Allianz is a global leader in health insurance. Their Allianz Asia plans are designed for a mobile lifestyle, offering robust coverage for inpatient care such as hospital stays, surgeries, and emergency evacuations. Optional benefits include outpatient, maternity, and dental coverage. Policies are managed on an annual basis, meaning you pay for a year of coverage and the insurer takes care of eligible expenses up to an annual limit.

The Allianz Asia plans provide extensive global coverage, although coverage does not extend to unforeseen emergencies or illnesses in the United States.

Allianz uses a full medical underwriting model. This means that while non-chronic conditions might be covered after a waiting period, significant or chronic pre-existing conditions may be excluded or subject to a loading fee. In some cases, employer group policies can offer more flexible underwriting.

Premiums are set on an annual basis and can increase due to factors like medical inflation, claims history, and overall plan performance. Allianz employs a community rating model, so premium adjustments are applied uniformly across the plan, though individual factors such as age may also influence the increase.

Will I always need to pay for medical services and then make a claim for reimbursement?
No, Allianz offers direct billing for both inpatient and outpatient services. This means that hospitals and clinics handle payments directly with Allianz, saving you from having to pay upfront.

While Allianz policies are structured on an annual basis, some plans allow you to make periodic payments. Please note that additional fees apply: 5% for monthly payments, 4% for quarterly payments, and 3% for semi-annual payments.

At this time, Allianz does not offer extensive options for employer group plans in Southeast Asia.