Yes, you’re eligible for expat health insurance if you’ve recently moved to Germany and need your first health insurance plan, if you’re unemployed or self-employed, or if you need quick, affordable coverage to obtain your visa or temporary residence permit, with the entire process available in English. However, it’s important to note that this insurance is not a long-term solution, as it has a maximum term limit of five years.

Expat health insurance is a great choice for freelancers or the self-employed, offering coverage for emergencies, accidents, and any illnesses you may experience.If you’ve been insured in the EU or the UK within the last three months, you have to get on public insurance after moving to Germany. You should check out our recommendation tool to go through the other options before signing up for expat insurance.
Freelancers and those who are self-employed are considered to be „voluntarily insured,” or freiwillig versichert, which means public health insurance companies are not obligated to insure them.

Yes, this policy satisfies the legal requirements for obtaining your first visa or residence permit in Germany and serves as valid proof of health insurance.However, it may not meet the requirements to renew your visa or residence permit.
If you need help getting health insurance to renew your visa or residence permit, reach out to us. We can talk you through your options after having expat insurance.

Right away. Your policy documents will be available in your Feather account as soon as you complete the sign-up process.You can use these documents as proof of health insurance for your visa or residence permit application.

Expat health insurance can only last for a maximum of five years, starting from the day you first arrive in Germany.For example, if you moved to Germany on the 1st of January 2020 but signed up for Expat Insurance on the 2nd of June 2021, you can only remain on the policy until the 1st of January 2025.

If your policy becomes active within 14 days of purchase, you have 14 days from the purchase date to cancel and get a full refund, provided no claims were made. If your policy starts more than 14 days after purchase, you can cancel at any time before it becomes active and still receive a full refund. After the policy is active, you can cancel at any time, but you won’t be charged for the next billing cycle.

Yes, there’s usually a standard 31-day waiting period before you can start using the insurance. However, in some cases, this waiting period can be waived.

Yes, you’ll need to pay upfront. We recommend settling the bill with the doctor or clinic promptly to avoid late fees. Afterward, upload photos of all invoices, receipts, and relevant documents to your Feather account to get reimbursed. The reimbursement will be sent to you, not the doctor.

Yes, you can add dependents to your plan. Each dependent will need their own separate policy, but we can group them all under one account for easy management.

To add a dependent:
1. First, sign up for expat insurance for yourself or the main policyholder.
2. After signing up, log into your Feather account and select your expat policy.
3. Click „add dependents“ and choose the policy type (basic or premium) for each dependent. You don’t have to choose the same policy for everyone.
4. For dependents under 18, the basic policy costs 72 euros, and the premium plan is available at a reduced rate of 96 euros per month.

Yes, expat insurance covers certain dental treatments for new conditions that require pain relief, such as simple fillings and cleanings. The Basic plan covers up to €500 per year, while the Premium plan covers up to €1,000 per year. However, additional dental treatments, including cosmetic procedures like teeth cleaning or whitening, are not covered.

Yes! When you upgrade from a basic to a premium expat insurance plan, your policies will be linked, and medical events covered under your basic policy will also be included in your premium policy. If you switch from a premium to a basic plan, the policies won’t be linked, so any medical events from the premium policy won’t be covered under the basic policy.