How to use your coverage
No waiting periods
Pay the bill out of pocket to avoid reminder fees
Hospital treatments can be settled directly. Simply ask the hospital to charge the provider directly.
If you expect a bill of more than €2000, send the name and address of the doctor to our team. We'll check if the bill can be settled directly.
Upload your medical bills in your Feather account
Open your private health policy, and submit pictures of all pages of your bill.
You're reimbursed within 2-4 weeks, or through the bonus system.
If you have been waiting for longer, please let our team know. We'll follow up with the provider until you get the coverage you deserve.
Make the most of your coverage
Use cost plans
You can submit a cost plan before undergoing expensive treatment. This is a document issued by your doctor with the expected cost of treatment.
Simply submit it through your account like any other medical bill and choose "cost plan" as the claim type. It is processed within 3-4 weeks. You'll then find the reply right under the document you've submitted. If further information is needed, you'll automatically hear back.
Get a referral before visiting a specialist
You may only get up to 75% reimbursed otherwise. Here is why: Many German GPs have multiple qualifications and can treat you at a less expensive cost. If you visit the specialist right away, it is likely more expensive than necessary.
Know what isn't covered
Even if prescribed by your doctor, you will not be reimbursed for:
Vitamins and supplements
Hair growth products
Contraceptives (unless you have endometriosis)
Skincare, shampoos, etc
Cosmetic procedures