When navigating through health insurance policies, you may have encountered coverage points relating to routine check ups and what this exactly means might not always be very clear, so let's clarify this for you!
What is a routine check up?
A routine check up pertains specifically to preventative care, this means a medical appointment that is undertaken for purely preventative measures and no issues/symptoms are present.
For example: If you go for a yearly dental check up where you don't have any symptoms but are going to get assessed by your dentist as a preventative care measure, this would be considered a routine check up.
What isn't a routine check up?
If you are visiting a medical professional for a specific issue or symptom then this would not be considered a routine check up.
For example: If you developed a pain in your elbow and you wanted to go to a doctor to assess the pain, this would be not be considered a routine check up as there is a presenting complaint that you are visiting the doctor for.
Are routine check ups covered in my health insurance plan?
At Feather, we offer various health insurance policies with varying levels of coverage - below we provide an overview of what our expat health policies cover:
Expat health insurance - Basic plan
No routine check ups are included
Expat health insurance - Premium plan
Dental check ups - 200 euros per year (after 6 month waiting period)
Pregnancy check ups (after 6 month waiting period)
Skin cancer check up (after 6 month waiting period)
Cancer screening - 300 euros per year (after 6 month waiting period)
Long-Term Expat health insurance - Basic plan
Medical routine check up - 450 euros per year (after 12 month waiting period)
Dental check up - 750 euros per year (after 6 month waiting period)
Long-Term Expat health insurance - Premium plan
Medical routine check up - 750 euros per year (after 12 month waiting period)
Dental check up - 1,125 euros per year (after 6 month waiting period)
What if something is discovered during a routine check up?
Routine check ups and the consequences of any findings discovered during that check up are linked, so if your policy includes routine check up care, then both will be covered within the coverage allowance. However, if your policy does not include routine check up care, then neither the check up nor findings would be covered.