A copay is a fixed amount that the insured must pay out of pocket per insured event under expat health insurance. The €25 copay applies once for all claims related to the same medical condition or event, even if multiple appointments or claims occur. A new €25 copay is required for a separate, different insured event. The copay is paid directly to the insurer, not the healthcare provider or insurance intermediary.
What is a copay in expat health insurance?
A copay is the fixed amount you must pay out of pocket for each insured event covered by your expat health insurance plan. It is also called a deductible.
How does the copay apply if I have multiple appointments or claims?
The €25 copay applies once per insured event, not per individual claim or appointment. Multiple claims or appointments related to the same medical issue count as a single insured event. Therefore, you pay the €25 copay only once for that event.
Can you give an example of how the copay works?
Kevin has pneumonia and visits the doctor multiple times for this illness. Despite multiple appointments and claims, Kevin pays only one €25 copay for the entire insured event of pneumonia. If Kevin later breaks his arm, which is a separate insured event, he must pay a new €25 copay for that injury.
Who receives the €25 copay payment?
The €25 copay amount is paid directly to the insurer. The insurer uses the copay to cover the portion of costs not reimbursed under your plan. Feather does not receive any portion of your copay.