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Everything you need to know about expat health claims

Why do I have a €25 copay for my claim?

When you move to another EU country you can keep your Expat health coverage. Transfer your existing policy to continue your coverage history and 5-year coverage period, or start a…

Continuing your Expat health insurance when you move to another EU country

Learn which details on your expat health insurance policy you can update — name, date of birth, citizenship, arrival date, and last permanent residency — which changes need our support…

What changes can I make to my expat health insurance policy?

Learn what expat health insurance covers during emergency hospitalization, how to handle payment requests at the hospital, and how to submit a claim once your stay is complete.

What to do if you're hospitalized in an emergency

Changing the start date of your expat health insurance policy

Learn how to submit an expat health insurance claim, including document requirements, the European IBAN needed for reimbursement, updating claim details after submission, and submitting claims after canceling your policy.

How do I submit an expat health insurance claim?

Learn which documents are required for each type of expat health insurance claim, including outpatient visits, hospital stays, medications, physical therapy, and the 31-day waiting period waiver.

What documents do I need to submit an expat health insurance claim?

Expat health insurance claims usually process within 2–6 weeks. Learn the common causes of delays, what to do when asked for extra documents, how you'll be updated, and when to…

Why is my expat health insurance claim taking longer than usual to process?

Learn how to check your expat health claim status in your account, and what each status label and review step means.

How to check the status of your expat health insurance claim

This article explains that if your visa or residence permit is based on a specific health insurance policy, cancelling or downgrading it too soon can put your status at risk.

Why you shouldn’t cancel visa-related health insurance too soon

Milena

Sabine

Eloi Lanthiez

What is expat health insurance? How can I sign up?

Expat Health Insurance

Here we will provide you with a basic and digestible overview of what is covered under the expat health insurance policy.

What is and isn't covered under my Expat Health insurance policy?

Learn what counts as a pre-existing condition, why we don't cover them, and how to manage your healthcare, including tips for a smooth transition to the public health system.

Pre-existing conditions and expat health insurance in Europe

Learn what counts as a routine check-up, how it differs from a visit for symptoms, and what the expat health plan covers for preventative care.

Routine check-ups and expat health insurance

Learn what expat health insurance covers for dental treatment, including pain-relieving care, denture repairs, and exclusions like check-ups, dental replacements, and pre-existing issues.

What dental treatments are covered by expat health insurance?

Find out how our expat health insurance handles chronic conditions, including what's covered when a condition develops after your policy starts and how pre-existing conditions affect your eligibility for claims.

Does expat health insurance cover chronic illnesses?

Can I upgrade my expat health insurance plan?

Find out what gynecological care is covered under our expat health insurance, including which conditions qualify, what isn't covered, and what we need to process a claim.

What gynecological care is covered under expat health insurance?

Vincent

Manon

Coverage and Benefits

Learn how much expat health insurance costs by age, who's covered, and what to do if you're 75 or older or don't want to combine policies with family.

How much does expat health insurance cost?

This article explains why payments can fail, how automatic and manual retries work, and what to do if your payment cannot be completed.

Why did my payment fail and how do retries work?

An explanation of deductibles and copays, including how fixed deductibles, percent-based deductibles with a copay, and fixed per-claim copays are calculated, and why you should still submit claims you pay…

How do deductibles and copays work in insurance?

How payments work for expat health insurance: accepted payment methods, billing dates, currency, payment frequency options, failed payments, and refund eligibility when canceling.

Payments, billing, and refunds for expat health insurance

Can I delay paying for expat health insurance if I'm applying for a visa?

Jamie

Pricing and Payments

Find out who qualifies for expat health insurance in Europe, how long the coverage lasts, and which groups of people are not eligible for this type of plan.

Expat health insurance eligibility in Europe

Am I eligible for expat health insurance in The Netherlands?

Starting your expat health insurance on the right date depends on your situation. Here's what to know whether you're moving to Europe for the first time or renewing your visa…

When should I start my expat health insurance?

In a minority of cases, our expat health insurance includes a 31-day waiting period before your claims can be made. It's waived if your policy starts within 31 days of…

What is a "waiting period" and does my expat health insurance have one?

Health insurance is mandatory for all students. Your options depend on your nationality, how long you're staying, and your residency status.

Health insurance options for international students

Manthos

Eligibility and Enrollment

Learn what the European Health Insurance Card (EHIC) is, which countries and services it covers, how to use it abroad, how long it applies for vacations, job seeking, and studies,…

What is the European Health Insurance Card (EHIC) and how does it work?

Expat health insurance cannot issue an A1 or S1 form for use within the EU/EEA. Only statutory health insurance, whether public or full private, can provide these forms.

Can I get an A1 or S1 form with expat health insurance?

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