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Emergency Claims Assistance

For urgent medical assistance or emergency claims:
🌍 International: +44 20 1234 5678
🇺🇸 USA Toll-Free: 1-800-123-4567
🔄 Available 24/7 with multilingual support
📱 WhatsApp emergency support: +44 20 9876 5432

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Allianz Claims Process

Allianz Claims Process This comprehensive guide explains how to submit, track, and manage claims with your Allianz international insurance policy.

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Claims Submission Methods

Allianz offers multiple ways to submit your claims, catering to different preferences and situations:
  • MyHealth Digital App
  • Online Portal
  • Email Submission
  • Physical Mail
Recommended MethodThe Allianz MyHealth app offers the fastest and most convenient way to submit claims:
  1. Download the MyHealth app (iOS/Android)
  2. Log in with your policy credentials
  3. Select “Submit a Claim”
  4. Take photos of your invoices/receipts
  5. Complete the claim form
  6. Submit with a single tap
Benefits:
  • Fastest processing time (5-7 days average)
  • Claim tracking in real-time
  • Push notifications for updates
  • No physical documents to mail
  • Available in 8 languages
Limits: Claims up to €8,500 / $10,000 / £7,500

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Required Documentation

Proper documentation is crucial for smooth claims processing. Here’s what you’ll need:

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For All Claims

  • Completed claim form (digital or physical)
  • Invoice showing date, patient name, and services
  • Proof of payment (receipt, bank statement)
  • Policy number and patient details

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For Medical Consultations

  • Diagnosis or reason for consultation
  • Detailed invoice with service breakdown
  • Referral letter (if from a specialist)
  • Medical report for consultations over €400/$500

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For Prescriptions

  • Copy of prescription
  • Pharmacy receipt showing drug costs
  • Condition being treated
  • For chronic medications: doctor’s note

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For Hospitalization

  • Pre-authorization form (if applicable)
  • Discharge summary
  • Itemized hospital bill
  • Surgical/procedure reports
  • Emergency room reports

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Documentation Tips

  • Keep original documents for at least 12 months after submission
  • Ensure all documents are legible (especially when photographing)
  • Documents in languages other than English, German, French, Spanish or Portuguese may require translation
  • For treatments over €400/$500/£350, always include a medical report
  • Group related treatments (same condition) into a single claim when possible

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Processing Timeline

Allianz provides clear processing timelines based on submission method and claim complexity:
Claim TypeApp/PortalEmailMail
Standard Outpatient3-5 business days5-7 business days14-21 business days
Complex Claims7-10 business days10-14 business days21-28 business days
Emergency Claims24-48 hours24-48 hoursNot recommended
Direct BillingImmediateImmediateImmediate

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Tracking Your Claim

Allianz provides several options to track the status of your submitted claims:
  • MyHealth App
  • Online Portal
  • Customer Service
The most convenient way to track claims:
  • Real-time status updates
  • Push notifications when status changes
  • Complete claims history
  • Payment tracking information
  • Ability to provide additional information if requested
Tip: Enable push notifications to receive immediate updates on claim status changes.

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Claim Status Definitions

  • Received: Claim has been successfully submitted to Allianz
  • Under Review: Allianz is assessing the claim and documentation
  • Additional Information Required: More documentation needed
  • Processed: Claim has been assessed and decision made
  • Payment Initiated: Reimbursement has been processed
  • Completed: Payment has been sent to your bank account
  • Partially Approved: Some items covered, others not eligible
  • Declined: Claim not eligible for coverage (with reason provided)

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Reimbursement Methods

Allianz offers several options for receiving your claim reimbursements:

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Bank Transfer

The fastest and most secure method.

  • Available for 135+ currencies
  • Processing time: 3-5 business days
  • No fees from Allianz side
  • IBAN/SWIFT information required

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Check/Cheque

Available in select countries.

  • Processing time: 10-15 business days
  • Available in USD, EUR, and GBP
  • Mail delivery times vary by location
  • Not available in all regions

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Wire Transfer

For larger claim amounts.

  • Processing time: 5-7 business days
  • Additional documentation may be required
  • May include third-party bank fees
  • Required for claims over €10,000/$12,000

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Direct Billing Network

Allianz’s direct billing service eliminates the need to pay upfront and file claims for many medical services:
1

Find a Network Provider

Use the MyHealth app or online portal to locate in-network facilities near you. The database includes 150,000+ providers globally.
2

Pre-authorization (if needed)

For planned procedures or hospitalization, contact Allianz 48-72 hours in advance for pre-authorization.
3

Present Your Membership Card

Show your physical or digital Allianz membership card when you arrive at the facility.
4

Facility Verifies Coverage

The provider will verify your eligibility and coverage details directly with Allianz.
5

Receive Treatment

Proceed with your appointment or treatment. The provider bills Allianz directly.
6

Pay Only Your Portion

You’re only responsible for any co-pay, deductible, or non-covered services.

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Claims Appeals Process

If your claim is denied or partially paid, you have the right to appeal:
Consider appealing when:
  • Treatment should be covered under your policy benefits
  • The reimbursement amount seems incorrect
  • There appears to be a misunderstanding about the treatment provided
  • You have additional information not provided with the original claim
  • The reason for denial is unclear or seems incorrect
Allianz statistics show that approximately 15-20% of appeals result in a favorable outcome for members.
To appeal a claim decision:
  1. Timeframe: Submit within 90 days of the original decision
  2. Documentation: Gather supporting evidence (medical reports, policy details)
  3. Submission methods:
    • Through the MyHealth app (select “Appeal” option on the claim)
    • Via the online portal’s appeals section
    • By email to appeals@allianzworldwidecare.com
    • By mail to the Claims Department with “APPEAL” clearly marked
  4. Include: Your policy number, claim reference, and detailed explanation
Pro tip: Always include a letter from your healthcare provider supporting medical necessity when relevant.
Allianz handles appeals according to the following timeline:
  • Acknowledgment: Within 2 business days of receipt
  • Initial review: 5-10 business days
  • Medical review board (if needed): Additional 7-14 days
  • Final decision: Typically within 30 days of appeal submission
  • Secondary appeal: If dissatisfied, a final appeal can be submitted within 30 days of the first appeal decision
Expedited appeals are available for urgent medical situations, with decisions typically made within 72 hours.

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Frequently Asked Questions

If you fail to obtain pre-authorization for treatments that require it:
  1. Your claim may be subject to a penalty (typically 25-50% reduction in reimbursement)
  2. In some cases, the claim might be denied entirely
  3. You’ll need to provide additional documentation to support medical necessity
Pre-authorization is typically required for:
  • Any hospitalization or inpatient treatment
  • Surgeries and procedures over €2,000/$2,500
  • Maternity care and childbirth
  • Cancer treatments
  • MRIs, PET and CT scans
  • Rehabilitation services
For emergency hospitalizations, you or someone on your behalf should notify Allianz within 48 hours.
Allianz handles multiple currencies with the following approach:
  • Claims can be submitted in any currency
  • Reimbursements are typically made in the currency of your bank account
  • Currency conversion is based on the exchange rate on the day the claim is processed
  • You can specify a preferred reimbursement currency in your profile settings
  • For direct billing, no currency conversion is needed
If you incur expenses in multiple currencies, you can submit them together in a single claim. Allianz will handle the currency conversion automatically.
Allianz has the following submission deadlines:
  • Standard deadline: Claims must be submitted within 180 days (6 months) from the treatment date
  • End of policy year: Claims from the previous policy year should be submitted within 30 days after your renewal date
  • Policy termination: If your policy ends, you have 60 days to submit any outstanding claims
Late submission exceptions may be considered for extenuating circumstances (serious illness, natural disasters, etc.), but these are evaluated on a case-by-case basis. We strongly recommend submitting claims as soon as possible after receiving treatment.
To ensure maximum reimbursement from your Allianz policy:
  1. Use in-network providers whenever possible
  2. Get pre-authorization for all required treatments
  3. Submit complete documentation the first time
  4. Include detailed invoices with procedure codes and diagnosis
  5. Request itemized bills from healthcare providers
  6. Appeal denied claims when you believe they should be covered
  7. Check benefit limits before seeking expensive treatments
  8. Submit related treatments together to maximize benefit utilization
Consider scheduling a benefits review call with an Allianz representative to fully understand your specific coverage and optimization strategies.

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Need Additional Help?

Contact Claims Support

Speak with a dedicated claims specialist

Download Forms

Access all claim forms and documents

Find a Provider

Locate in-network healthcare facilities
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