Whether your client is looking for an international health insurance, short-term cover or critical illness, we've got it covered
The right solution, for the right client's need
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International health
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Short-term health
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Critical Illness
Global solution: the Care Plans
International healthcare plans, suited to globally mobile professionnals, famillies or digital nomads looking for medical cover around the world for at least a year. They offer comprehensive benefits as well as health & wellness programme, expatriate assistance programme and travel security services.
Country specific solutions
Learn more about our range of localised international healthcare solutions for the following regions.
Flexicare Plans
This is a short-term international healthcare plan, suited to globally mobile individuals or famillies travelling or living abroad for less than a year. Your client can choose 3, 6 or 9 month cover for medical costs such as hospital visits, surgeries, prescription drugs, cancer treatment, diagnostic tests and GP visits. Flexicare will also cover medical evacuations, in case the treatment needed is not available locally.
Avenue Plans
Avenue is our critical illness international plans, built to give peace of mind to individuals providing cover for serious illness. Avenue covers treatment for 12 types of medical cases of which three are specific for children.
"How to"-
Individual On-boarding Process
Complete and return our Application Form available here. We will register you and issue a Broker Agreement with the terms and conditions of our partnership. Once the Broker Agreement is signed, we will provide you with an identification code (Agency ID), which will be used in your dealings with us.
1. Our Medical Underwriting Team will review the applicant’s details:
- We evaluate the health information provided by an applicant for coverage.
- Based on any declared pre-existing medical history, we will determine the insurance risk and whether to accept the risk, postpone cover or decline it.
- Acceptance of the risk results in an offer of terms either at standard rates or with special conditions.
If there are medical disclosures, your client may be asked to provide additional information for us to evaluate their case. We will send a Medical Questionnaire for the additional information to be filled in.
2. Once the evaluation is complete, our Medical Underwriting Team will communicate the underwriting decision.
There could be three outcomes:
| Standard Rates | Surcharge/exclusion* or combination of the two | Declined or postponed |
|---|---|---|
Cover is confirmed and offered at standard rates (based on new business quotation). This is the case for more than 70% of applications received by us. |
Cover is confirmed and offered with:
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Once the cover offer is accepted by the applicant, we send the invoice and the contract to sign and return. Then we incept the policy and immediately provide the policy documentation – this will be either sent via email or made available on our MyHealth Digital Services.
(Please note that we may use Allianz Medical Expert (AME), our automated underwriting tool, to determine whether we can provide cover to your client and if so, on what terms. This tool is used to process personal and medical information your client provides us in order to calculate the cost of their International Healthcare cover. We regularly assess the way our automated underwriting tool works to ensure we continue to offer a fair assessment).
* Where surcharges and/or exclusions are confirmed, we issue a Special Conditions Letter detailing the terms related to the application of the additional premium/exclusion. If in agreement with these terms, your client must sign and return the Special Conditions Letter to us within 28 days and we will place them on cover.
A Payment letter is issued to your clients at the start of the insurance year.
This letter will indicate the first and subsequent premium due dates (depending on payment frequency selected). Premiums are charged and refunded based on a daily pro-rata rate.
The IPT amount (if applicable) will be listed separately.
We inform clients about the status of their account at each stage of the reminder process:
- If the premium is not paid in time: A 1st reminder is issued to the client 7 days after the premium due date.
- If the premium is still pending: A 2nd reminder is issued to the client 10 days later. In this letter we will advise that payment of medical claims may be suspended if payment is not received.
- If premium is still pending: A final reminder is issued 11 days later, confirming that payment of medical claims has been suspended.
We have a remittance advice system in place, to help allocate payments and minimise the issues where multiple payments are made together. With immediate effect, once a payment has been made by you/your client, please send an email indicating the client’s name, contract number, amount being paid and currency to:remittance@e.allianz.com
Premiums are due to us in advance of the period of cover to which it relates. The premium amount and the chosen payment frequency will be shown on the member’s Insurance Certificate.
For invoicing queries, please contact our Finance Operations Team:
Commission rates are agreed with you at the start of our partnership.
Your commission payment will be calculated based on premiums that we have received from your clients, less taxes. A commission statement will be generated and emailed to you every month. Commission payment will be transferred to the account indicated by your agency when you became a registered broker for our products.
For commission queries, please contact our Finance Operations Team: Commissions@e.allianz.com
Treatment subject to pre-approval
For our international health insurance product, the pre-approval process (through the submission of a Treatment Guarantee Form) applies to most in-patient and high cost treatments indicated in the table of benefits. This process helps us assess each case, organise everything with the hospital before the insured person’s arrival and make direct payment of the hospital bill easier, where possible.
| Form is completed and sent tomedical.services@e.allianz.com (If treatment is scheduled within 72 hours, Helpline will take the details over the phone). | Insured person receives a response from us within 24 hours. | We will contact the hospital to organise payment of insured person’s bill directly, where possible. | Our Medical Team will issue a Guarantee of Payment to the medical provider, authorising the treatment. |
For all claims queries, please contact our Helpline:
Treatment not subject to pre-approval (Out-patient or dental treatment)
If treatment does not require our pre-approval, the insured person can simply pay the bill and claim the expenses from us:
| Insured person receives treatment and pay the medical provider. | Insured person claims costs via our MyHealth app or online portal (or claim form). | We issue the eligible reimbursement and statement of accounts. |
For all claims queries, please contact our Helpline:
Our international health product is sold as an annual contract. Typically two months before the renewal date, we will prepare and email the following renewal documents to the broker’s main contact:
- Renewal contract proposal, including an updated Table of Benefits and the renewal quote.
- Information on any material changes to the policy wording, definitions, exclusions etc. that we may have applied across our products following our annual product review.
Policies are renewed automatically on the renewal date. We will process the cover renewal for all the members and we will issue the renewal documents. These include a renewal letter, the updated Insurance Certificate for the new cover year and the Table of Benefits.
The renewal documents are made available to members on their Online Services account. They can also be sent via email, depending on request.
For queries related to renewals, please contact our Renewal Team at Individual.Renewals@e.allianz.com