Frequently asked questions
Who is eligible to apply?
We will consider applicants for cover up to the day before their 76th birthday. Full medical underwriting will apply.
Can I cover my family members under my policy?
Yes. The persons eligible for cover under your policy are your spouse/partner together with any children under the age of 18, or under the age of 26, if in full-time education.
Can I add a newborn to my policy?
Yes, your child can be added to the policy automatically without medical underwriting if you have been insured with us for six months or more (with the exception of multiple birth babies). Just make sure that you send us your child’s birth certificate within six weeks from birth.
Multiple birth babies born as a result of medically assisted reproduction, adopted and fostered children will also be underwritten and if accepted, cover will start from the date of acceptance.
Do you cover health checks?
Yes, our Choice 1 and Connect plans offer health and wellbeing checks, including screenings for the early detection of illness or disease. And because we want to keep you well we don’t apply any deductible or waiting periods for this benefit. You see… we believe prevention is better than cure.
What is a deductible and how is it applied?
A deductible is part of the medical costs that you have to pay. If you choose a deductible among those available (e.g. US$ 750), you will pay your medical bills until you reach that amount – then we will start covering your eligible expenses, according to the terms and conditions of your policy. If you select a deductible, we will apply a discount on your premium.
What is a waiting period?
A waiting period is a period of time starting on your policy commencement date (or effective date if you are a dependant), during which you are not entitled to cover for particular benefits. The Table of Benefits will indicate which benefits are subject to waiting periods.
What happens if I move country?
It is important that you contact us as soon as possible if you change your country of residence. This may impact your cover or premium, even if you are moving home or to a country within your existing area of cover. If you move to a country outside of Latin America or the Caribbean, your existing cover will not be valid and therefore it is very important that you discuss this with us or your broker as early as possible. Please note that cover in some countries is subject to local health insurance restrictions, particularly for residents of that country. It is your responsibility to ensure that your healthcare cover is legally appropriate. If you are in any doubt, please seek independent legal advice as we may no longer be able to provide you with cover. The cover that we provide is not a substitute for local compulsory health insurance.
Which hospitals can I go to?
You can find a provider from our international directory of hospitals, doctors and health practitioners via MyHealth digital services. With a GlobalPass plan you will have access to our global medical network of over 900K medical providers worldwide. Most of them have direct billing arrangement in place, which means we will settle the medical bill directly with the medical provider.
For treatment in the USA, we have established a partnership with Global Excel, offering access to an exclusive network of medical facilities and healthcare providers on a direct billing basis. A full list of providers in this network is available at allianzglobalpass.com. For further information about the conditions that apply to treatment in the USA please consult your Benefit Guide.
Pre-authorisation is required before in-patient treatment, as well as certain other treatments as specified in your Table of Benefits. We will, where possible, try to arrange the direct settlement of your in-patient medical expenses with your medical provider.
What happens if I am outside of my selected area of cover and I need a treatment?
Your policy offers you cover for the emergency treatments outside your area of cover for trips of a maximum period of six weeks. This means that you will be covered for the medical emergencies occurring during business or holiday trips outside your area of cover. Full details are available in our Benefit Guide.
Can I cancel my cover?
You can cancel the contract in relation to all insured people, or only in relation to one or more dependants, within 30 days of receiving the full terms and conditions of your policy or from the start/renewal date of your policy, whichever is later. Please note that you cannot backdate the cancellation of your membership. If you wish to cancel your cover or the cover of a dependant, a ‘Right to change your mind’ form will be included in your Membership Pack, which you will need to complete and return to us.
