Allianz Health Insurance Dubai

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Established in February 1890, Allianz SE is one of the oldest financial services companies around the world. It is headquartered in Munich, Germany, and has several subsidiaries operating around the globe. The core of Allianz AE lies in providing insurance products and asset management services to both individuals and businesses. Allianz Care is one such subsidiary that deals with the health insurance part of the business and offers multiple kinds of health insurance plans around the world. Allianz Insurance is also the official insurance partner of all Olympic and Paralympic sports and events from the year 2021 to 2028. Allianz medical insurance is one of the most preferred and leading Health insurance providers in the UAE.

Features and Benefits of Allianz Medical Insurance Plans

  • Multiple Plan Levels: The Allianz health insurance UAE plans are divided into three main categories – Dubai, Abu Dhabi, and the Northern Emirates. Allianz health insurance UAE plans are divided into several categories and then classified as per their benefit levels. Each emirate gets a specialized kind of plan, designed to meet its unique requirement.   
  • Healthcare for All: Whether you are an individual seeking a health insurance plan for yourself or a breadwinner with a family depending on you, Allianz health insurance has ideal plans for all. You can easily choose the coverage that suits you best from the ocean-wide options available for you.
  • Worldwide Coverage: Allianz medical insurance UAE provides worldwide coverage with an option to include or exclude the USA from the cover. You can pick a geographical lane as per your work and travel requirements.
  • Quality Health Benefits: Being one of the most trusted health insurance providers around the world, Allianz health insurance UAE ensures that health insurance benefits offered to the customers are ideally catered to their needs and the unique requirements of their regions as well.
  • Global Standard of Healthcare Services: Being an international financial service and insurance provider, Allianz health insurance UAE offers health insurance plans that are ideally in sync with the global healthcare services standards.
  • 24x7 Customer Support: You can rely on easily finding 24x7 healthcare support and insurance services from Allianz insurance.
  • Multiple Hospital Networks: Allianz medical insurance UAE uses three different health facilities networks in the UAE. These networks are added to each plan as per their benefits and service levels.

Allianz Individual Health Insurance Plans for Dubai

Allianz health insurance Dubai comes with three core plans – Premier, Classic, and Select. These plans contain a comprehensive range of in-patient and day-patient services and can be chosen as per the requirement of the individuals. Let’s examine the main benefits of each Allianz health insurance Dubai plan properly:

Dubai Premier Individual

  • The Maximum assured sum for the Allianz health insurance Dubai Premier plan is USD 10,500,000.
  • It covers hospital accommodations for private rooms as an in-patient benefit.
  • Emergency medical treatment services from outside the network are covered for 42 days of hospitalization and related services.
  • Further in-patient benefits include intensive care, prescription drugs, diagnostic tests, and radiology tests, and surgical fees such as anesthetics.
  • Also includes daycare charges and organ transplant as fully-covered benefits.
  • Psychiatry and psychotherapy services are also included after a waiting period of 10 months.
  • Kidney dialysis services and outpatient surgery are also included in the Allianz health insurance Dubai Premier plan.
  • Home nursing cover of USD 6,000 and rehabilitation cover of USD 6250.
  • Medical evacuation is covered in full along with the expenses of one person who accompanies the injured/sick person. The accompanying person expenses cover limit is USD 4250.
  • Repatriation of the remains is covered along with the travel cost of the family members.
  • Travel cost of family members in case of medical evacuation is covered by Allianz health insurance Dubai Premier plan.
  • Additional unique inclusions are preventive surgery, laser eye treatment, and accidental death benefit.
  • Maternity benefits of the Allianz health insurance Dubai Premier plan include:
    • Standard maternity benefit covered fully inclusive of routine delivery, and complications during childbirth.
    • Enhanced maternity with 10% co-payment. It includes routine and complicated deliveries, emergency treatment, home delivery, antenatal care, and newborn care.

Dubai Classic Individual

  • Allianz health insurance Dubai Classic plan comes with a maximum assured sum of USD 1,600,000.
  • The plan includes hospital accommodation expenses for private rooms in full up to the assured sum limit of the plan.
  • The Allianz health insurance Dubai Classic plan covers all emergency out-patient services for 42 days.
  • Other in-patient benefits of this plan include prescription drugs, diagnostic tests intensive care, radiology tests, and additional surgical expenses such as anesthetics.
  • Fully covers the expenses for daycare services and organ transplants.
  • Psychiatry and psychotherapy of the Allianz health insurance Dubai Classic plan come with a waiting period of 10 months and a limit of USD 18,000.
  • Additional inclusions include kidney dialysis and a few outpatient services as well.
  • Home nursing cover of USD 3550 and rehabilitation cover of USD 3550.
  • The Allianz health insurance Dubai Classic plan covers medical evacuation in full along with travel expenses of one person accompanying the injured. The accompanying person expenses cover limit is USD 4250.
  • Travel cost of family members in case of medical evacuation is covered by Allianz health insurance Dubai Premier plan.
  • A cover of USD 14000 for repatriation of the remains and travel cost of the family.  
  • Allianz health insurance Dubai Classic plan maternity benefits include:
    • Standard maternity cover inclusive of routine normal delivery expenses and complication deliveries.
    • Enhanced maternity with 10% co-payment. It includes an enhanced routine delivery benefit of USD 2900 and complicated deliveries benefit of 30,000 along with emergency treatment, antenatal care, and newborn care.

Dubai Select Individual

  • This is the basic level plan designed for Dubai ex-pats, residents, and nationals.
  • The Allianz health insurance Dubai Select plan has a maximum assured sum limit of USD 1,060,000.
  • It covers the complete cost of hospital accommodation expenses up to the assured limit of the plan.
  • Just like the other two plans, the Allianz health insurance Dubai Select plan covers emergency medical treatment services from outside the network for 42 days of hospitalization and related services.
  • Other in-patient benefits of the plan are intensive care, surgical fees, diagnostic tests, prescription drugs, radiology tests, and surgical fees.
  • Daycare charges and organ transplants are included in the Allianz health insurance Dubai Select plan as fully-covered benefits.
  • Psychiatry and psychotherapy services are also included after a waiting period of 10 months up to USD 14,000.
  • Out-patient surgery and kidney dialysis are also included in the Allianz health insurance Dubai Select plan.
  • The home nursing cover benefit of USD 3550 and rehabilitation cover of USD 3550.
  • Complete medical evacuation cover benefit along with travel expenses cover for one companion for the medically ill person of up to USD 4250.
  • Repatriation of the remains benefit and travel expense benefit for the family members.
  • Travel cost of family members in case of medical evacuation is covered by Allianz health insurance Dubai Premier plan.
  • Maternity benefits of the Allianz health insurance Dubai Premier plan include:
    • Standard maternity benefit inclusive of normal and complication delivery benefit cover.

Allianz Corporate Group Health Insurance Plans

The group insurance plans offered by Allianz medical insurance are divided into two groups – Abu Dhabi and Dubai. There are two different plans available for corporate offices located in Abu Dhabi and four variants for Dubai-based companies. Let’s examine some of the main benefits for all these Allianz medical insurance corporate plans:

Group Insurance Plans for Abu Dhabi

AD Direct and AD Direct Plus

  • Includes USD 10,500,000 and USD 1,060,000 assured limit for AD Direct Plus and AD Direct plan respectively.
  • In-patient benefits like hospital accommodation, intensive care, prescription drugs, and diagnostic tests are covered.
  • Consultations and physical therapy, psychiatry and psychotherapy, accommodation cost for accompanying person at the hospital for minors, and emergency in-patient dental cover.
  • Other core benefits of the plan include rehabilitation therapy and ambulance services.
  • Abu Dhabi special plans from Allianz health insurance UAE also include all basic maternity benefits, long-term care benefits, and palliative care benefits.
  • Special benefits for these plans include an employee assistance program, travel security, and My Health Digital services.

Group Insurance Plans for Dubai

Premier Direct, Executive Direct, Classic Direct, and Select Direct

  • Allianz health insurance Dubai group insurance plans come in four variants – Premier Direct, Executive Direct, Classic Direct, and Select Direct.
  • The assured sum amounts for the Premier Direct, Executive Direct, Classic Direct, and Select Direct Allianz medical insurance corporate plans are USD 10,500,000, USD 2,100,000 USD 1,600,000, and USD 1,060,000 respectively.
  • It includes in-patient benefits such as hospital accommodation, intensive care, organ transplant, and hospital accommodation of guardians for children under 18.
  • The Allianz medical insurance corporate plans include prescription drug benefits cover, diagnostic tests cover, and wellness therapy covers such as Psychiatry and psychotherapy.
  • Emergency in-patient dental and physician visits are also covered.
  • Additional benefits like day-care treatment, kidney dialysis, home nursing, and rehabilitation services are also covered under Allianz medical insurance corporate plans.
  • Some more core plan benefits of the Allianz medical insurance corporate plans include local ambulance, emergency medical treatment, out-patient surgery, radiology tests, and long-term care.
  • Allianz health insurance Dubai Premier Direct plan includes a special accidental death benefit as well.
  • Maternity care is included as a base benefit in the Allianz medical insurance corporate plans. It includes normal delivery, delivery with complications, and an in-patient cash benefit of USD 215 for 25 nights.
  • Allianz health insurance Dubai Premier Direct plan includes an additional home delivery benefit under the maternity care benefit.
  • Additional basic benefits for the employees in the Allianz medical insurance corporate plans are an employee assistance program and travel security services.
  • Repatriation and medical evacuation benefit for the plan holder as well as travel expenses benefit for the family members accompanying.

The Allianz medical insurance corporate core plans can also be combined with optional outpatient plans available in three variants – Gold Direct, Silver Direct, and Pearl Direct. The benefits are the same as those provided for the individual healthcare out-patient plans. Apart from the optional outpatient plans, you can also get optional dental care plans and repatriation plans with comprehensive coverage. Optional dental plans from Allianz health insurance Dubai are available in two variants – ME Dental 1 and ME Dental 2.

Optional Allianz Medical Insurance UAE Plans

Allianz medical insurance also offers several optional health insurance plans – out-patient benefit plans, dental plans, and repatriation plans. These plans can be added with both individual and group insurance plans offered by Allianz medical insurance.

Out-Patient Allianz Medical Insurance UAE Plans

There are three kinds of outpatient plans that you can opt for as an optional choice with the core plans. let’s examine the benefits offered in each of these plans:

  • Allianz health insurance Dubai out-patient plans include three variants – Gold, Silver, and Pearl. Gold is the most comprehensive plan while silver and pearl are basic variants.
  • Most services included in this plan are subjected to pre-authorization. So, make sure you have obtained that before setting out to avail of these healthcare services.
  • The medical practitioner fee is covered in full for the plan holders along with video consultation fees.
  • Specialist visits are also covered in this outpatient plan.
  • Further out-patient benefits include prescription drug diagnostic tests and vaccinations.
  • Chiropractic treatment and alternative medicine include for the full cost.
  • Doctor-prescribed physiotherapy sessions.
  • Doctor prescribed speech therapy and other occupational therapy.
  • General health and wellness session benefit for Gold and Silver variants, including doctor visits, general consultations, blood tests, cancer screening, etc.
  • Preventive diagnostic test services for diabetes.
  • Infertility treatment benefits with a waiting period of 18 months.
  • Psychiatry and psychotherapy sessions benefit cover.
  • Additional benefits can include dietician fees (Gold), medically prescribed aids, glasses and contacts, and prescription drugs (Gold).

Optional Dental Insurance Plans

  • Available in two variants to be added with both individual and group insurance plans.
  • The core benefits of these plans include dental treatments, dental surgeries, and periodontics.
  • Orthodontic treatment and dental prostheses are also covered with a 65% and 50% cover limit for Dubai Individual Dental 1 and Dubai Individual Dental 2, respectively. A waiting period of 10 months applies here.

Repatriation Add-on Plan

  • The plan includes medical repatriation expenses in cases you require treatment in your home country for any reason at all.
  • Covers the travel expenses of the accompanying travel companion of the injured/sick.
  • Travel cost of the family members.
  • Travel cost to come to visit a family member who has met their demise while traveling.

Allianz Health Insurance Claim Process

Allianz medical insurance UAE claims can be submitted using their online portal with ease. Claim submissions containing all the necessary information about the injury/diseases and doctor’s diagnosis can be processed within 48 hours. If important information about diagnosis is missing, processing can take a little while.

Claims shall be submitted separately for all insured members of a plan and each medical condition. Reimbursement claims will require submitting a scanned copy of all the important documents. However, Allianz medical insurance UAE requires you to keep the original invoice, medical diagnosis reports, test reports, and other related claim documents safe for at least 12 months after claim processing.

Accidental death claims need to be filed within 90 days after the death date of the insured person. Death certificate, medical certificate, beneficiary identity proof, and documents to prove the family status of the insured are required.