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. Submit the referral to your Feather account
... along with the name, address, and type of therapy. The provider will then check to validate that the therapist’s credentials meet German-approved therapy standards. This may take a couple of weeks. If your therapist is located outside of Germany, also submit a cost plan.
The provider may request more information from you or your (former) doctors, especially if the claim is made soon after you're covered. If this happens, our team will guide you through each step of the 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.