What is a copay?
A copay (also know as a deductible) is the amount you must pay out of pocket per insured event.
To clarify, this is per event, not per claim. There can be several claims made for a single insured event.
So if you have 10 appointments for the same medical issue, you would be charged the 25 euro copay once.
But if you then claim for a different medical issue, then a new 25 euro copay for that event would be deducted.
For more information, see the example below.
Example:
Kevin has pneumonia and goes to the doctor. He gets the bill, submits the receipt online and pays a €25 copay. Because his doctor wants to see him again shortly after, he already has another appointment scheduled.
Because Kevin's pneumonia is only one insured event as it is the same sickness, he does not have to pay a copay for the second appointment. If Kevin were still sick for the third or even fourth appointment, this would still be considered the same insured event, so he would not need to pay a copay for his pneumonia-related appointments.
If, however, Kevin had to see a doctor because he broke his arm between his pneumonia appointments, this would be considered a different insured event, and he would need to pay another copay for his doctor’s appointment for the broken arm, but not for the next pneumonia appointment.
How does my expat health insurance copay work?
Let’s use Kevin again from the example above.
Kevin decides that he wants to learn how to cook, but accidentally cuts himself when trying to get the seed out of an avocado. He goes to the hospital to get stitches and submits his claim for €300 for the insured event (his cut hand).
When he gets the direct deposit back, he’ll expect to get €275 back. He eventually goes back to get the stitches removed and is charged €150. He’ll get €150 back because he already paid the copay for the insured event when he got the stitches.
Who receives the copay?
This copay is submitted directly to the insurer. Feather does not receive any portion of your copay.
If you would like to learn more about expat health insurance or would like to sign up, you can do so here.