Expat health insurance covers accidents, emergencies, and new illnesses, and requires you to pay upfront and then submit a claim for reimbursement. A full breakdown of coverage can be found in our coverage FAQ. You can file a claim or cost estimate directly through your account by uploading the relevant documents, your total amount, and your European IBAN. Claims are typically processed within 6 weeks, and approved reimbursements are sent directly to the bank account you provide.
Do I need to show a healthcare card at appointments?
Expat health insurance provides a digital healthcare card, but presenting one is not required at appointments. You pay as a private patient, either upfront or through a payment plan for larger bills.
You can find more information about this in our dedicated FAQ about how to use your insurance.
Is there a deductible or copay for expat health insurance claims?
There is no deductible and no copay for expat health insurance claims in Spain. We reimburse the eligible costs of your treatment directly to the IBAN you provide when submitting your claim.
What documents do I need to submit for my claim?
The documents required depend on the type of claim:
Outpatient appointments: Submit an invoice that includes your diagnosis and an itemized breakdown of all services and costs.
Medication: Attach both the prescription from your treating doctor and the pharmacy receipt showing payment.
Referrals: A referral is not required for consultations with general practitioners or specialists, but a medical doctor's referral is required for claims related to aids and physical therapy.
Hospital visits and inpatient stays: Submit the final invoice issued after your visit. Initial payments and pre-payment receipts are not accepted, as they do not reflect the final cost of treatment.
Which documents are not accepted for claims?
The following documents cannot be accepted:
Invoices without diagnostic information or an itemized breakdown of costs (for example, a flat fee with no treatment detail)
Pre-payment receipts issued before treatment
Payment reminders
Payment receipts submitted without an accompanying invoice or prescription
Invoices from non-medical practitioners, such as acupuncturists
When should I submit a cost estimate before treatment?
We recommend submitting a cost estimate before proceeding with treatment in 2 situations:
The proposed treatment costs more than €800.
You want to confirm how much your policy will cover before committing.
Cost estimate reviews take the same amount of time as standard claim reviews. If the treatment is medically necessary, relates to a new illness, and is not connected to a known pre-existing condition, you may proceed with treatment and submit the claim afterward.
How do I submit a claim or cost estimate?
To submit a claim or cost estimate, follow these steps:
Sign in to your account.
Open your expat health insurance policy.
Select the option to make a claim.
Complete the form, including the total amount and your European IBAN.
Upload all relevant supporting documents and submit.
What if I receive additional documents for a claim I already submitted?
If you receive new documents for a treatment you have already claimed (for example, a final invoice that arrived after submission), you can add them to an existing expat health insurance claim within 7 days after the initial submission. To do so, log into your Feather account, select the claim, and upload the new documents. If you miss the 7-day window, you can upload your new documents in the form of a new claim which automatically link to the original claim.
How long does a claim take to process, and what if there are delays?
Claims are typically processed within 6 weeks of receiving all required documentation, and you will receive the outcome via email. If your claim is taking longer than expected, this is usually due to incomplete documentation or a coverage verification check. You can find more detail on common causes of delays and what documents may be requested in our dedicated FAQ.
What IBAN do I need to provide, and how is the reimbursement paid?
You must provide a European IBAN when submitting your claim. If a reimbursement is approved, the amount is sent directly to the IBAN you provided.
If you do not have a European IBAN, you may use the IBAN of a trusted friend or family member.
Any other questions?
Feel free to contact us on our support page, and our team will help assist you further.