Every person covered by Long-term expat health insurance needs their own policy. You can keep several policies under a single account by using the same email address when applying, and each policy appears in the policy section of your account. For dependents aged 18 or over, the sign-up order doesn't matter and standard rates apply. For a child under 18, the main policyholder must hold a Long-term expat health insurance policy first, and the child must have the same plan type and excess to receive the discounted child rate. A child under 18 can also be insured on a standalone policy, but at the standard rate rather than the child rate.
Can I add a spouse, parent, or child as a dependent to my Long-term expat health insurance policy?
Every person covered by Long-term expat health insurance needs their own separate policy, so a spouse, parent, or child can't be added onto an existing policy as an extra insured person. You can still manage several policies together: use the same email address when applying for each person, and all of the policies sit under one account. Each individual policy appears in the policy section of your account.
How do I manage several Long-term expat health insurance policies under one account?
Use the same email address for every application. All policies created with that email address are grouped under one account, and you can view each individual policy in the policy section of that account.
In what order should I sign up myself and my dependents for Long-term expat health insurance?
We recommend that the main policyholder — the person who manages the account — signs up first, before any dependents are added. The order matters in one case: a child under 18 can only receive the discounted child rate if the main policyholder already holds a Long-term expat health insurance policy. For dependents aged 18 or over, the order makes no difference to the price.
How do I add a spouse, parent, or other dependent aged 18 or over to Long-term expat health insurance?
Each person aged 18 or over takes out their own Long-term expat health insurance policy at standard rates, so the sign-up order doesn't affect the price. Follow these steps:
Complete a Long-term expat health insurance application for each person.
Use the same email address for every application so all of the policies stay under one account.
During sign-up you're asked whether you want to cover any dependents. You can add them at that point, or skip the question and add them later through your Feather account.
How do I add a child under 18 as a dependent and get the discounted child rate?
To receive the discounted child rate, the main policyholder — the parent or legal guardian — must hold a Long-term expat health insurance policy, and the child's policy must match it exactly. Follow these steps:
The main policyholder completes their own Long-term expat health insurance application first.
During that sign-up, confirm that you want to cover dependents when you're asked.
Enter the child's details when prompted.
Select the same plan type and excess for the child as the main policyholder has. If any of these differ, the child's policy is priced at the standard rate instead of the discounted child rate.
Can I insure a child under 18 if I don't have a Long-term expat health insurance policy myself?
Yes. A parent or legal guardian who doesn't hold a Long-term expat health insurance policy can still take out a standalone Long-term expat health insurance policy for a child under 18, but the child isn't eligible for the discounted child rate in that case, so the standard rate applies. Request a quote and complete the application for the child, and confirm the parent or legal guardian's details during sign-up, because an adult must be the main policyholder. Once the policy is active, the policy can be managed from the policy section of your account.