Claims Process
Comprehensive guide to filing and managing claims with Allianz international insurance, including documentation, timelines, and reimbursement options
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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
Allianz Claims Process
This comprehensive guide explains how to submit, track, and manage claims with your Allianz international insurance policy.
Claims Submission Methods
Allianz offers multiple ways to submit your claims, catering to different preferences and situations:
Recommended Method
The Allianz MyHealth app offers the fastest and most convenient way to submit claims:
- Download the MyHealth app (iOS/Android)
- Log in with your policy credentials
- Select “Submit a Claim”
- Take photos of your invoices/receipts
- Complete the claim form
- 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
Recommended Method
The Allianz MyHealth app offers the fastest and most convenient way to submit claims:
- Download the MyHealth app (iOS/Android)
- Log in with your policy credentials
- Select “Submit a Claim”
- Take photos of your invoices/receipts
- Complete the claim form
- 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
The Allianz online member portal provides a web-based alternative:
- Visit member.allianzworldwidecare.com
- Log in to your account
- Navigate to the “Submit a Claim” section
- Upload scanned documents
- Complete the online form
- Submit your claim
Benefits:
- Larger file uploads than the app
- Comprehensive claim history
- Access to all policy documents
- Suitable for complex claims
Limits: Claims up to €11,000 / $13,000 / £9,000
For situations where digital apps aren’t convenient:
- Download the claim form from member portal
- Complete all sections (digital or handwritten)
- Scan/photograph your invoices and receipts
- Email everything to claims@allianzworldwidecare.com
- Include your policy number in the subject line
Benefits:
- Works without stable internet connection
- Suitable when app/portal access is limited
- Good for complex documentation
Processing time: 7-10 business days
For original documents or complex claims:
- Complete a paper claim form
- Attach original invoices/receipts
- Mail to:
Benefits:
- Accepts original documents when required
- No digital technology needed
- Appropriate for very large claims
Processing time: 14-21 business days plus mail transit time
Note: Always keep copies of everything you send
Required Documentation
Proper documentation is crucial for smooth claims processing. Here’s what you’ll need:
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
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
For Prescriptions
- Copy of prescription
- Pharmacy receipt showing drug costs
- Condition being treated
- For chronic medications: doctor’s note
For Hospitalization
- Pre-authorization form (if applicable)
- Discharge summary
- Itemized hospital bill
- Surgical/procedure reports
- Emergency room reports
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
Processing Timeline
Allianz provides clear processing timelines based on submission method and claim complexity:
| Claim Type | App/Portal | ||
|---|---|---|---|
| Standard Outpatient | 3-5 business days | 5-7 business days | 14-21 business days |
| Complex Claims | 7-10 business days | 10-14 business days | 21-28 business days |
| Emergency Claims | 24-48 hours | 24-48 hours | Not recommended |
| Direct Billing | Immediate | Immediate | Immediate |
Tracking Your Claim
Allianz provides several options to track the status of your submitted claims:
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.
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.
The member portal offers comprehensive tracking:
- Detailed claim status view
- Documentation of all correspondence
- Payment details when processed
- Export options for tax purposes
- Ability to submit additional information
Tip: Log in weekly to check status if you have pending claims.
For personalized claim tracking assistance:
- Call the number on your membership card
- Email claims@allianzworldwidecare.com
- Live chat through the member portal
- Provide policy number and claim reference
Available: 24/7 for emergency claims, business hours for standard claims
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)
Reimbursement Methods
Allianz offers several options for receiving your claim reimbursements:
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
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
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
Direct Billing Network
Allianz’s direct billing service eliminates the need to pay upfront and file claims for many medical services:
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.
Pre-authorization (if needed)
For planned procedures or hospitalization, contact Allianz 48-72 hours in advance for pre-authorization.
Present Your Membership Card
Show your physical or digital Allianz membership card when you arrive at the facility.
Facility Verifies Coverage
The provider will verify your eligibility and coverage details directly with Allianz.
Receive Treatment
Proceed with your appointment or treatment. The provider bills Allianz directly.
Pay Only Your Portion
You’re only responsible for any co-pay, deductible, or non-covered services.
Claims Appeals Process
If your claim is denied or partially paid, you have the right to appeal: