Insurance & reimbursement · Mallorca
Reimbursement of the house call.
Doc-Mallorca bills privately against a private invoice. Travel health insurers often reimburse private house calls abroad — reimbursement is possible but not guaranteed; please check your policy in advance. This page explains the paths and the invoice format you receive.
Three reimbursement paths
Who can apply for reimbursement?
1 · Private travel health insurance
If you have taken out travel health insurance (annual tariff or trip-specific cover), you can submit the private invoice there. Whether, to what extent, and with which excess reimbursement occurs is determined by your tariff. Please check before travelling.
2 · Full private health insurance (PKV)
Patients with full private health insurance submit the invoice to their insurer. International services are included in most tariffs — please check tariff terms, particularly regarding excess and required invoice format.
3 · German statutory insurance (GKV) — § 13 (4) SGB V
Patients with German statutory insurance can apply under § 13 (4) SGB V to their insurer for reimbursement of medical treatments abroad. The statutory insurer reimburses at most the amount that would have been incurred for comparable treatment in Germany. The insurer decides on success and amount of reimbursement.
Many German and international travel health insurers reimburse private medical house calls abroad. Please contact your specific insurer for tariff-specific reimbursement practice.
What the private invoice contains
Format and content of the private invoice.
After the house call you receive a digital private invoice as a PDF by email — immediately or the following day at the latest. The invoice contains all required details for submission to your insurer:
- Patient data
- Treatment date and time
- Treatment location (hotel/residence address)
- Short medical history
- Diagnosis with ICD-10 code
- Service line items itemised or as a flat-rate item for the house call
- Individual prices and total amount in Euro
- VAT identification number
- Bank details for transfer
How it works
From house call to reimbursement — in 4 steps
- 1 · House call
Medical history, examination, treatment on site at your hotel, apartment or yacht.
- 2 · Private invoice by email
You receive the detailed invoice as a PDF — right after the house call or the following day.
- 3 · Payment & submission
You pay immediately after the house call by credit card or debit card (mobile card terminal). In parallel you submit the PDF invoice to your insurer (online portal, app or post).
- 4 · Reimbursement by your insurer
The insurer reviews the claim and reimburses according to your tariff. In case of partial reimbursement or denial: request the reason from your insurer, file an appeal with supplementary medical statement if needed.
Frequently asked questions about reimbursement
What you should know about reimbursement.
How do I submit the private invoice to my travel health insurer?
You will receive the digital private invoice as a PDF by email — right after the house call or the following day at the latest. Submit the invoice to your insurer (online portal, app, or post) together with the completed claim form. Processing time depends on your insurer.
What about the European Health Insurance Card (EHIC / GHIC)?
The EHIC/GHIC generally covers treatments at public Spanish facilities (Centro de Salud, public hospital) — not private medical house calls. For a private treatment like with Doc-Mallorca, the EHIC is not the appropriate instrument. Please clarify with your health insurer and travel health insurer.
Does my full private health insurance (PKV) cover the cost?
Whether and to what extent your full private health insurance covers medical treatments abroad depends on your specific tariff. Please check your tariff before travelling or ask your insurer directly whether international services are included, whether there are excess rules, and which invoice format is required.
What is § 13 (4) SGB V (foreign care reimbursement for German statutory insurance)?
Patients with German statutory insurance can apply to their insurer under § 13 (4) SGB V for reimbursement of medical treatments in EU countries. The statutory insurer reimburses at most the amount that would have been incurred for comparable treatment in Germany. Whether and to what extent reimbursement is granted in an individual case is decided by your insurer.
Do you offer direct billing with the insurer?
Currently no. Doc-Mallorca bills privately against a private invoice — you pay the invoice and submit it to your insurer for reimbursement. "Cashless" direct billing is not established for private medical house calls abroad.
What if my insurer doesn't reimburse in full?
Possible reasons may include tariff excess, daily maximums, or missing indication details. In case of denial or partial reimbursement: first request the reason from your insurer, then file an appeal if needed. On request I can provide a supplementary medical statement on the diagnosis or an extended medical report.
What information does your private invoice contain?
Patient data, treatment date and time, treatment location, short medical history, diagnosis with ICD-10 code, service line items itemised or as a flat-rate item for the house call, individual prices and total amount in Euro, VAT ID, bank details. The invoice is detailed for submission to German insurers.
What if I don't have travel health insurance?
You can still book the house call — you cover the cost yourself initially. Subsequent reimbursement may be applied for from your German statutory health insurance (§ 13 (4) SGB V) or your full private health insurance — success and amount depend on tariff and individual circumstances. For frequent travellers, a travel health insurance policy may be worthwhile.
More questions?
Write me for invoice or medical-report questions — for tariff-specific or reimbursement-specific questions please contact your insurer directly.