The documents required for an expat health insurance claim depend on the type of treatment. Outpatient visits require itemized invoices with diagnostic information, while hospital stays require the final invoice issued after treatment. Medications require both a prescription and a pharmacy receipt, and aids or physical therapy require a doctor's referral. Claims made within the first 31 days of your policy require additional documents to verify waiting period waiver eligibility.
What documents are required for an outpatient appointment claim?
To submit an outpatient appointment claim for your Expat health insurance, you need to send us a medical report with the diagnosis and proof of payment. Some doctors include both in a single document, and we accept that as long as all the required information is there.
Medical report / diagnosis and treatment plan
The medical report must include the following information:
The name and address of the attending physician.
The name of the treated person.
The name of the medical condition.
The period of treatment.
The nature of the medical service provided.
Final invoice / proof of payment
The proof of payment is an invoice or receipt that shows what you paid for the outpatient appointment. The invoice must list each service with the cost of each service in euros.
You don’t need a referral for an outpatient appointment claim, whether you saw a general practitioner or a specialist.
What documents are required to submit a claim for a hospital visit or inpatient stay?
To submit a claim for a hospital visit or an inpatient hospital stay under your Expat health insurance, you need to send us the final costs of your treatment and the medical details of your stay. The hospital may provide this information in one detailed document or across several documents, such as a final invoice and a discharge report. What matters is that all the information listed below is included.
Medical report / diagnosis and treatment plan
The medical information, usually found in the discharge report, must include the following details:
The name and address of the attending physician.
The name of the treated person.
The name of the medical condition.
The period of treatment.
The nature of the medical service provided.
Final invoice / proof of payment
The cost information must come from the final invoice, which the hospital issues after your treatment is complete. The final invoice must show the full breakdown of all treatments and their costs. It must have been paid.
Prepayment receipts and partial payments
The hospital may ask for a prepayment on the day you’re admitted and give you a receipt. A prepayment receipt is only a cost estimate, so the final amount on the invoice may differ. If your prepayment is higher than the final amount, the hospital owes you a refund of the difference. We don’t accept the following documents as substitutes for the final invoice:
A prepayment receipt collected on the day you’re admitted.
A partial payment that doesn’t reflect the total final cost.
What documents are required for a medication claim?
You must submit both of the following:
The prescription issued by your doctor
The payment receipt from the pharmacy
A standalone receipt without a prescription, or a prescription without a receipt, cannot be accepted.
What documents are required for aids or physical therapy claims?
You must submit the following:
A referral from a medical doctor
The relevant invoice for the aids or physical therapy received
A referral is not required for general specialist visits — only for claims related to aids or physical therapy.
What additional documents are needed for claims made within the first 31 days of my policy?
If you submit a claim within the first 31 days of your policy, you must attach supporting documents so we can verify whether you qualify for a waiting period waiver:
If your waiver is based on arriving in your new country within 31 days of your policy start date, attach a transportation receipt (such as a flight or train ticket) showing your name and arrival date.
If your waiver is based on continuous prior coverage, attach proof of your previous insurance showing your name and the dates of coverage, with no gap before your new policy started.
Which documents are not accepted for expat health insurance claims?
The following documents cannot be used to process any expat health insurance claim:
Invoices that lack diagnostic information or an itemized cost breakdown
Prepayment receipts or partial payments
Cost estimates
Payment reminders
Standalone payment receipts without an accompanying invoice or prescription
Invoices from non-medical practitioners, such as acupuncturists
How do I add documents to an existing claim?
You can add documents to an existing claim within 7 days of the initial submission. To do so:
Log into your Feather account.
Open your expat health insurance policy.
Go to your claims section.
Select the claim you want to update.
Upload the requested documents and confirm the submission.
If the 7-day window has passed, submit the additional documents as a new claim. We'll link the new claim to your original submission to keep all related information connected. You can contact our support team for more assistance or additional resources.