Group Sales - Frequently Asked Questions

1. How many employees do I need to offer group terms?

   Our corporate plans are available for corporate groups of three or more employees.
   
   For groups wishing to get a quote for international health insurance, please visit our Group Insurance area or contact our Sales Support team who will be happy to provide you with a quote based on your requirements.

2. Can I offer different levels of cover within a group?

   Generally, all insured members within a group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support team.

3. Can you tell us which are your most comprehensive plans and which are your entry-level plans?

   Our most comprehensive plans are:
   Premier Core Plan, Out-patient Gold and Dental Plan 1.
   
   Our entry level plans are:
   Essential Core Plan, Out-patient Crystal and Dental Plan 2.
   
   All policies must include a Core Plan. Thereafter, an out-patient, dental and/or repatriation plan can be added.

4. Where can I find the Hospital, Doctor and Health Practitioner Finder?

   This can be found on our website: www.allianzworldwidecare.com. It allows you to search for hospitals, clinics, doctors and specialists on a country by country basis, with the ability to narrow down the search to specific regions and cities. Users can also search under medical practitioner categories, e.g. Internal Medicine, as well as on specialism, e.g. General Surgery, Neurosurgery or Traumatology etc. Members should contact us for pre-authorization in advance of in-patient treatment.
   
   Please note that members are not restricted to using the providers listed in this directory, unless the policy is associated with a specific network of medical providers, in which case this will have been specified at policy inception.

5. If a member is travelling outside of their area of cover, how long are they covered for and what is covered?

   If an ‘Emergency treatment outside area of cover’ benefit has been selected by the company, members will be covered for emergencies only, which occur during business and holiday trips outside of the chosen area of cover (where relevant). Cover is provided up to a maximum period of six weeks per trip within the maximum benefit amount. Members will not be covered for any curative or follow-up non-emergency treatment, even if deemed unable to travel to a country within the geographical area of cover. If members are moving outside the area of cover for more than six weeks, they should contact their company’s Group Scheme Manager.
   
   Not only are members covered in the event of an accident, but they are also covered for the sudden beginning, or worsening, of a severe illness which results in a medical condition that presents an immediate threat to their health. To be considered as emergency treatment, and thus covered under this benefit, please remember that the medical treatment provided by a physician, medical practitioner or specialist should commence within 24 hours of the emergency event.
   
   Charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth are excluded from this benefit.