Expat health insurance covers emergency hospitalization for new medical conditions, including medically necessary overnight stays. Ambulance transport is covered only when the journey results in an inpatient admission. If you are at a hospital or emergency room and are facing a large bill or a request for a guarantee of payment, you should call the emergency line. Once your stay is complete and you have your final invoice, you can submit a claim through your account.
Does expat health insurance cover emergency hospitalization?
Expat health insurance in Germany covers emergency hospitalization for new medical conditions. This includes any necessary overnight stays in a hospital due to an emergency.
Is ambulance transport covered under expat health insurance?
Ambulance transport costs are covered when the journey results in an inpatient hospital admission. If you are treated and discharged at the scene or in the emergency room without being admitted as an inpatient, ambulance transport costs are not covered.
What can I do if the hospital is asking me to pay or requesting a guarantee of payment?
If you are currently at a hospital or emergency room and are facing a large bill or a request for a guarantee of payment, you should call the emergency line as soon as possible so your options can be assessed in real time. Give them your personal details and the name and location of the hospital. In some cases, direct payment to the hospital or an alternative solution may be arranged. This isn't guaranteed, but it's always worth asking.
For general claims queries, use the claims line instead.
Advigon contact details (Advigon is our insurance provider):
Emergency line (for active hospital stays): +49 621 5490–1906
Claims line (for all other claims questions): +49 40 5555–4055
Once the emergency is over, how do I claim?
Once you've received your final hospital invoice, you can submit your claim through your Feather account. Find out exactly what to upload and how in our guide to claiming for hospital visits.