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:1
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
2
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
3
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
4
Underwriting Review
Allianz reviews your application according to the selected underwriting method (full medical, moratorium, etc.)Outcome: Coverage terms offered by Allianz
5
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:- Worldwide
- Regional Options
- Emergency Treatment Outside Area
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.
Underwriting Approaches
Allianz employs several underwriting approaches depending on your situation:- Full Medical Underwriting
- Moratorium Underwriting
- CPME/CTT
This approach requires a complete medical history disclosure. Allianz evaluates this information to determine:
- Coverage terms
- Any applicable exclusions
- Required waiting periods
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
What's the difference between in-patient, day-care, and out-patient treatment?
What's the difference between in-patient, day-care, and out-patient treatment?
Understanding these distinctions is important for knowing what’s covered under your plan:
- In-patient treatment: Care received in a hospital where an overnight stay is medically necessary
- Day-care treatment: Planned treatment received in a hospital or day-care facility during the day that doesn’t medically require an overnight stay and where a discharge note is issued
- Out-patient treatment: Care provided in a medical practitioner’s office, therapist’s practice, or specialist’s facility that doesn’t require hospital admission
How do benefit limits work on my policy?
How do benefit limits work on my policy?
Allianz policies may have various types of limits:
- Maximum plan benefit: The total amount payable for all benefits per member, per Insurance Year
- Benefit-specific limits: Monetary limits (e.g., €10,000) or visit/session limits for specific benefits
- “Per Insurance Year” limits: Reset each policy year
- “Per lifetime” limits: Apply throughout your entire time with the insurer
- “Per event” limits: Apply to specific occurrences like pregnancies or trips
Does my policy cover pre-existing conditions?
Does my policy cover pre-existing conditions?
Allianz generally covers pre-existing conditions, including chronic conditions, unless specifically excluded in writing. Coverage depends on your underwriting terms:
- Full Medical Underwriting: Conditions disclosed and accepted during application are covered according to policy terms
- Moratorium or CPME/CTT: Pre-existing conditions may become eligible after a 24-month waiting period without symptoms, treatment, medication, or medical advice related to the condition
How can I upgrade or downgrade my coverage?
How can I upgrade or downgrade my coverage?
Changes to your coverage level can only be made at policy renewal:
- Individual policyholders: Contact Allianz before your renewal date to discuss options
- Group scheme members: Changes must be requested through your company’s HR department or plan administrator
What happens if I need medical evacuation or repatriation?
What happens if I need medical evacuation or repatriation?
If medically necessary treatment isn’t available locally or adequately screened blood is unavailable in an emergency, Allianz provides:
- Medical evacuation: Transportation to the nearest appropriate medical facility (which may or may not be in your home country)
- Medical repatriation (if included in your plan): Option to be transported to your home country for treatment instead of the nearest medical center, if your home country is within your geographical area of cover