Expat health insurance claims can be submitted for accidents, emergencies, and new illnesses but not for pre-existing conditions or routine care. Claims require invoices with detailed diagnostics and cost breakdowns, along with prescriptions for medications and referrals for physical therapy. A €25 copay applies per medical event. Claims are typically processed within two to four weeks, and reimbursements are sent to the provided bank account. Additional documents can be submitted to support claims if needed.

Expat health insurance does not provide a healthcare card, and presenting one is not required. Policyholders pay medical bills upfront as private patients or may arrange payment plans directly with providers for high costs.

Expat health insurance covers accidents, emergencies, and new illnesses. The insurance does not cover pre-existing conditions, routine check-ups, or preventive care appointments. You can read an overview of the coverage breakdown for both the basic and premium expat policies in our coverage FAQ.

There is a €25 copay applied per medical event, not per individual appointment within that event. You can read more about this in our copay FAQ.

Claims for outpatient appointments must include invoices with diagnostic information and an itemized breakdown of all service costs. Prescriptions and payment receipts are required for medication claims. Referrals are not mandatory for consulting medical doctors or specialists but are required for claims related to aids or physical therapy. The breakdown of each service and cost should look something like the images below:

Please note: expat health insurance covers up to 2.3 times the base rate of a treatment. You can learn more about this in our partial reimbursements FAQ.

For hospital visits, including inpatient stays, the final invoice received after treatment is required. Prepayments or initial payments are not accepted if they do not reflect the total final cost. You can read more about this in our hospital FAQ.

Claims cannot be processed with documents that lack diagnostic details or itemized costs, prepayment receipts, payment reminders alone, standalone payment receipts without accompanying invoices or prescriptions, or invoices from non-medical practitioners such as acupuncturists.

Additional documents related to a treatment can be submitted up to 7 days after the initial claim submission or as a new claim after this time has passed. The insurance provider will compare new documents against previous claims to avoid duplicate reimbursements.

Claims can be submitted online through your Feather account portal by providing the policy information, total claim amount, bank IBAN for reimbursement, and uploading all required documents.

If the initial claim documents are insufficient, the insurer may request additional documentation. Requested documents can be added to the existing claim through the account portal to continue the processing. You can read further on this topic in our missing claims information FAQ.

Claims are normally processed within two weeks if all required documents are provided. Processing can extend up to four weeks if further information is needed.

Reimbursements are paid directly to the bank account identified by the IBAN provided in the claim submission.

Policyholders can contact customer support via our support page.

Additional information and policy application options are available here.