Allianz Care Individual Health Insurance

Allianz Worldwide Care is a part of the parent firm Allianz Group, which was founded in 1890. Specialised in offering worldwide health insurance policies, Allianz Worldwide Care goes above and beyond to maintain connections with its customers, making people's lives secure and safe.

Allianz Care offers adaptable and comprehensive health coverage since it is one of the biggest international medical insurance firms in the world. The Allianz Care Individual Health Insurance is one such plan in collaboration with Orient Insurance PJSC, which is adaptable, and a cost-effective expat healthcare insurance for residents of Dubai. In this extensive article, we'll cover all the healthcare insurance plans that come in the ambit of Allianz Care Individual Health Insurance so that you can benefit from the advantages of personalised healthcare protection.

Allianz Care Individual Health Insurance Plans

Allianz Care Individual health insurance comes with a carefully curated range of plans. Let's look at the key coverage features that various plan types offer.

Allianz Care Core Plans

Plan Type	Total Sum Insured	Key Features	Facilities not included
Dubai Elite Individual	$10,500,000	Access to Private Room In-patient/ Day Care facility Oncology treatment inclusive of inpatient, outpatient, and daycare. Treatment of existing chronic illnesses For each member, there is a limit of $ 43,000. Treatment options include inpatient, outpatient, and daycare. Only inpatient and daycare procedures require pre-authorisation. Nursing in an Inpatient Rehabilitation Facility or at home For each member, there is a limit of $ 6000. Immediately or in place of hospitalisation Rehabilitation treatment inclusive of inpatient, outpatient, and daycare. For each member, there is a limit of $ 6,250. Must begin within 14 days of discharge following the end of acute clinical and/or surgical treatment. Routine Maternity Care inclusive of in-patient and out-patient only. 90% reimbursement up to $ 2,750 Preventative Surgery inclusive of inpatient, outpatient, and daycare. For each member, there is a limit of $40,000. Accidental Death Benefits For each member, there is a limit of $14,000. Age between 18 to 70 years Laser eye treatment For each member, there is a limit of $1350.	None
Dubai Prime Individual	$4,000,000	Access to Private Room In-patient/ Day Care facility available Oncology treatment inclusive of inpatient, outpatient, and daycare Treatment of existing chronic illnesses For each member, there is a limit of $43,000. Treatment options include inpatient, outpatient, and daycare. Only inpatient and daycare procedures require pre-authorisation. Nursing in an Inpatient Rehabilitation Facility or home. For each member, there is a limit of $3550. Immediately or in place of hospitalisation. Rehabilitation treatment inclusive of inpatient, outpatient, and daycare. For each member, there is a limit of $3550. Must begin within 14 days of discharge following the end of acute clinical and/or surgical treatment. Routine Maternity Care inclusive of in-patient and out-patient only. 90% reimbursement up to $2,750	Preventative Surgery, Accidental Death Benefits and Laser eye treatment facility not applicable
Dubai Select Individual	$1,750,000	Access to Private Room In-patient/ Day Care facility applicable Oncology treatment inclusive of inpatient, outpatient, and daycare. Treatment of existing chronic illnesses For each member, there is a limit of $43,000. Treatment options include inpatient, outpatient, and daycare. Only inpatient and daycare procedures require pre-authorisation. Nursing in an Inpatient Rehabilitation Facility or home For each member, there is a limit of $3550. Immediately following or in place of hospitalisation. Rehabilitation treatment inclusive of inpatient, outpatient, and daycare. For each member, there is a limit of $2800. Must begin within 14 days of discharge following the cessation of acute clinical and/or surgical treatment. Routine Maternity Care inclusive of in-patient and out-patient only. 90% reimbursement up to $2,750	Preventative Surgery, Accidental Death Benefits and Laser eye treatment facility not applicable

Allianz Care Out-Patient Care Plans

Plan Type	Total Sum Insured	Benefits	Facilities Not Included
Dubai Gold Individual	No Limit	Fees of general healthcare physicians and specialists Medicines on prescription Tests for Diagnosis Prescribed psychotherapy and psychiatry sessions covered up to 30 visits Physiotherapy sessions Limits pertain to physiotherapy as per prescription. Up to five appointments of unprescribed physiotherapy are also covered. A maximum of 12 sessions are initially allowed but this combines both prescribed and unprescribed physiotherapy sessions. Chinese herbal medicine, chiropractic treatment, acupuncture, osteopathy, homoeopathy and podiatry Limit of 12 chiropractic treatment sessions Limit of 12 osteopathic treatment sessions Ayurvedic Treatment Limit of $1000 per person Infertility Treatment (18-month waiting period) Limit of up to $17,000 over a lifetime Health and Wellbeing check-ups facility Limit of $1700 per person Includes physical, cardiovascular and neurological examination and blood tests Also covers bone densitometry tests which should be done every five years. (for women aged 50+)
Dubai Silver Individual	$61,700	Fees of general healthcare physicians and specialists Medicines on prescription Tests for diagnosis Prescribed psychotherapy and psychiatry sessions covered up to 20 visits Physiotherapy sessions Limit pertains to physiotherapy as per prescription. Up to five appointments of unprescribed physiotherapy are also covered. A maximum of 12 sessions are initially allowed but this combines both prescribed and unprescribed physiotherapy sessions. Chinese herbal medicine, chiropractic treatment, acupuncture, osteopathy, homoeopathy and podiatry Limit of 12 chiropractic treatment sessions Limit of 12 osteopathic treatment sessions Ayurvedic Treatment Limit of $850 per person Infertility Treatment (18-month waiting period) Limit of up to $17,000 over a lifetime Health and Wellbeing check-ups Limit of $850 per person Includes physical, cardiovascular and neurological examination and blood tests Also covers bone densitometry tests which should be done every five years (for women aged 50+)
Dubai Pearl Individual	$ 51,000	Fees of general healthcare physicians and specialists Medicines on prescription For each member, there is a limit of $1400. Tests for Diagnosis Psychotherapy and psychiatry sessions covered up to 15 visits. Limit of $2,725 per person Physiotherapy sessions Limit of $4000 per person Limit pertains to physiotherapy as per prescription. Up to five appointments of unprescribed physiotherapy are also covered. A maximum of 12 sessions are initially allowed but this combines both prescribed and unprescribed physiotherapy sessions. Chinese herbal medicine, chiropractic treatment, acupuncture, osteopathy, homoeopathy and podiatry Limit of $1400 per person Limit of 12 chiropractic treatment sessions Limit of 12 osteopathic treatment sessions Ayurvedic Treatment Limit of $700 per person	Infertility Treatment and Health and wellbeing facility not applicable.

Choose Health Insurance Coverage of Your Choice

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7.5MillionHealth Insurance

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15MillionHealth Insurance

All coverage in AED*

Key Features and Benefits of Allianz Care Individual Health Insurance

Here are some of the most prominent features and benefits of the Allianz Care Individual Health Insurance:

Tailored Plans - Depending on your requirements and budget, you can decide the facilities you need coverage for and the extent. You can select the main and outpatient plans and also include optional add-on plans.
Add-On Plans - Allianz Care Individual Health Insurance: These plans include add-on optional plans, which allow for flexibility and customization to improve your coverage. The add-on plans include enhanced maternity, dental, and repatriation coverage.
Worldwide Coverage - The healthcare insurance plan gives worldwide access to coverage. You can get coverage in any nation that is part of your region of coverage. Picking a location you frequently visit or are based in for professional purposes is a smart option.
Extensive Networks - According to your needs, you can choose from a variety of medical networks that Allianz Care offers:
- Comprehensive Network: Comprises all medical professionals in their UAE network.
- Comprehensive Network with CCAD Excluded: This network comprises every medical professional in their UAE network except Cleveland Clinic Abu Dhabi.
- Standard Network: Comprises all medical professionals in their UAE network except hospitals affiliated with the Mediclinic Group, Cleveland Clinic Abu Dhabi, and outpatient care at American Hospital.
- RN Enhanced Network: A list of specific medical providers who offer a complete range of medical services in the UAE
Prompt Claim Settlement - Allianz Care provides a convenient digital experience wherein you can submit and track your claims. The claims are processed swiftly within 48 hours after the submission of the claim. The diagnosis should be included in the claim to get it settled.

Eligibility Criteria for Allianz Care Individual Health Insurance

The requirements for Allianz Care Individual Health Insurance are as follows:

Category	Eligibility Criteria
Age Limit	18 to 99 years
Residence	Dubai

Allianz Care Individual Health Insurance Inclusions

Here is what the Allianz Care Individual health insurance generally covers:

Hospital accommodation, which includes access to private rooms
Inpatient/daycare facility
Outpatient benefits
Oncology treatment
Treatment of pre-existing chronic conditions

Nursing in an Inpatient Rehabilitation Facility or home
Rehabilitation treatment
Routine Maternity Care
Preventative Surgery
Accidental Death Benefits
Laser eye treatment
Alternative therapies which include Chinese herbal medicine, chiropractic treatment, acupuncture, osteopathy, homeopathy and podiatry
Fees of general healthcare physicians and specialists
Medicines on prescription
Tests for diagnosis
Physiotherapy sessions
Ayurvedic Treatment
Infertility Treatment
Health and wellbeing check-ups, such as early disease or sickness detection screenings
Medical evacuation or repatriation of mortal remains

Allianz Care Individual Health Insurance Exclusions

Mentioned below are the illnesses, treatments, procedures, behaviours, or mishaps that Allianz Care Individual health insurance does not cover-

Organ Acquisition
Personality and behavioural disorders such as autism spectrum disorder, conduct disorder, obsessive-compulsive disorder, attention deficit hyperactivity disorder, etc.
Treatments using radioactivity and chemical contamination
Complications brought on by ailments that your plan doesn't cover

Consultations carried out by you or a member of your family
Dental veneers
Conditions regarding developmental delay in children, such as dyslexia
Medical conditions caused by alcoholism or drug addiction, such as dementia or organ failure
Side effects arising from contraception, sterilisation, and sexual dysfunction
Drug therapy that is experimental or not proven
Professional sports-related and self-inflicted injuries
Cosmetic surgeries
Surrogacy and pregnancy termination
Orthomolecular treatment
Treatment outside the coverage area (can only be possible in case of emergencies or if Allianz Care provides authorization)

Conclusion

Allianz Care is your partner in global health for everything from health and life to disability insurance. They assist people in navigating the complicated healthcare system easily and enhancing their quality of life. Allianz Care Individual health insurance provides extensive coverage of the majority of medical treatments, ensuring access to the finest health care.

To know more about Allianz Care Individual Health Insurance plans, browse through the following frequently asked question section.

Frequently Asked Questions

Ans: All treatments that take place when the insured is residing overnight or for an extended length of time at the hospital are covered under in-patient coverage. Outpatient coverage is only applicable when an in-patient plan and an outpatient plan are purchased together. Outpatient care includes fees of doctors, medicines on prescription, etc.

Ans: None of the outpatient policies cover routine dental care. However, you can choose to extend your coverage by adding the dental plan, which is included in optional plans.

Ans: Allianz Care Individual health insurance will provide coverage outside the chosen geographical cover in case of any emergencies. If you are on a brief journey outside of your coverage territory and require an emergency treatment, it will be covered. This can also happen if you are travelling outside of your selected region of coverage but have purchased a plan that does not cover that nation; there is coverage for emergencies in that country, but only for a limited time.

Ans: Yes, blood tests such as liver function tests, full blood count, kidney function tests, biochemistry, lipid profile, and thyroid function tests are all included in health and wellbeing check ups facility under Allianz Care Individual Health Insurance outpatient care plans.