Allianz
Claims Process
Comprehensive guide to filing and managing claims with Allianz international insurance, including documentation, timelines, and reimbursement options
⚠️
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
🌍 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 MethodThe 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
- 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
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
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: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.
Claims Appeals Process
If your claim is denied or partially paid, you have the right to appeal:When to Appeal a Claim Decision
When to Appeal a Claim Decision
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
How to Submit an Appeal
How to Submit an Appeal
To appeal a claim decision:
- Timeframe: Submit within 90 days of the original decision
- Documentation: Gather supporting evidence (medical reports, policy details)
- 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
- Include: Your policy number, claim reference, and detailed explanation
Appeals Timeline
Appeals Timeline
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
Frequently Asked Questions
What happens if I forget to get pre-authorization?
What happens if I forget to get pre-authorization?
How are claims handled for different currencies?
How are claims handled for different currencies?
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
What's the deadline for submitting claims?
What's the deadline for submitting claims?
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
How can I maximize my claim reimbursements?
How can I maximize my claim reimbursements?
To ensure maximum reimbursement from your Allianz policy:
- Use in-network providers whenever possible
- Get pre-authorization for all required treatments
- Submit complete documentation the first time
- Include detailed invoices with procedure codes and diagnosis
- Request itemized bills from healthcare providers
- Appeal denied claims when you believe they should be covered
- Check benefit limits before seeking expensive treatments
- Submit related treatments together to maximize benefit utilization