Expat health insurance policyholders can use the video doctor service for virtual consultations with general practitioners and specialists, with no €25 copay. The Basic Cover plan includes one free consultation per year and the Premium Cover plan includes two. Appointments are booked through MD Medicus, and consultations are covered for new medical conditions once the 31-day waiting period has passed. Policyholders pay the invoice in full and then submit it for reimbursement according to their coverage.
How can I use the video doctor service with expat health insurance?
Expat health insurance policyholders can use the video doctor service to have virtual consultations with general practitioners and specialists. Consultations booked through this service do not carry the standard €25 copay. The service is provided through MD Medicus and is intended for new medical conditions rather than routine care.
How many video doctor consultations are included in my expat health plan?
The number of included consultations depends on your expat health insurance plan:
The Basic Cover plan includes one free video doctor consultation per year.
The Premium Cover plan includes two free video doctor consultations per year.
How do I book a video doctor appointment with expat health insurance?
To book a video doctor appointment, follow these steps:
Open the MD Medicus booking page at https://advigon.md-medicus.de/en/.
Complete the questionnaire with your expat health insurance policy number, a description of your medical issue, your preferred language, your email address, and your preferred date and time.
Wait for the confirmation email from MD Medicus, which contains your appointment link and details.
What happens after a video doctor consultation and how am I reimbursed?
After your consultation, MD Medicus sends you an online invoice. You must pay this invoice in full before you can submit it for reimbursement. To submit your claim, log in to your account and upload a copy of the paid invoice through the claims portal. Your consultation costs are then reimbursed according to your expat health insurance coverage.
Who is eligible to use the video doctor service under expat health insurance?
Eligibility for the video doctor service depends on these conditions:
The medical condition must be new and must have started after your expat health insurance coverage began.
Pre-existing conditions and routine checkups are not covered.
You must be past the 31-day waiting period that begins when your policy starts.