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Allianz Renewal & Policy Management

Allianz Renewal Process This comprehensive guide explains everything you need to know about managing your Allianz international insurance policy, including renewals, coverage adjustments, and account administration.

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Renewal Timeline & Process

Allianz follows a structured renewal process to ensure continuous coverage for policyholders:
1

Renewal Notification

Allianz sends your renewal notice approximately 45 days before your policy expiration date, containing:
  • Updated premium information
  • Any benefit changes or enhancements
  • Policy documents for the upcoming year
  • Renewal forms and instructions
Delivery methods: Email (primary), physical mail (if requested), accessible in your online portal
2

Review Period

You have time to review your renewal options and consider any needed changes:
  • Compare any benefit updates
  • Assess if coverage still meets your needs
  • Consider alternatives if premium increases are significant
  • Consult with your broker about optimizing coverage
Timeframe: 30 days to review and make decisions
3

Policy Adjustments

This is your opportunity to request changes to your policy:
  • Add or remove dependents
  • Adjust deductible levels
  • Modify area of coverage
  • Add or remove optional benefits
Deadline: Changes must be submitted at least 15 days before policy expiration
4

Renewal Confirmation

Confirm your intention to renew by:
  • Completing the renewal form (if changes requested)
  • Updating payment information if needed
  • Signing any required documents
  • Submitting through the portal, email, or to your broker
Note: Some policies have auto-renewal features if no changes are requested
5

Payment Processing

Complete payment for your renewed policy:
  • Credit card payments processed immediately
  • Bank transfers must be received before renewal date
  • Payment plans set up for monthly/quarterly options
Grace period: 30 days after expiration date (coverage may be suspended during this time)
6

New Policy Documents

Receive your updated policy documents:
  • Digital documents delivered via email/portal
  • New insurance cards issued if requested
  • Updated policy terms and conditions
  • Confirmation of any applied changes
Delivery timeframe: 7-10 days after renewal confirmation

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Understanding Premium Adjustments

Allianz calculates renewal premiums based on multiple factors. Understanding these can help you anticipate changes:
  • Age-Based Factors
  • Medical Inflation
  • Claims Experience
  • Benefit Enhancements
  • Premiums increase as you move into higher age bands
  • Typical age bands: 0-17, 18-25, 26-30, 31-35, etc.
  • Larger increases typically occur at age 50+
  • Average age-related increase: 3-8% per band change
Example: Moving from the 31-35 to 36-40 age band might increase premiums by approximately 5%, independent of other factors.

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Premium Control Strategies

Consider these options to manage premium increases at renewal:

  • Increase deductibles: Raising your deductible from 0to0 to 500 can reduce premiums by 10-15%
  • Adjust coverage area: Excluding USA coverage can lower premiums by 20-30%
  • Review optional benefits: Dental and vision coverage typically add 7-12% to premiums
  • Consider co-payment options: A 20% co-pay option can reduce premiums by 15-20%
  • Annual payment discount: Pay annually instead of monthly to save 3-5%

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Making Mid-Term Policy Changes

While renewal is the ideal time for policy adjustments, Allianz does allow certain changes mid-policy:
Change TypeAllowed Mid-Term?RequirementsProcessing Time
Adding dependents (newborn/adoption)YesBirth certificate or adoption papers3-5 business days
Adding spouse/partnerYesMarriage certificate or proof of partnership7-10 business days
Removing dependentsYesWritten request3-5 business days
Address/contact updatesYesNew contact information1-2 business days
Payment method changeYesNew payment details3-5 business days
Increasing coverage levelAt renewal onlyUpdated applicationWith renewal process
Decreasing coverage levelCase-by-caseWritten request with justification10-15 business days
Adding optional benefitsAt renewal onlyRenewal formWith renewal process
Changing deductibleAt renewal onlyRenewal formWith renewal process
For Individual Policies:Changes to your coverage level are typically only permitted at policy renewal. To request changes:
  1. Contact Allianz before your renewal date to discuss options
  2. For coverage increases: Prepare to complete a medical questionnaire
  3. Be aware that additional exclusions may apply to the increased portion
  4. Additional premiums will be calculated for enhanced coverage
  5. New waiting periods may apply to the upgraded benefits
For Group Scheme Policies:Your coverage level is determined by your employer. To explore changes:
  1. Contact your HR department or group plan administrator
  2. They will communicate with Allianz regarding any potential adjustments
  3. Changes typically align with your company’s policy rules and renewal cycle
Allianz offers flexible options for adding dependents to your policy:Adding a spouse or dependent:
  1. Contact Allianz directly at their underwriting email address
  2. No application form required in most cases
  3. Coverage begins from the notification date or a future date you specify
  4. A new waiting period (moratorium) will apply for the added dependent
Adding a newborn:
  1. Notify Allianz within four weeks of birth
  2. For group policies, submit the request through your company with a birth certificate
  3. For individual policies where parents have been covered for at least eight consecutive months, no additional underwriting is required
  4. For newer policies, a standard application process applies
Coverage includes: Multiple births, babies born via surrogacy, adopted and fostered children

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Policy Cancellation Options

If you need to cancel your Allianz policy, understand the following process and implications:
You can cancel your policy before the renewal date under certain circumstances:
  • Relocation to country of origin: Requires proof of repatriation and end date
  • Obtaining alternative coverage: Requires certificate of new insurance
  • No longer requiring coverage: Available with 30 days’ written notice
Premium refund policy:
  • Monthly payments: No refund, coverage stops at the end of paid period
  • Annual payments: Pro-rated refund for unused complete months, minus 15% administration fee
  • No refunds if claims have been submitted and paid
Minimum premium rule: All cancellations are subject to a minimum 3-month premium retention
If you have an individual policy, you can cancel within 30 days of:
  • Receiving your full policy terms and conditions, OR
  • Your policy start/renewal date (whichever comes later)
To cancel during this period:
  1. Complete the “Right to change your mind” form included in your welcome/renewal pack
  2. Submit via email to the address provided in your documentation
  3. Or mail to Client Services at the address in your Benefit Guide
Refund policy: Full premium refund if canceled within 30 days, provided no claims have been madeImportant: Cancellations cannot be backdated, and after the 30-day period, the full premium for the year becomes due according to your selected payment schedule
If you’re part of a group scheme, your membership will automatically end when:
  • The agreement between your company and Allianz terminates
  • Your employer decides not to renew your coverage
  • Premium payments from your company cease
  • You stop working for the company
  • Upon the death of the insured employee
Note on misrepresentation: Allianz reserves the right to terminate coverage if there’s evidence of misleading information that influenced coverage eligibility, premium determination, or claims processing

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Continuity of Coverage

Maintaining continuous insurance coverage is critical for international health insurance. Allianz provides several options:

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Renewal Guarantees

Allianz offers the following renewal assurances:

  • Lifetime renewal guarantee regardless of claims or health changes
  • No individual re-underwriting at renewal
  • Premium changes based on standard factors, not individual health deterioration
  • Guaranteed renewal even after serious medical conditions

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Continuation Options

If your circumstances change, Allianz offers:

  • Transfer from group to individual plans if leaving employer
  • Continuation without new waiting periods
  • Coverage for chronic conditions established during previous policy period
  • No break in coverage during transitions

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Portability Benefits

For internationally mobile clients:

  • Coverage continuity when moving between countries
  • Plan flexibility to accommodate changing residency
  • Credit for satisfied waiting periods if upgrading
  • No need for re-underwriting when changing regions

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Lapse Prevention

To avoid unintentional coverage gaps:

  • 30-day grace period for late payments
  • Multiple renewal reminders (45, 30, and 15 days before expiration)
  • Option to reinstate within 60 days with continuous coverage
  • Payment flexibility during temporary financial hardship
If your group policy ends, you can maintain coverage with Allianz by:
  1. Applying for an individual or family plan within one month of leaving the group scheme
  2. Contacting Allianz’s individual sales team directly via email
  3. Providing documentation of your previous group coverage
Important considerations:
  • Some medical underwriting may apply
  • Continuous coverage helps maintain benefits for ongoing conditions
  • Premium will be calculated based on individual rates rather than group rates
  • You can select a plan structure that best matches your needs and budget

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Policy Document Management

Effectively managing your policy documents ensures you always have access to important information when needed:
  • Digital Access
  • Physical Documents
  • Document Retention
Allianz provides comprehensive digital document management:
  • MyHealth App: Access policy documents on-the-go
  • Online Portal: Complete document archive available 24/7
  • Digital ID Card: Always available on your smartphone
  • Email Archives: Policy documents sent to your registered email
  • Download Options: PDF versions available for offline access
Pro tip: Save important documents to your phone’s files for access without internet connection.
If you need a family member or third party to help manage your policy:
  1. Complete Allianz’s Third Party Consent Form
  2. Specify exactly what information can be shared (general or sensitive)
  3. Submit the completed form to Allianz’s client services email
  4. Update the authorization if your circumstances change
Special considerations:
  • Parents/guardians can access information for dependents under 18
  • You can limit third-party access to specific types of information
  • Authorization can be revoked at any time in writing
  • Multiple authorized parties are permitted if needed

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Travel Notifications & Policy Adjustments

If your travel patterns change throughout your policy year, Allianz offers several ways to ensure your coverage remains appropriate:
When traveling outside your normal coverage area temporarily:
  • Notify Allianz for trips exceeding 90 days
  • Update your contact details for emergency assistance
  • Download regional emergency contact information
  • Verify coverage limitations in new destinations
Most Allianz plans include emergency coverage worldwide, even if your regular coverage is regional.
When permanently moving to a new country:
  1. Notify Allianz at least 30 days before relocation
  2. Update your residential address in your profile
  3. Review coverage requirements for new location
  4. Adjust coverage area if needed (may affect premium)
  5. Request information on local healthcare systems
Allianz’s global structure allows for seamless transitions between countries while maintaining the same policy.
If you need to expand your coverage area temporarily:
  • Short-term travel riders: Available for trips of 30-180 days
  • USA coverage add-on: Can be added for specific time periods
  • Business travel extensions: For corporate policies with changing travel patterns
Pricing: Temporary expansions typically cost 5-10% of annual premium, prorated for duration.
Notifying Allianz about residency changes is crucial as it may affect your coverage validity and premium:
  1. Contact Allianz immediately when planning to change your country of residence
  2. Your current policy may not be valid in the new location, even if within your coverage area
  3. Premium adjustments may be necessary based on healthcare costs in the new country
  4. You may need to update your coverage area, especially if moving to/from high-cost regions
Notification process:
  • Individual policyholders: Contact the Allianz helpline directly
  • Group scheme members: Notify both your employer and the Allianz helpline
Documentation required: Proof of new address and residency status may be requested

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Frequently Asked Questions

If you miss your renewal deadline but wish to continue coverage:
  • Grace period: Allianz provides a 30-day grace period after expiration
  • Coverage during grace period: Technically suspended but can be reinstated retroactively
  • Payment required: Full premium payment needed to reinstate
  • After grace period: Policy lapses completely, requiring new application with full medical underwriting
To avoid complications, set up a calendar reminder 45 days before expiration and ensure your contact information is current so you receive renewal notifications.
If you believe your premium increase is excessive:
  1. Contact your broker: They can provide market comparisons and negotiate on your behalf
  2. Request detailed breakdown: Ask Allianz to explain specific factors driving your increase
  3. Consider plan modifications: Adjust benefits or deductibles to offset increases
  4. Review usage patterns: High claims may contribute to increases
  5. Request senior review: In cases of extreme increases, request management review
Industry standards typically consider increases of 8-12% as normal, while increases above 20% may warrant investigation.
Yes, renewal is the perfect time to adjust your payment schedule:
  • Change from monthly to quarterly, semi-annual, or annual
  • Switch from annual to more frequent payments
  • Update automatic payment methods and details
  • Modify payment dates to align with your financial situation
Cost impact: More frequent payments include administration fees (3-5% for monthly, 2-3% for quarterly, 1-2% for semi-annual).Best value: Annual payment provides the lowest overall premium cost.
One of the key benefits of Allianz policies is that changes in health status don’t affect your renewability:
  • New medical conditions developed during the policy year are covered at renewal
  • No new medical underwriting at renewal regardless of health changes
  • No condition-specific premium loading for new health issues
  • No exclusions added for conditions that develop during coverage
This “guaranteed renewability” is a critical advantage of maintaining continuous international health insurance.
If you’re dissatisfied with any aspect of your Allianz policy or service:
  1. First point of contact: Call the Allianz Helpline to resolve the issue immediately
  2. Escalation options: If not resolved by phone, email or write to the Customer Advocacy Team
  3. Information needed: Your policy number, details of the issue, and your desired outcome
  4. Response timeline: Allianz follows a structured complaint management procedure with defined response times
Contact details for complaints:
  • Phone: International helpline number (available on your insurance card)
  • Email: Available through your policy documentation
  • Postal address: Customer Advocacy Team at Allianz’s regional office
You can request a copy of the full complaint procedure from the helpline or find it on the Allianz website.

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Renewal Support Services

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Broker Renewal Assistance

Our licensed brokers offer comprehensive renewal support:

  • Policy review: Detailed analysis of your current coverage vs. needs
  • Market comparison: Benchmarking Allianz against competitors
  • Premium negotiation: Advocacy for fair pricing and discounts
  • Benefit optimization: Recommendations for cost-effective coverage
  • Renewal meeting: Personal consultation to discuss options

This complimentary service ensures you receive the best value and appropriate coverage at each renewal.

Schedule Renewal Review

Book a free consultation with a renewal specialist

Policy Change Request

Submit changes for your upcoming renewal
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