Application & Enrollment Guide
Step-by-step guide to purchasing Allianz international insurance, underwriting process, required documentation, and application timeline
Allianz Sales Process & Application Guide
This comprehensive guide explains the entire process of purchasing Allianz international health insurance coverage, from initial consultation to policy issuance.
Application Process Overview
The process for obtaining Allianz international health coverage follows these general steps:
Initial Consultation
Meet with a licensed broker to discuss your needs, travel plans, and coverage requirements. This can be done virtually or in person.
Outcome: Understanding of available plans and coverage options
Plan Selection
Compare different Allianz plans and customize coverage options including geographical coverage areas, plan levels, and optional benefits.
Outcome: Identification of the most suitable plan for your needs
Application Submission
Complete and submit the formal application with personal and medical information according to your underwriting approach.
Outcome: Application delivered to Allianz for review
Underwriting Review
Allianz reviews your application according to the selected underwriting method (full medical, moratorium, etc.)
Outcome: Coverage terms offered by Allianz
Policy Issuance
Once approved, you’ll receive your membership pack including policy documents electronically via email and the MyHealth portal.
Outcome: Active insurance coverage and access to digital services
Understanding Plan Structures
Allianz offers several international health insurance plans with modular structures:
| Plan Type | Coverage Focus | Key Benefits | Best For |
|---|---|---|---|
| Core Plans | In-patient coverage |
| Essential hospital coverage with flexible options |
| Out-patient Plans | Day-to-day medical care |
| Comprehensive routine care coverage |
| Dental Plans | Oral health coverage |
| Comprehensive dental care needs |
| Repatriation Plan | Return to home country |
| Those wanting treatment in their home country |
Geographical Coverage Areas
Allianz offers multiple geographical coverage options to match your travel and residency needs:
Coverage valid everywhere in the world without restrictions.
Best for: Frequent global travelers, digital nomads with unpredictable itineraries, or those requiring access to care in high-cost regions like the USA.
Coverage valid everywhere in the world without restrictions.
Best for: Frequent global travelers, digital nomads with unpredictable itineraries, or those requiring access to care in high-cost regions like the USA.
Coverage limited to specific geographical territories (e.g., Africa, Europe, Asia).
Best for: Expatriates or travelers staying within a defined region, typically offering more cost-effective premiums than worldwide coverage.
Most plans include emergency treatment outside your coverage area during business or holiday trips.
Important limitations:
- Limited to a specific number of weeks per trip
- Only covers emergencies requiring treatment within 24 hours
- Does not cover routine or follow-up care
- Excludes maternity or pregnancy-related emergencies
Documentation: Always carry your insurance card and contact the 24/7 helpline immediately in emergencies.
Underwriting Approaches
Allianz employs several underwriting approaches depending on your situation:
This approach requires a complete medical history disclosure. Allianz evaluates this information to determine:
- Coverage terms
- Any applicable exclusions
- Required waiting periods
Best for: Individuals seeking clarity on exactly what is covered from day one.
This approach requires a complete medical history disclosure. Allianz evaluates this information to determine:
- Coverage terms
- Any applicable exclusions
- Required waiting periods
Best for: Individuals seeking clarity on exactly what is covered from day one.
With this simplified approach:
- Pre-existing conditions may become eligible for coverage after 24 continuous months without symptoms, treatment, medication, or medical advice
- No initial detailed medical questionnaire
- Claims related to potential pre-existing conditions in the first 24 months will be reviewed
Best for: Generally healthy individuals seeking a streamlined application process.
Continuous Personal Medical Exclusions or Continuous Transfer Terms:
- For those transferring from another insurer
- Maintains similar underwriting terms from previous policy
- Requires documentation of prior coverage
Best for: Those with existing international coverage seeking to switch insurers.
Digital Services & Policy Management
Allianz provides comprehensive digital tools for managing your policy:
MyHealth Portal
- Access all policy documents
- Review covered benefits
- Submit and track claims
- Access digital insurance cards
- Download policy guides and forms
MyHealth App
- Mobile access to all policy features
- Submit claims by photo
- Find medical providers
- Access emergency contact information
- Available for iOS and Android
Digital Membership Pack
Shortly after your application is approved, you’ll receive a Membership Pack email containing:
- Insurance Certificate outlining your coverage details
- Membership Card with essential contact information
- Table of Benefits detailing what’s covered under your plan
- Access instructions for the MyHealth digital services
All these documents are also available through the MyHealth app and portal for easy access wherever you are.
Payment Options
Allianz offers flexible payment options to suit your preferences:
Monthly
Premium surcharge applies
Quarterly
Lower surcharge than monthly
Semi-Annual
Minimal surcharge
Annual
No surcharge (best value)
Frequently Asked Questions
Get Started with Your Application
Ready to begin your Allianz application? Our licensed specialists can guide you through every step of the process.