Name: Expath Health Insurance
Brand: Feather
Rating: 4.85 (708 reviews)

Question 1

Am I eligible?

Accepted Answer

Yes, if you’ve recently relocated to Germany and are looking for your first health insurance plan, you're eligible for expat health insurance.

You can use your expat insurance in Germany for up to 5 years from your arrival date.

Question 2

What if I am self-employed or a freelancer?

Accepted Answer

Expat health insurance is an excellent option if you're a freelancer or self-employed. Expat insurance provides emergency and accidental coverage in addition to any illness you might have.

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.

Question 3

Is this a good option for foreigners?

Accepted Answer

Yes, for anyone who is not working or earning a high income as someone who is self-employed.

Expat insurance is a good option for people who want to get insured quickly to get their first visa or temporary residence permit because it's affordable health insurance coverage that you can sign up for entirely in English.

However, it's **not** a long-term solution. There's a maximum term limit of **five** years.

Question 4

Does this policy fulfill the requirements for my visa?

Accepted Answer

Yes, this policy meets the legal requirements for getting your first visa or residence permit in Germany and qualifies as your proof of health insurance.

However, it **[may not meet the requirements](https://faq.feather-insurance.com/en/articles/6068061-which-types-of-visas-does-feather-expat-insurance-meet-the-requirements-for)** 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.

Question 5

When will I get my documents after signing up?

Accepted Answer

Immediately. Your policy documents will be waiting for you in your Feather account after you finish signing up.

Question 6

What is the maximum amount of time that I can be covered?

Accepted Answer

Expat health insurance has a maximum term limit of **five years**. This five-year term starts on the first day you 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.

Question 7

Are there any waiting periods?

Accepted Answer

Yes, a standard 30 day waiting period applies before you can use the insurance.

Question 8

Do I have to pay medical costs myself before getting reimbursed?

Accepted Answer

Yes, you'll have to pay upfront and submit photos of all the bills or receipts from your account to get reimbursed. You must pay the doctor or clinic as soon as possible. The reimbursement will be made to you, not to the doctor.

Question 9

Are dental treatments covered?

Accepted Answer

Yes, expat insurance will cover some dental treatments for pain relief like simple fillings. These treatments are covered for up to €500 per year on the Basic plan and up to €1,000 a year on the Premium plan. Additional dental treatments, including cosmetic dental treatments like teeth whitening, are not included. Check-ups are available on the Premium plan after a waiting period of 6 months.

Expat health insurance starting at €72 a month

Don’t take our word for it

Am I eligible?

What if I am self-employed or a freelancer?

Is this a good option for foreigners?

Does this policy fulfill the requirements for my visa?

When will I get my documents after signing up?

What is the maximum amount of time that I can be covered?

Are there any waiting periods?

Do I have to pay medical costs myself before getting reimbursed?

Are dental treatments covered?

Public, private, or expat?

Household

Personal liability

Private health

Public health