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Submit an expat health insurance claim from your account by selecting your policy, uploading documents, and giving a valid European IBAN. Includes processing time, reimbursement, and claims after canceling.

How do I submit an expat health insurance claim?

Learn which documents are required for each type of expat health insurance claim, including outpatient visits, hospital stays, medications, physical therapy, and the 31-day waiting period waiver.

What documents do I need to submit an expat health insurance claim?

Expat health insurance claims usually process within 2–6 weeks. Learn the common causes of delays, what to do when asked for extra documents, how you'll be updated, and when to…

Why is my expat health insurance claim taking longer than usual to process?

Partial reimbursements on expat health insurance claims come from a €25 copay per insured event and the severity factor (Steigerungsfaktor), which caps reimbursement at 2.3 times the GOZ and GOÄ…

Why is my expat health insurance claim reimbursement only partial?

This article explains what a €25 copay is in expat health insurance, how it applies per insured event rather than per claim or appointment, and clarifies who receives the copay…

Why do I have to pay a €25 copay for my expat health insurance claim?

How pre-approval works under expat health insurance: when a planned treatment needs a cost plan, how to submit one for a coverage review, how long the review takes, and what…

Pre-approval and cost plans for treatment under expat health insurance

Learn what expat health insurance covers during emergency hospitalization, how to handle payment requests at the hospital, and how to submit a claim once your stay is complete.

What to do if you're hospitalized in an emergency

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