Your Questions

INTERNATIONAL HEALTH AND TRAVEL INSURANCE FOR INDIVIDUAL FAMILY CORPORATES

Insurance - Your Questions and Our Answers

I wish to have an International Health Insurance Policy. How do I get a quote and apply for the Best Insurance Policy?

If you are an individual looking for international health insurance for you and your dependants - Please click on the Quote and you will be guided through the process of Quote and Buy the Policy Online. If you wish to talk to our Insurance Advisor - for an Personalised Insurance Advise and Quote - click on the link and send in your needs and we will work out the best possible Insurance for you and your Family.

For Group and Corporate Insurance - kindly fill the form in the Contact and we will get back to you Pronto!

We will love to help with your Travel Insurance needs - just fill the Personalised Insurance Quote form and we will offer you all possible options of Travel Insurance for you, your family, your friends and colleagues.

Fine - I went Online as you guided and got a Good Insurance Policy. I am planning Treatment for my wife. How do I go about it? I want Direct Settlement of all the Hospital Bills

You will need to submit a Treatment Guarantee Form in advance of treatment. Provided that the treatment you are seeking is covered under your plan, the company will confirm the medical necessity of your treatment and appropriateness of the costs and where possible, arrange for direct settlement.
By following the treatment guarantee process, we guarantee you financial freedom from the hospital bills and ensure that your loved one gets the best possible treatment without the financial worry.

What about Outpatient Treatment? If I make a claim for eligible Outpatient Treatment - how fast will I be reimbursed?

Provided the fully completed Claim Form is submitted with all original documentation, invoices and receipts within 6 months after the end of the insurance year, the company will process the claim within 48 hours. You will then receive a confirmation email (if an email address has been provided to us), a settlement letter and statement of accounts which details the status of the claim. Payment will follow directly from Citibank, our payment bpartner.

Where are I get Treatment? Am I covered worldwide?

Where the necessary medical treatment for which you are covered is not available locally, you can avail of treatment in any country within your area of cover. In order to seek reimbursement for medical treatment and travel expenses incurred, you will need to submit a Treatment Guarantee Form for approval prior to travel.

Where the necessary medical treatment for which your are covered is available locally but you choose to travel to another country within your area of cover for treatment, we will reimburse all eligible costs incurred within the terms of your plan, however, we will not pay for travel expenses incurred.

I have an 'Emergency' - What do I do?

In an emergency, go to the nearest hospital and always seek medical care immediately. Where possible you should contact the 'Helpline' within 48 hours of the emergency event.

What if i forget to pay my Insurance premium in time - what do I do?

We are there to remind you and remind you again. So that you pay the premium in time.
And then you forget -
We will cancel the policy where you have not paid the full premium when due. We shall notify you of this cancellation and the contract shall be deemed cancelled from the premium due date. However, if the premium is paid within 30 days after due date, we will reinstate your insurance cover and pay any claims which occurred during the period of cancellation. However, if the outstanding premium is only paid after this 30-day limit, you must complete an individual health declaration form before your policy can be re-instated.

What happens if I return to my home country?

If you return to your home country to make it your principal country of residence, your policy can continue as long as your home country is within your area of cover. Please note that cover in some countries is subject to legal restrictions, particularly for nationals of that country. It is your responsibility to ensure that your health insurance cover is legally appropriate and we would recommend that you seek independent legal advice in this regard.

What if I change my address?

Do communicate to us about the change in address.
Any change in your home or business address should be communicated to us as soon as possible. This information will help us to keep in contact with you.

When can I make changes to the payment terms?

Changes in payment terms (e.g. method or frequency) can only be made at policy renewal. You will need to provide us with written instructions 30 days prior to your renewal date

Where do I get copies of the Treatment Guarantee form and Claim forms?

Please go the download section of this website and you could download the forms for your use.

What if I have a complaint?

The Allianz Worldwide Care Helpline is always the first number to call if you have any comments or complaints. Please call the Helpline or write to

Allianz Worldwide Care
18B Beckett Way
Park West Business Campus
Nangor Road
Dublin 12
Ireland

If we have been unable to resolve the problem to your satisfaction and you wish to take your complaint further, Individual Members can refer their complaint to the Irish Financial Services Ombudsman.

The Financial Services Ombudsman is a statutory official who acts as an impartial arbiter of unresolved disputes that customers and small business may have with financial services providers.

Financial Services Ombudsman
3rd Floor, Lincoln House
Lincoln Place
Dublin 2
Ireland

Tel: + 353 1 662 0899
Fax: + 353 1 662 0890