Expat health insurance has no deductible / excess, so it meets requirements from authorities that ask for health insurance with no deductible. The only cost-sharing is a fixed €25 copay per insured event, which is different from a deductible / excess. The €25 copay is deducted from the first reimbursement for each insured event, and if the first claim is less than €25, the rest of the copay is deducted from your next claim for the same event. A separate condition or injury is a new insured event and has its own €25 copay.
Is there a copay or deductible / excess in my expat health insurance policy?
Expat health insurance has no deductible / excess. The only cost-sharing in your expat health insurance policy is a fixed copay of €25 per insured event, which is deducted from your reimbursement. A copay is different from a deductible / excess. A deductible / excess is an amount of costs you need to cover yourself before your insurance starts paying, while the €25 copay is a fixed contribution to each insured event that your expat health insurance covers. The €25 copay applies once per medical condition or event, not once per invoice or appointment.
Does expat health insurance meet the no-deductible requirement for my visa?
Expat health insurance meets the requirement when a visa office or other authority asks for health insurance with no deductible / excess. Expat health insurance has no deductible / excess, and the €25 copay per insured event is not a deductible / excess. The €25 copay does not affect whether your expat health insurance meets a no-deductible requirement.
Do I pay the €25 copay for every doctor’s appointment or claim under expat health insurance?
The €25 expat health copay is not deducted for every appointment or claim. All appointments, treatments, and claims for the same medical condition count as a single insured event, so the €25 copay is deducted only once for that condition. A new €25 copay is deducted only when you have a separate, unrelated condition or injury.
How is the €25 copay paid for expat health insurance?
The €25 expat health copay is deducted from your reimbursement, so you don’t need to make a separate payment. When your first claim for an insured event is reimbursed, you receive €25 less than the eligible costs on that claim. Once the full €25 has been deducted, all later claims for the same insured event are reimbursed without a copay. The €25 stays with the insurance company that underwrites your expat health insurance policy, and your doctor, hospital, or Feather does not receive any part of it.
What happens if my first expat health insurance claim is less than €25?
If the first claim for an insured event under expat health insurance is less than €25, you don’t receive a payout for that claim. The rest of the €25 copay is deducted from your next claim for the same insured event. For example, if your first claim is €15, you receive no payout, and the remaining €10 is deducted from your next claim for that event. If you don’t submit any further claims for the same insured event, nothing more is deducted.
Can you give an example of how the expat health copay works?
The €25 expat health copay applies once per insured event, as this example shows:
Marie has pneumonia, visits her doctor several times for treatment, and submits a claim after each visit. €25 is deducted from the reimbursement for her first claim, and her later pneumonia claims are reimbursed without a copay.
Marie later breaks her arm. The broken arm is a new, separate insured event, so €25 is deducted from the reimbursement for her first claim for that injury.