfront
Submit your documents through your Feather account for processing and reimbursement
How to submit a claim
Claims are handled slightly differently depending on the total amount:
Claims under €500
Claims between €500 and €3,500
Claims over €3,500
Here is what to do in each case:
Below €500 | Between €500 - €3,500 | Above €3,500 |
Submit a claim through your Feather account with:
| Firstly, have your primary treating practitioner fill out this form.
Then submit a claim through your Feather account with:
| Reach out to our third party provider to receive assistance with larger claims including pre-approvals and hospital inpatient admissions.
Contact: +44 (0)1243 621130 or
Please note: You will need your policy number and treating physician’s details. |
If you are unsure of the final claim amount and suspect it may be over €500, then we recommend bringing the claim form with you to your medical appointment and have it filled out just in case. This will help ensure a faster and smoother claims process.
Deductibles
Voluntary deductible
If you picked a voluntary deductible, this will first be applied to any claims made before the insurance coverage kicks in.
E.g. If you selected a €150 voluntary deductible and then submit your first claim, which was a €500 invoice from a hospital visit, then €150 would be out of pocket and your policy would then cover the remaining €350.
This deductible is only applied once per insurance term (which is yearly), not per event/appointment.
General deductible on outpatient appointments
There is a €30 deductible per insured event for some outpatient care. This is a separate deductible to the voluntary deductible you may have chosen upon sign up.
Please note, this deductible is per medical event, not per appointment.
If you have any further questions, please don't hesitate to reach out to our team and we can assist you further.