1. How do I get started?
Your coverage is activated
Once your policy is confirmed, you’ll find all key documents in your Feather account, such as the Confirmation of Coverage and tax information, uploaded automatically during tax season.
Digital insurance card
You can access your digital health insurance card through your account and present it during medical appointments. A physical card is not required.
2. How are payments for private health insurance handled?
Automatic payments by direct debit
Your monthly price is deducted from your bank account on the 1st working day of each month. Payments begin once your coverage is active. If you’re employed, your employer reimburses their share through your monthly payroll.
Manual payments available
Prefer to pay by bank transfer? You can skip the direct debit setup during your application and pay manually each month. Just keep in mind: choosing manual payments means you won’t be eligible for cashback bonuses.
Cashbacks and bonuses
Long-term plans offer monthly cashback and no-claim bonuses. If you don’t submit claims for a full calendar year, you receive an extra bonus.
Tip: Invoices are valid for 2 years. Consider collecting them and submitting only if your bills exceed €1,200 in a year to stay eligible for no-claim bonuses.
3. How should I use my coverage?
Check your benefits
Review your coverage details in your Feather account to see what’s included in your plan.
Submit and track claims
Upload your medical bills directly through your account. Most claims are processed within 1–4 weeks. The status of your bill then changes to "closed". You'll then find a document explaining the reimbursement.
Preventive care
Use annual checkups and dental cleanings covered by your plan. Note: if a bill includes both preventive and non-preventive services, submitting it may affect your cashback.
Get documents anytime
Need paperwork for unemployment benefits, parental allowance, or your taxes?
Simply log in to your Feather account and download what you need — or request additional documents directly through your account if you don’t see them listed.
4. How can I change my private health insurance plan?
Upgrade or downgrade anytime
Request changes to your policy through the "Manage this policy" button in your Feather account. With just a few clicks, you’ll get a new quote.
Short-term plans: Upgrade without health questions when you get permanent residency or after 5 years of your policy starting.
Long-term plans: Upgrade without health questions after 2, 5, or 7 years. At other times, you might need to answer health questions, which could affect your price.
Add family members
Get a quote and add your spouse or children easily. Some plans let you cover newborns for free for a limited time.
Canceling
You can cancel your policy through your policy page in your Feather account.
5. What other tips help me get more value from my policy?
Find trusted doctors
Use online directories and filter by private insurance to find high-quality care with shorter wait times.
Referral bonuses
Join referral campaigns where you can earn up to €700 in bonuses for recommending our services to others. Sign up for our newsletter to stay up to date on new offers.
Support at every step
Our English-speaking support team is here for you — whether you need help with claims, changing plans, or understanding your coverage.