International Healthcare Plans

Transcription

1 International Healthcare Plans 1

2 Who we are page 3 Underwriting page 4. What we offer to you page 4 How to create your plan page 5 Table of Benefits page 6 Our member services page 12 Our claims process page 14 How to apply page 15 Frequently asked questions page 17 A truly global company... Fully completed Claim Forms processed in 48 hours 24/7 multilingual Helpline and Emergency Assistance Service Client-centric culture with investment in people 60 different nationalities employed Helpline calls answered within 7 seconds (2013 average) 2 Allianz Worldwide Care SA, acting through its Irish Branch, is a limited company governed by the French Insurance Code. Registered in France: No RCS Paris. Irish Branch registered in the Irish Companies Registration Office, registered No.: , address: 15 Joyce Way, Park West Business Campus, Nangor Road, Dublin 12, Ireland.

3 ..with a truly global solution. Global medical network Local and partner offices Doctors and network managers Sales representatives Who we are Allianz Worldwide Care provides insurance solutions for health, life and disability on a global scale. We are the international health division of Allianz Worldwide Partners and part of the Allianz Group. Our focus is on earning and maintaining client loyalty through superior customer service. From the design of our market leading health insurance products, to arranging treatment for our members, every step of the client s experience has been carefully considered to ensure they receive an unparalleled level of service. This is why each year, 95% of our clients, many of whom are Fortune Global 500 companies, choose to renew with us. 95% client retention rate We believe that the best way to meet and surpass the expectations of our clients is to ensure that each and every member of our team shares this client centric ethos. This begins at the recruitment stage, where team members are carefully selected, and it is complemented by the continuous training and development of our staff. In recognition of this commitment, we have recently been awarded the Excellence Through People Standard ISO 1000:2012 for Human Resource Management. 3

4 Underwriting If you are concerned about pre-existing or chronic conditions in your or your family s medical history, we can provide cover for the vast majority of these conditions. This may involve the inclusion of a surcharge; however, it is worth noting that on average, 70% of applications received are accepted for cover at standard rates, with no additional costs. If we need to apply a surcharge, we can offer the choice of opting for cover with a surcharge or having the condition(s) excluded from cover. Examples of pre-existing/chronic conditions we may cover include: Allergic rhinitis Asthma Epilepsy Gastritis Gout Hypercholesterol Hypertension Overweight/Underweight Prostatitis Thyroid disorders What we offer to you: 24/7 multilingual Helpline and Emergency Assistance Service Policy documents and website available in English, German, French, Spanish, Italian and Portuguese MyHealth app for quick & easy claims submission Freedom to choose your preferred doctors and hospitals Free MediLine medical advice service Locally assisted medical evacuation and repatriation Direct settlement for in-patient treatment Sophisticated range of Online Services 4

5 How to create your plan We offer flexible cover solutions through a range of modular plans. You can choose the combination of cover that best suits your needs. Select a Core Plan Step 1 Step 2 Step 3 Premier, Club, Classic or Essential We offer four different Core Plans to choose from: Premier, Club, Classic and Essential, each providing a different level of cover (please see the Table of Benefits on page 6 for more details). Our Core Plans cover a wide range of in-patient and day-care treatments as well as other benefits such as medical evacuation, nursing at home and rehabilitation treatment. + Optional Core Plan deductible At this stage, if you wish to reduce the cost of your Core Plan, you can also select a Core Plan deductible and we will apply a discount to your premium. Select an Out-patient Plan* Gold, Silver, Bronze or Crystal Once you have selected your Core Plan, you can add an optional Out-patient Plan. We offer four different Out-patient Plans: Gold, Silver, Bronze and Crystal, each offering different levels of reimbursements for your out-patient costs. + Optional Out-patient Plan deductible Providing you have not selected a Core Plan deductible at Step 1, you may select an Out-patient Plan deductible; thereby reducing your Out-patient Plan premium. Please note that you can t select both a Core Plan and an Out-patient Plan deductible. Choose your additional plans* In addition to our Core and Out-patient plans, we also offer a selection of additional plans. You can further extend your cover by selecting from our Maternity Plans, Dental Plans and our Repatriation Plan. Maternity Plan Premier or Club Dental Plan Dental 1 or Dental 2 Repatriation Plan Step 4 Choose your area of cover Select your area of cover. We offer a choice of three different geographical areas of cover: Worldwide, Worldwide excluding USA and Africa only. *Certain plans can only be selected in conjunction with other specific plans. Please refer to the Table of Benefits (pages 6-10) for full details. 5

6 Table of Benefits Valid from 1st November 2014 Step 1 Select a Core Plan Please note that some benefits are subject to Treatment Guarantee. Please see the Table of Benefits Notes section for further details on Treatment Guarantee. Core Plans Core Plan Benefits Premier Club Classic Essential Individual Individual Individual Individual Maximum plan benefit GBP ( ) 1,867,500 1,245, , ,000 Maximum plan benefit EUR ( ) 2,250,000 1,500,000 1,125, ,000 Maximum plan benefit USD ($) $3,037,500 $2,025,000 $1,518,750 $675,000 Maximum plan benefit CHF CHF2,925,000 CHF1,950,000 CHF1,462,500 CHF650,000 In-patient benefits¹ - please refer to page 10 for more information on Treatment Guarantee Hospital accommodation 1 Private room Private room Private room Semi-private room Intensive care 1 Full refund Full refund Full refund Full refund Prescription drugs and materials 1 Full refund Full refund Full refund Full refund (in-patient and day-care treatment only) Surgical fees, including anaesthesia and theatre charges 1 Full refund Full refund Full refund Full refund Physician and therapist fees 1 Full refund Full refund Full refund Full refund (in-patient and day-care treatment only) Surgical appliances and prostheses 1 Full refund Full refund Full refund Full refund Diagnostic tests 1 Full refund Full refund Full refund Full refund (in-patient and day-care treatment only) Organ transplant 1 Full refund Full refund Full refund 8,300/ 10,000/ $13,500/CHF13,000 Psychiatry and psychotherapy 1 Full refund 4,980/ 6,000/ 4,150/ 5,000/ 4,150/ 5,000/ (in-patient and day-care treatment only) $8,100/CHF7,800 $6,750/CHF6,500 $6,750/CHF6,500 (10 month waiting period applies) Accommodation costs for one parent staying in hospital with an Full refund Full refund Full refund Full refund insured child under 18 1 Emergency in-patient dental treatment Full refund Full refund Full refund Full refund Other benefits - please refer to page 10 for more information on Treatment Guarantee Day-care treatment 2 Full refund Full refund Full refund Full refund Kidney dialysis 2 Full refund Full refund Full refund Full refund Out-patient surgery 2 Full refund Full refund Full refund Full refund Nursing at home or in a convalescent home 2 3,525/ 4,250/ 2,350/ 2,830/ 2,075/ 2,500/ 2,075/ 2,500/ (immediately after or instead of hospitalisation) $5,740/CHF5,525 $3,820/CHF3,680 $3,375/CHF3,250 $3,375/CHF3,250 Rehabilitation treatment 2 3,670/ 4,420/ 2,490/ 3,000/ 2,075/ 2,500/ 1,660/ 2,000/ (in-patient, day-care and out-patient treatment; must commence within 14 $5,970/CHF5,750 $4,050/CHF3,900 $3,375/CHF3,250 $2,700/CHF2,600 days of discharge after the acute medical and/or surgical treatment ceases) Local ambulance Full refund Full refund Full refund 415/ 500/ $675/CHF650 Emergency treatment outside area of cover Full refund, Full refund, Full refund, Up to 8,300/ 10,000/ (for trips of a maximum period of six weeks) max. 42 days max. 42 days max. 42 days $13,500/CHF13,000, max. 42 days Medical evacuation 2 Where necessary treatment is not available locally, we will evacuate Full refund Full refund Full refund Full refund the insured person to the nearest appropriate medical centre² Where ongoing treatment is required, we will cover hotel Full refund Full refund Full refund Full refund accommodation costs² Evacuation in the event of unavailability of adequately screened blood² Full refund Full refund Full refund Full refund If medical necessity prevents an immediate return trip following discharge Full refund, Full refund, Full refund, Full refund, from an in-patient episode of care, we will cover hotel accommodation costs² max.7 days max.7 days max.7 days max.7 days 6

7 Core Plan Benefits (continued) Premier Club Classic Essential Individual Individual Individual Individual Expenses for one person accompanying an evacuated person 2 2,490/ 3,000/ 2,490/ 3,000/ 2,490/ 3,000/ 2,490/ 3,000/ $4,050/CHF3,900 $4,050/CHF3,900 $4,050/CHF3,900 $4,050/CHF3,900 Travel costs of insured family members in the event of an evacuation 2 1,660/ 2,000/ 1,660/ 2,000/ 1,660/ 2,000/ 1,660/ 2,000/ $2,700/CHF2,600, $2,700/CHF2,600, $2,700/CHF2,600, $2,700/CHF2,600, per event per event per event per event Repatriation of mortal remains 2 8,300/ 10,000/ 8,300/ 10,000/ 8,300/ 10,000/ 8,300/ 10,000/ $13,500/CHF13,000 $13,500/CHF13,000 $13,500/CHF13,000 $13,500/CHF13,000 Travel costs of insured family members in the event of the 1,660/ 2,000/ 1,660/ 2,000/ 1,660/ 2,000/ 1,660/ 2,000/ repatriation of mortal remains 2 $2,700/CHF2,600, $2,700/CHF2,600, $2,700/CHF2,600, $2,700/CHF2,600, per event per event per event per event CT and MRI scans Full refund Full refund Full refund Full refund (in-patient and out-patient treatment) PET 2 and CT-PET 2 scans Full refund Full refund Full refund Full refund (in-patient and out-patient treatment) Oncology 2 Full refund Full refund Full refund Full refund (in-patient, day-care and out-patient treatment) Complications of pregnancy 2 Full refund Full refund Full refund N/A (in-patient and out-patient treatment) (10 month waiting period applies) Laser eye treatment 830/ 1,000/ 415/ 500/ N/A N/A (limited to one treatment per lifetime) $1,350/CHF1,300, $675/CHF650, per lifetime per lifetime In-patient cash benefit (per night) 125/ 150/ 125/ 150/ 125/ 150/ 125/ 150/ (where treatment has been received free of charge) $205/ CHF195, $205/ CHF195, $205/ CHF195, $205/ CHF195, max. 25 nights max. 25 nights max. 25 nights max. 25 nights Emergency out-patient treatment 625/ 750/ 625/ 750/ 625/ 750/ N/A (where these benefit amounts are reached, any additional costs may be $1,015/CHF975 $1,015/CHF975 $1,015/CHF975 reimbursed within the terms of any separate Out-patient Plan) Emergency out-patient dental treatment 625/ 750/ 415/ 500/ N/A N/A (where these benefit amounts are reached, any additional costs may be $1,015/CHF975 $675/CHF650 reimbursed within the terms of any separate Dental Plan) Palliative care 2 Full refund Full refund Full refund Full refund Long term care 2 Full refund, Full refund, Full refund, Full refund, max. 90 days max. 90 days max. 90 days max. 90 days per lifetime per lifetime per lifetime per lifetime Accidental death 8,300/ 10,000/ N/A N/A N/A (insured members aged 18 to 70) $13,500/CHF13,000 Core Plan Deductibles To reduce your Core Plan premium, simply select an optional deductible from the list below and read across to find the relevant premium discount. The level of discount will depend on whether you have selected a Maternity Plan. Please note that either a Core Plan deductible OR an Out-patient Plan deductible can be chosen (details follow). Where a deductible is selected it is payable per person, per Insurance Year. Also, our premiums are expressed in whole numbers (i.e. without any cents or pence etc.), therefore, percentages may be slightly higher or lower than those stated below. Optional Core Plan Deductibles Discount if a Maternity Plan is Not Discount if a Maternity Plan is Included in Your Cover Included in Your Cover No deductible 0% premium discount 0% premium discount 374/ 450/$610/CHF585 deductible 5% premium discount 2.5% premium discount 625/ 750/$1,015/CHF975 deductible 10% premium discount 5% premium discount 1,245/ 1,500/$2,025/CHF1,950 deductible 20% premium discount 10% premium discount 2,490/ 3,000/$4,050/CHF3,900 deductible 35% premium discount 17.5% premium discount 4,980/ 6,000/$8,100/CHF7,800 deductible 50% premium discount 25% premium discount 8,300/ 10,000/$13,500/CHF13,000 deductible 60% premium discount 30% premium discount 7

8 OPTIONAL Step 2 Select an Out-patient Plan The following Out-patient Plans can be purchased with any of our Core Plans. They cannot be bought separately. Out-patient Plan Benefits Gold Silver Bronze Crystal Individual Individual Individual Individual Maximum plan benefit No limit 9,960/ 12,000/ 6,640/ 8,000/ 3,735/ 4,500/ $16,200/CHF15,600 $10,800/CHF10,400 $6,075/CHF5,850 Medical practitioner fees and prescription drugs Full refund Full refund 830/ 1,000/ 830/ 1,000/ $1,350/CHF1,300 $1,350/CHF1,300 Specialist fees Full refund Full refund Full refund Full refund Diagnostic tests Full refund Full refund Full refund Full refund Vaccinations Full refund Full refund Full refund N/A Chiropractic treatment, osteopathy, homeopathy, Chinese herbal Full refund Full refund 934/ 1,125/ 415/ 500/ medicine and acupuncture $1,520/CHF1,463 $675/CHF650 (max. 12 sessions per condition for chiropractic treatment and max. 12 sessions per condition for osteopathic treatment, subject to the benefit limit) Prescribed physiotherapy Full refund Full refund 934/ 1,125/ 415/ 500/ (initially limited to 12 sessions per condition; limit also applies to prescribed $1,520/CHF1,463 $675/CHF650 and non-prescribed physiotherapy sessions, where combined) - Non-prescribed physiotherapy 5 visits 5 visits 5 visits 5 visits Prescribed speech therapy, oculomotor therapy and Full refund Full refund 934/ 1,125/ 415/ 500/ occupational therapy 2 $1,520/CHF1,463 $675/CHF650 Health and wellbeing checks including screening for the early 665/ 800/ 498/ 600/ N/A N/A detection of illness or disease $1,080/CHF1,040 $810/CHF780 Checks are limited to: Physical examination Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test) Cardiovascular examination (physical examination, electrocardiogram, blood pressure) Neurological examination (physical examination) Cancer screening - Annual pap smear - Mammogram (every two years for women aged 45+, or earlier where a family history exists) - Prostate screening (yearly for men aged 50+, or earlier where a family history exists) - Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists) - Annual faecal occult blood test Bone densitometry (every five years for women aged 50+) Well child test (for children up to the age of six years, up to a maximum of 15 visits per lifetime) BRCA1 and BRCA2 genetic test (where a direct family history exists; N/A N/A N/A Gold Individual Plan only) Infertility treatment 9,960/ 12,000/ 9,960/ 12,000/ N/A N/A (18 month waiting period applies) $16,200/CHF15,600, $16,200/CHF15,600, per lifetime per lifetime Psychiatry and psychotherapy 30 visits 20 visits N/A N/A (18 month waiting period applies) Prescribed medical aids Full refund 2,075/ 2,500/ N/A N/A $3,375/CHF3,250 Prescribed glasses and contact lenses including eye examination 165/ 200/ 149/ 180/ N/A N/A $270/CHF260 $245/CHF234 Dietician fees 4 visits N/A N/A N/A Prescribed drugs 42/ 50/ N/A N/A N/A (must be prescribed by a physician, although a prescription is not legally $70/CHF 65 required for purchase) Out-patient Plan Deductibles To reduce your Out-patient Plan premium, simply select an optional deductible from the list below and read across to find the relevant premium discount. Please note that either an Out-patient Plan deductible OR a Core Plan deductible can be chosen. Where a deductible is selected it is payable per person, per Insurance Year. Also, our premiums are expressed in whole numbers (i.e. without any cents or pence etc.), therefore, percentages may be slightly higher or lower than those stated below. Optional Out-patient Plan Deductibles No deductible 83/ 100/$135/CHF130 deductible 165/ 200/$270/CHF260 deductible Discount 0% premium discount 10% premium discount 20% premium discount 8

9 OPTIONAL Step 3 Choose your additional plans Maternity Plans The Premier Maternity Plan can only be purchased with the Premier Individual Core Plan. The Club Maternity Plan can only be purchased with the Club Individual Core Plan. Please note that an Out-patient Plan must be selected in conjunction with a Maternity Plan. Maternity Plans are available to couples and families i.e. a spouse/partner must also be insured under the policy. Maternity Plan Benefits Premier Maternity Club Maternity Routine maternity 2 6,225/ 7,500/$10,125/CHF9,750, 4,150/ 5,000/$6,750/CHF6,500, (in-patient and out-patient treatment) per pregnancy per pregnancy (10 month waiting period applies) Complications of childbirth 2 12,450/ 15,000/$20,250/CHF19,500, 8,300/ 10,000/$13,500/CHF13,000, (in-patient treatment) per pregnancy per pregnancy (10 month waiting period applies) Dental Plans Dental Plan 1 can only be purchased if both the Premier Individual Core Plan and Gold Individual Out-patient Plan have been selected. Dental Plan 2 can be purchased with any of the Core Plans. Neither Dental Plan can be bought separately. Dental Plan Benefits Dental 1 Dental 2 Maximum plan benefit No limit 1,700/ 2,050/$2,770/CHF2,665 Dental treatment 100% refund 80% refund Dental surgery 100% refund 80% refund Periodontics 80% refund 80% refund Orthodontic treatment and dental prostheses 65% refund, 50% refund (10 month waiting period applies) up to 4,150/ 5,000/$6,750/CHF6,500 Repatriation Plan The following Repatriation Plan can be purchased with any of the Core Plans. It cannot be bought separately. Repatriation Plan Benefits Medical repatriation 2 Where the necessary treatment is not available locally, you can choose to be medically repatriated to your home country Full refund instead of to the nearest appropriate medical centre² Where ongoing treatment is required, we will cover hotel accommodation costs² Full refund Repatriation in the event of unavailability of adequately screened blood² Full refund If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover Full refund, max. 7 days hotel accommodation costs² Expenses for one person accompanying a repatriated person 2 2,490/ 3,000/$4,050/CHF3,900 Travel costs of insured family members in the event of a repatriation 2 1,660/ 2,000/$2,700/CHF2,600, per event Travel costs of insured members to be with a family member who is at peril of death or who has died 1,245/ 1,500/$2,025/CHF1,950, per lifetime 9

10 Step 4 Choose your area of cover Worldwide Worldwide excluding USA Africa only Table of Benefits notes Treatment Guarantee Benefits indicated with a 1 or a 2 in the Table of Benefits are subject to Treatment Guarantee. This means that a fully completed Treatment Guarantee Form will need to be sent to us for approval of your medical costs, at least five days prior to commencement of your treatment. This will ensure that we are contacted with sufficient notice as to arrange for direct settlement with your medical provider, i.e. where possible, we will settle the bill for you by dealing directly with the hospital. The Treatment Guarantee process is further explained in "Our claims process" section on page 14. Please note that: If Treatment Guarantee is not obtained for the benefits listed with a 1, we reserve the right to decline a claim. If the respective treatment is subsequently proven to be medically necessary, we will pay only 80% of the eligible benefits. If Treatment Guarantee is not obtained for the benefits listed with a 2, we reserve the right to decline a claim. If the respective treatment is subsequently proven to be medically necessary, we will pay only 50% of the eligible benefits. Benefit limits There are two kinds of benefit limits shown in the Table of Benefits. The maximum plan benefit, which applies to certain plans, is the maximum we will pay for all benefits in total, per member, per Insurance Year, under that particular plan. Some benefits also have a specific benefit limit, for example Nursing at home or in a convalescent home. Specific benefit limits may be provided on a per Insurance Year basis, a per lifetime basis or on a per event basis, such as per trip, per visit or per pregnancy. In some instances we will pay a percentage of the costs for the specific benefit e.g. 65% refund, up to 4,150/ 5,000/$6,750/CHF6,500. Where a specific benefit limit applies or where the term Full refund appears next to certain benefits, the refund is subject to the maximum plan benefit, if one applies to your plan(s). All limits are per member, per Insurance Year, unless otherwise stated in your Table of Benefits. Premium payment options Our plans are available in the following currencies: Sterling, Euro, US Dollar and Swiss Franc. Premiums can be paid by direct debit (for payments in Euro, Sterling and Swiss Franc), bank transfer, cheque or credit card and there are a number of payment frequency options available (including annual, half-yearly and quarterly), depending on the payment method that has been chosen. 10

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12 Our member services As a client centric organisation, our primary goal is to deliver a first class service to our members. The following are some of the benefits we can offer you as an Allianz Worldwide Care member: Helpline service 48 hour claims process Allianz Worldwide Care s in-house team of professional, multilingual staff are available 24 hours a day, 7 days a week, providing you with day to day enquiry assistance (e.g. confirmation of cover or update on claims status) and an emergency assistance service (e.g. organisation of medical evacuation). Fully completed Claim Forms are processed and payment instructions issued to your bank within 48 hours. Medical provider finder Multilingual policy documents You can choose to receive your Membership Pack, which contains all your policy documents, in English, German, French, Spanish, Italian or Portuguese. Some key documents (e.g. Claim Forms) are also available in additional languages, such as Arabic, Chinese and Russian. You are free to choose the medical provider where you wish to be treated. However, if you need help to locate a provider, you can use our Medical Provider Finder. This online directory 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. You can also search under medical practitioner categories e.g. internal medicine, as well as on specialism, e.g. general surgery, neurosurgery or traumatology. 12

13 MediLine medical advice service MyHealth app This service, provided by an experienced English speaking medical team, provides information and advice on a number of medical topics, including: Lifestyle issues Patient drug information Travel health information Comprehensive medical information Pre- and postoperative treatment advice e.g. nutrition, sports injuries, smoking and alcohol e.g. advice on medication usage and reaction pre- and post-travel e.g. vaccinations Available for Apple and Android smartphones and tablets, the MyHealth app allows members to submit medical claims more quickly and easily than ever before. Members can also access their current policy documents, even when offline. The app provides members with turn-by-turn directions to the nearest hospital, as well as access to local emergency services telephone numbers. Health and wellbeing resources Online Services As a member, you will be provided with login details to access your personal account on our secure, multilingual Online Services. Online Services allows you to access a number of functionalities including: the ability to view and amend your personal details, view your Table of Benefits and check how much remains payable under each benefit limit, confirm the status of any claims submitted to us and view any claims related correspondence. We understand that your health is of paramount importance to you. As a health insurer, we want to make it easy for you to look after yourself and your loved ones. With this in mind, we offer an extensive selection of online health and wellbeing resources to educate, advise and support members in maintaining a healthy and active lifestyle. These resources include access to health risk assessments, stress and weight management information, advice about smoking cessation, tips for sleeping well and details on topics such as fitness and nutrition. 13

14 Our claims process Direct settlement for in-patient costs For all in-patient treatment and some out-patient treatments, you/your medical provider will need to send us a completed Treatment Guarantee Form in advance of your treatment. Our Medical Services Team will verify your cover for the treatment required and will contact your medical provider to facilitate a smooth admission, arrange direct settlement of your hospital bills and oversee your treatment. If treatment is due to take place in less than 72 hours, members can simply call our Helpline and we will take Treatment Guarantee details over the phone. In case of emergency, the Treatment Guarantee Form is not required in advance. However, we need to be informed about the hospital admission within 48 hours of the event, simply by calling our Helpline. This gives us the opportunity to arrange for the direct settlement of hospital bills, where possible. Reimbursement for out-patient and dental costs For out-patient (e.g. doctors visits or dental treatments), members simply pay the medical provider at the time of treatment and then seek reimbursement from us by sending a fully completed Claim Form with supporting documentation (e.g. invoices, receipts, etc). Once we have received all the relevant information, we will process the claim within 48 hours. The Claim Form is available to download from our website. Fully completed claim forms can be faxed, scanned and ed or simply posted to us. Alternatively, you can also submit your claims via our MyHealth app: MyHealth app for Members Quick and easy claims submission 1. Provide a few key details 2. Take a photo of your invoice(s) And you re done 14

15 How to apply To get advice on your health insurance options, receive a quote, or apply for cover with Allianz Worldwide Care, simply speak to your broker, who will advise you on the best options to suit your requirements. If you wish to apply for one of our international healthcare plans for individuals, your broker will provide you with an Application Form to complete. You may include your spouse/partner and/or children on the Application Form. Completed Application Forms are sent directly to our Underwriting Team. All applications for individual members are subject to underwriting, i.e. we will evaluate the status of your health (as well as your dependants health, if applicable), as declared by you on the Application Form. We will then contact you with our acceptance terms and confirm the premium applicable to your policy. As soon as your application is accepted, we will place you (and any dependants) on cover. Your policy documents will be immediately made available to you in soft copy, via or Online Services (hard copy policy documents are available on request). 15

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17 Frequently asked questions Q. Who is eligible to apply? A. We will consider applicants for cover up to the day before their 76 th birthday. Q. Can I cover my family members under my policy? A. Yes. Your spouse/partner can be included as a dependant under your policy, together with any children under the age of 18, or under the age of 24, if in full-time education. Q. Will my plan cover any medical conditions that I had prior to the start of my policy? A. We will consider an applicant s pre-existing medical conditions on a case by case basis during the underwriting process. For this process to start, you will need to complete an Application Form and answer the questions in the Health Declaration section on the basis of your own and your dependant s (if applicable) complete medical past. If you are in any doubt as to whether a fact is material, then it should be disclosed. Q. What is a deductible and how is it applied? A. A deductible is part of your medical costs which is payable by you and which has to be deducted from the reimbursable sum. Q. What happens if I move country or return to my home country? A. You will need to contact us as soon as possible if you change your country of residence as it 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 your current geographical area of cover, your existing cover will not be valid there and so it is very important that you discuss this with us as early as possible. Please note that cover in some countries is subject to local health insurance regulations, particularly for permanent residents of that country. For example, if you become permanently resident in the United States or in Brazil, we can no longer provide you with cover as our plans do not comply with local laws in these countries. Q. Which hospitals can I go to? A. You can use our online Hospital, Doctor and Health Practitioner Finder to search for providers worldwide. However, you are not restricted to using providers from this directory. Please note that Treatment Guarantee is required prior to 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. 17

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20 For further details, please contact your broker: Agent s details and stamp To see a short movie about Allianz Worldwide Care, simply go to: DOC-IndBrochure-EN Allianz Worldwide Care SA, acting through its Irish Branch, is a limited company governed by the French Insurance Code. Registered in France: No RCS Paris. Irish Branch registered in the Irish Companies Registration Office, registered No.: , address: 15 Joyce Way, Park West Business Campus, Nangor Road, Dublin 12, Ireland.