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 €2,500
Claims over €2,500 or claims of any amount referring to the following benefits:
Hospital Services
Inpatient Treatment
Inpatient Psychiatric Treatment
Organ, Bone Marrow Transplants & Stem Cell Treatment
Cancer Treatment
Kidney dialysis
Evacuation & Repatriation
Maternity care
Here is what to do in each case:
Below €500 | Between €500 - €2,500 | Above €2,500 or any claim in the benefit categories above. |
Submit a claim through your Feather account with:
| Firstly, have your primary treating practitioner fill out one of these forms based on language and location:
ENGLISH (EU) GERMAN (EU) FRENCH (EU)
ENGLISH (outside EU) FRENCH (outside EU)
Then submit a claim through your Feather account with:
| Contact our third-party provider for help with any claims over €2,500 or smaller claims in the categories listed above, including pre-inpatient hospital admissions. These claims can be pre-authorised, meaning the insurer pays the medical facility directly and you don’t have to pay upfront or submit a claim.
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 relevant claim for (linked above) 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 outpatient care for policies purchased in Germany in 2025 and a €75 deductible per insured event for outpatient care for policies purchased in EU.
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.