If you have been to psychotherapy in the past, your coverage may change
Past psychotherapy will be considered a pre-existing condition and may lead to higher premiums, coverage exclusions, or a denial of coverage. That means, your coverage may be personalized once you have applied. This works as follows: once you have applied, there are two possible outcomes:
If you can be covered without changes to the initial offer, your private health insurance plan will be activated automatically within a couple of days.
If changes are required, you’ll receive your new proposed coverage details, and the Feather Team will provide you with step-by-step instructions to activate your coverage by signing the new policy information.
If you are not satisfied with the offer, you’re able to keep your current health insurance coverage. If you’ve been denied coverage, we offer a free service to check for alternative insurance options.
It is not possible to give general guidelines on this as each case is treated individually.
Don't withhold information in the application.
We strongly advise against withholding any medical information in the application.
More often than not it turns out that information has been withheld, as insurance providers often communicate with your doctors before paying out a claim. As a result, the coverage is canceled immediately, and you’ll be without healthcare, plus switching to another provider will be extremely difficult.
You are covered under private health insurance and want to start with psychotherapy? Here's how!
1. Get a referral from your general practitioner (Hausarzt)
This is required before booking your appointment with the therapist, so your insurance provider can reimburse you.
2. Complete the initial consultation
You are covered for psychotherapy with practitioners as defined by the law for psychotherapists (PsychThG).
When you go to your therapist for the initial consultation, you will need to ask for a cost plan.
This is a document that shows the services, number of sessions, and the costs involved in a planned treatment that is to be provided by the doctor.
This document is essential in assessing your entitlement to benefits.
3. Upload your documents
Submit the referral from your GP and cost plan from your therapist:
Go to your Feather account and click on 'Claims' on the top right of the screen
Upload all documents and make sure to choose 'Cost plan' as the type of claim.
Important note:
Please be aware that the provider will likely request additional information from you and your therapist (with your consent) to eliminate the possibility of pre-existing conditions. This may take some time, but rest assured, we will guide you through the entire process.
This is the cover you can get through Feather*
Standard short-term plan: Not covered
Premium short-term plan: 25 sessions annually.
Standard long-term plan (purchased before March 2023): Up to 75% coverage for 50 sessions annually.
Standard long-term plan (purchased in March 2023 or later): Up to 70% coverage for unlimited sessions annually
Plus long-term plan: Up to 80% coverage for unlimited sessions annually
Premium long-term plan (purchased before July 2022): Up to 80% coverage for unlimited sessions annually.
Premium long-term plan (purchased in July 2022 or later): Up to 90% coverage for unlimited sessions annually.
Good to know: The trial sessions with psychotherapists, while you decide on your final therapist, are included in the mentioned sessions.
*As mentioned, the coverage may change based on the individual medical history.