Allianz Care Care

Type of plan
Care
Maximum coverage per insured
US$2,500,000
Age limit to apply
75
Waiting period
Not specified
Coverage outside USA
They offer a choice of three different geographical areas of cover:
• Worlwide
• Worldwide excluding USA
• Africa only

The cost of the cover will go up or down depending on which region cover you choose
Coverage inside USA
Coverage is given if worldwide area of cover is selected
Inpatient Benefits
Standard private hospital room
100% requires pre-approval
Special benefit for suite
N/A
Intensive care unit
100% requires pre-approval
Adult companion accommodation during a hospitalization
Related to a hospitalization of an insured under age 18
• 100% requires pre-approval
Prescribed medications while hospitalized
100% including materials, inpatient and day-care treatment only, requires pre-approval
Psychiatric treatments
Psychiatry and psychotherapy
• 100% inpatient and day-care treatment only, requires pre-approval
Outpatient Benefits
Emergency room
N/A
Physician and specialist visits
Outpatient plan Active (up to US$6,750) can be purchased and offer:

Video consultations services at 100%

Medical Practitiones fees:
• US$675 in Active plan

Specialist fees:
• 80% refund in Active plan
Physician and specialist home visits
Covered if necessary after the sudden onset of an acute illness that leaves the insured incapable of visiting your doctor or therapist
Prescribed medications
Outpatient plan Active (up to US$6,750) can be purchased and offer:

• US$270 in Active plan

Post-hospitalization treatment, covered when it is needed in the 90 days following discharge from inpatient or day-care treatment for the same acute medical condition
• 100%
Complementary therapy
The next outpatient benefits plan, which include prescribed speech therapy and occupational therapy can be purchased:
• Active, up to US$675
Nurse care at home
At home or in a convalescent home
• US$2,025 requires pre-approval
Preventive health checkup
The next outpatient benefits plan, which include prescribed speech therapy and occupational therapy can be purchased:
• Active, up to US$675
Hearing aids
N/A
Alzheimer’s disease
Not specified
Autism
Not specified
Outpatient surgery
100% requires pre-approval
Hormone replacement therapy to relieve the symptoms of menopause
Not specified
General Benefits
Surgeon and anesthesiologist fees
100% including surgical appliances and materials, requires pre-approval
Diagnostic study services
• 100% inpatient and day-care treatment only, requires pre-approval
• 100% for pre-operative tests are covered when they are needed in the 72 hours before inpatient or day-care treatment
• 100% for CT and MRI scans, inpatient and outpatient treatment
• 100% for PET and CT-PET scans, inpatient and outpatient treatment, requires pre-approval

The next outpatient benefits plan, which include outpatient tests can be purchased:
• Active, up to US$6,750
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
100% for inpatient, day-care and outpatient treatment, requires pre-approval

Wig, prosthetic bra or other external prosthetic device for cosmetic purposes
• US$270
Dialysis
100% requires pre-approval
Prophylactic surgery to reduce the risk of cancer
N/A
Prostheses and medical appliances implanted during surgery
Not specified
Organ and tissue transplant
100% requires pre-approval
Benefits for live donors
Not specified
Durable medical equipment
N/A
Allergy treatments
Not specified
Physical therapy and rehabilitation
Rehabilitation treatment, inpatient, day-care and outpatient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases
• US$2,700

The next outpatient benefits plan, which include prescribed physiotherapy can be purchased:
• Active, up to US$675

For non-prescribed physiotherapy the limit will be 5 visits
Specialized treatments
Drug and alcohol addiction treatment, for dependent children
• US$1,350 after a 10-month waiting period

The next outpatient benefits plan, which include chiropractic treatment, osteopathy, homeopathy, chinese herbal medicine, acupuncture and podiatry can be purchased:
• Active, up to US$405

Up to 12 sessions per condition for chiropractic treatment and up to 12 sessions per condition for osteopathic treatment
Congenital conditions diagnosed before age 18
Not specified
Congenital conditions diagnosed after age 18
Not specified
HIV-AIDS
N/A
Surgical treatment of symptomatic foot disorders
Not specified
Bariatric surgery
N/A
Psychology
Not specified
Mental health prescription medication
Not specified
Maternity Benefits
Maternity
N/A
Maternity and birth complications
N/A
Inclusion of the newborn
N/A
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
N/A
Medical Evacuation Benefits
Emergency transportation by ground ambulance
100% for local ambulance only
Emergency transportation by air ambulance
Repatriation benefits plan can be purchased and offer:

• Medical repatriation:
- Where the necessary treatment is not available locally, you can choose to be medically repatriated to your home
country instead of to the nearest appropriate medical centre. This benefit only applies when your home country is
within your area of cover
- Where ongoing treatment is required, we will cover hotel accommodation costs
- Repatriation in the event of unavailability of adequately screened blood
- If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care,
we will cover hotel accommodation costs, up to 7 days

• US$4,050 for expenses for one person accompanying a repatriated person

• US$2,700 for travel costs of insured family members in the event of a repatriation

• US$2,025 for travel costs of insured members to be with a family member who is at peril of death or who has died
Insured’s and companion’s return ticket after an evacuation by air ambulance
Included if the repatriation plan is purchased
Repatriation of mortal remains
US$13,500 requires pre-approval
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
Not specified
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
Emergency inpatient dental treatment
• 100%
Reconstructive surgery after an accident or illness
Covered if it's an approved gender dysphoria and reconstructive surgery necessary to restore function or appearance after a disfiguring accident or as a result of surgery for cancer, if the accident or surgery occurs during the period of cover
Refractive eye surgery
N/A
Palliative care for terminal cases
100% requires pre-approval

Long term care
• 100% up to 90 days, per lifetime
Temporary coverage for accidents while application is being underwritten
Not specified
Free extended coverage for eligible dependents after policyholder’s death
Not specified
Free coverage for dependents
Not specified
Elimination/reduction of deductible for no claims made or not having met the deductible
Not specified
Deductible elimination
Not specified
Second medical opinion
Included
Prosthetic limbs
N/A
Routine and major dental treatment
N/A
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
Not specified
Catastrophic and unusual conditions
Not specified
Medical emergency
100% requires pre-approval
Illness or injury in private aircraft
Not specified
Contraceptive treatments
Not specified
Patient concierge services
Expat Assistance Programme, 24/7 multilingual helpline and emergency assistance services as
• Confidential, professional counselling (in-person, phone, video and chat)
• Legal and financial support services
• Critical incident support
• Wellness website access

Fitness assessment for policyholder and their partner
• US$70 after a 10-month wairting period

Olive, Health & Wellness support program includes
• HealthSteps fitness app
• Access to wellness resources

Digital Health App
• US$70 reimbursement for one digital health app for the prevention, detection and management of a disease or condition

MyHealth Digital Services
• Manage your cover online with our app or portal anytime, anywhere
• Submit and track progress of claims
• Access your policy documents, health services, payment details and more
Travel assistance
Travel security services, offers 24/7 access to personal security information and advice for all your travel safety queries
• Emergency Security Assistance Hotline, not a free phone number
• Country intelligence and security advice
• Daily security news updates and travel safety alerts

Emergency treatment outside area of cover
• 100% up to 42 days, for trips of a maximum period of six weeks
Hospital cash benefit
Where treatment has been received free of charge
• US$205 per night, up to 25 nights
Optional additional benefits
Evacuation to country of choice, country of residence or home country
A repatriation plan can be purchased
Non-emergency evacuation
100%
Pre-existing conditions waiting period waiver
Not specified