Private health insurance offers a range of benefits, but knowing how to use your policy effectively can maximize its value. Here are some tips to help you make the most of your coverage:
1. Take advantage of cashback and no-claim bonuses
Private health insurance long-term plans reward policyholders for maintaining their health and minimizing claims. These benefits come in the form of:
Monthly cashback: a guaranteed bonus is transferred to your bank account monthly as long as your policy remains active and your payments are made on time. You can use it for medical bills and keep any excess.
No-claim bonus: If you don’t submit any claims for a full calendar year, you get another bonus.
Tip: Invoices are valid for 2 years from the date they are generated. You may consider collecting them first before submitting them for reimbursement. If your total medical bills exceed €1,200, be sure to send them reimbursement. By delaying the initial submission, you can ensure eligibility for the no-claim bonus at the end of the year. Learn more about the bonuses here.
2. Use preventive care treatments
Private health insurance often covers preventive treatments like annual check-ups and dental cleanings. To understand your specific coverage and any limitations, review your policy details on your Feather account's policy page or find more information here.
Tip: Doctors may bill both preventive and non-preventive services during the same appointment. If your plan includes cashback bonuses, submitting these claims would affect these benefits. If you've already had a preventive checkup or simply want to learn how to check your invoice, learn more here.
3. Familiarize yourself with your coverage
Accessing the "Full Coverage Table" through the policy page in your Feather account provides a comprehensive view of your insurance coverage. This feature allows you to understand your coverage fully and offers helpful tips to maximize your benefits.
4. Stay updated with referral campaigns
We offer referral programs where you can earn bonuses for recommending our services to others. For instance, you could earn up to €700 by participating in referral campaigns.
How to stay in the loop:
Subscribe to our newsletter to stay informed about ongoing campaigns.
Share these opportunities with friends or colleagues who might benefit from private health insurance.
5. Cover newborns for free
Some private health insurance plans allow you to include newborns, at no extra cost for a certain period after their birth. This provides an easy way to secure their coverage without adding financial strain to your family. Check out the eligibility criteria for adding newborns.
6. Find trusted doctors
Having access to high-quality medical care is a key benefit of private health insurance. To find the best healthcare providers:
Use online directories and review platforms to identify highly rated doctors and specialists such as this.
Look for recommendations specific to private insurance patients, as these doctors often offer shorter wait times and enhanced services.
By following these strategies, you can maximize the value of your private health insurance and enjoy the full range of benefits it offers. If you have any questions or need assistance, our support team is always here to help.