We accept credit cards, debit cards, PayPal, and SEPA bank transfers, and all payments are charged monthly in euros. Your first payment is taken at signup and covers the rest of that month, after which you're billed on the 1st of each month until you cancel. If a payment fails, you'll get a notification and can retry it from your account. You can cancel at any time, with full refunds available before your start date or within 14 days of purchase.
What payment methods can I use for expat health insurance?
We accept several payment methods for expat health insurance:
Credit or debit cards from major providers, including Visa and Mastercard.
PayPal, which lets you pay without sharing your card details.
International bank transfers using any IBAN that supports SEPA payments, including some accounts based outside the EU.
Can I change my payment method or the date I'm billed?
You can update or switch your payment method at any time before your next billing date by signing in to your account and selecting a new default method. This helps you avoid failed payments. The billing date can't be changed, though — recurring payments are fixed to the 1st of the month and can't be adjusted.
What currency are my payments charged in?
We process all charges in euros (EUR). If your payment method uses a different currency, your bank may apply foreign exchange fees or a conversion rate that the bank sets.
When am I first charged, and how does ongoing billing work?
Your first payment is taken on the day you sign up, and it covers either a full or partial first month of coverage. After that, we bill you on the 1st of each month for that month's coverage, and this continues until you cancel.
For example, if your policy starts on 15 July, your first payment covers 15–31 July, and your next payment is taken on 1 August. If your policy starts on the 1st of the month, you're charged the full monthly amount.
What happens if a payment fails, and how do I retry it?
If a payment fails, you'll receive an email notification and see a billing error in your account. You can retry the payment at any time from your account once you've resolved the issue. Common fixes include:
Adding funds to your bank account.
Removing a restriction with your card provider.
Updating your payment details or trying another payment method.
What refund options are available if I cancel?
Your refund depends on when you cancel:
If you cancel before your policy start date, you receive a full refund because no coverage has begun.
If you cancel within 14 days of purchase and haven't made any claims, you receive a full refund even if the policy has already started.
If you cancel more than 14 days after purchase, you don't receive a refund, but your policy stays active until the end of the paid month.
Refunds take 3–7 business days to appear, depending on your bank.