How your Private health insurance (PKV) policy works between us, as the intermediary, and Hallesche as your risk carrier: who decides claims, where to submit them, what we still handle for you, and where to get help.
Who handles what in my Private health insurance (PKV) policy?
Two parties are involved in your Private health insurance (PKV) policy. We act as your insurance intermediary, which means we help you find a plan and manage your policy over time. Hallesche is the risk carrier, which means Hallesche holds your contract, processes your claims, and makes all reimbursement decisions.
What does Feather do for my Private health insurance policy?
As the intermediary, we handle everything around your policy. This includes:
plan changes such as upgrades, downgrades, and switching providers
adding family members to your policy
documents you need for situations such as unemployment benefits or parental allowance
life changes such as a new job, a change in your family, or leaving Germany
anything about your coverage you're unsure about
Our support team works entirely in English.
Who is the risk carrier for my Private health insurance, and what do they decide?
Hallesche is the risk carrier for our Private health insurance (PKV) plans. Hallesche assumes the financial responsibility for your medical costs, reviews each claim you submit, and makes the final decision on what is reimbursed and at what amount.
How do I submit a Private health insurance claim, and how is it processed?
Claims go directly to Hallesche, not through us. You submit them in the Hallesche4u app — see how to submit your private health insurance claims for the steps.
Hallesche then sends the outcome directly to you, either in the app or by post to your home address, depending on what you've selected. This applies to any claim decision, including claims you submitted through us before the switch. If you'd like us to look into a claim or raise a dispute, share the details with us, and we'll take it from there.
What can you help me with if I have a question or a problem with a claim?
Hallesche makes the claim decision, but we stay involved after that. We can help with:
questions or clarifications about a claim or a reimbursement
a dispute when you disagree with a reimbursement decision
advocating on your behalf when a medical bill has been paid incorrectly
You can contact our support team for more assistance or additional resources.
Who collects my Private health insurance premiums and sends payment reminders?
Hallesche collects your monthly premiums and sends any payment reminders directly to you. If you receive a reminder and aren't sure why, or you need to change your payment details, let us know, and we can look into it with Hallesche.