Allianz Care Opiniões 

Allianz Dubai

Extremely Disappointing Service – Policy Not Worth the Cost

I am extremely disappointed with the service received from Allianz. Having paid for a protection policy, I expected a reasonable level of assistance and support when something went wrong.

Unfortunately, my experience has been the complete opposite. Despite ongoing issues with the repair of our vacuum cleaner, Allianz has been extremely unhelpful, and we have been left chasing updates and trying to obtain a resolution ourselves.

To make matters worse, Allianz is now refusing to arrange delivery of the appliance, adding further inconvenience to an already frustrating experience.

Based on my experience, the policy has offered very little value for the money paid. I expected far better customer care, communication and accountability. I would strongly encourage others to carefully consider the level of service provided before purchasing this protection policy.

Sono cliente della sede di Portogruaro (VE) da 3 anni. In questi tre anni ho avuto bisogno di un aiuto costante a causa di una grave malattia sopraggiunta. Con grande soddisfazione sono stata seguita con tanta cura dalla consulente Chiara e dall'agente Marco, che ringrazio profondamente perché grazie a loro ho ottenuto il riconoscimento di sinistri e le relative liquidazioni, pratiche che da sola, in un periodo di forte fragilità e offuscamento cognitivo dovuto alle cure, avrei fatto fatica a gestire.

Purtroppo non posso dire lo stesso per la Direzione e gli uffici di competenza. I tempi di gestione per la chiusura del sinistro per invalidità permanente sono, a mio avviso, biblici: la procedura va avanti da quasi due anni. La proposta di liquidazione ricevuta la ritengo — anche a parere del mio legale — non equa rispetto a quanto realmente mi spetta e alla documentazione presentata, di cui non si è tenuto conto in sede di visita medico-legale.

Si tratta di una situazione certificata da invalidità civile superiore all'85% con ricollocazione lavorativa per gli esiti della malattia oncologica. Una decisione così distante dalla mia reale condizione mi ha costretta, mio malgrado, ad affrontare ulteriori spese legali per avviare un'ulteriore procedura al fine di veder riconosciuti i miei diritti. Ho avuto la netta percezione che si punti all'esasperazione del cliente affinché accetti una proposta irrisoria per stanchezza.
Ormai io sono in ballo e continuo perché è giusto così, ma se non si è competenti o con qualcuno che ti aiuta nella gestione, consiglio di non imbarcarsi con le assicurazioni perché ti tolgono la serenità, quella che dovrebbe essere d'obbligo quando si ha una malattia che la serenità te l'ha già portata via.

My wife and I have been insured globally for the past 10 years. Never have made a single claim. My wife just had minor surgery with a cost of $15 000. Although they had approved the surgery they are consistently asking for more and more documents that they have . If it's not a different form it's a different vocabulary they are looking for. Anything not to pay or at least make it as complicated and unpleasant as possible. They have cashed over $150000 in premiums and are acting in a completely unprofessional manner. I am canceling immediately and going elsewhere. How can this be legal?
I am only one of very many unhappy customers.
Do not think it will be different for you!!!!

My wife and I went on a cruise in Italy and as we have limited medical Insurance took the precaution to take out a policy with Allianz. During our cruise my wife needed to attend the medical center on the ship and we received an invoice for approx $500 which I paid with a credit card. When we returned to the USA I went through the process to make claim on the Allianz portal. A whole month later and after several really frustrating calls to their Indian call center we still have no confirmation that we will receive a payment, despite the fact that I sent them the medical report, the invoice and confirmation of payment. Now they are telling me that they need confirmation that I have no other insurance cover that could cover the claim. Despite the fact that I told them by email several times I have no other cover than Medicare (which everybody with any sense knows does not cover overseas medical issues) they want proof that I applied to them and got rejected. Even telling them that the only reason I took out the policy in advance was knowing that Medicare would not cover any unforeseen medical issues overseas does not seem to register with these mindless people. If you're planning to travel overseas and looking for decent no hassle insurance DO NOT INSURE with Allianz.

This is the most unprofessional, unorganized, disaster of a company I have ever had to interact with. Allianz single-handedly has been the greatest barrier to accessing the health care I need, and this level of unprofessionalism should be illegal. They lose documents, are extremely slow to respond, and will do everything in their power to delay/halt medical care no matter how important it is.

We bought the insurance just in case something happened like everyone does. We had to make a claim on our flight because our daughter couldn’t make the trip because she needed to have surgery. We handed in all the paperwork but we need more paperwork it’s a big scam. At the end they don’t want to pay for anything. How much paperwork do they need. Once you purchase the insurance they have all the information on your flights. I wish AA would kick them off there booking site.

Purtroppo non si tratta di un singolo disservizio, ma di una lunga serie di problemi che, nel tempo, mi hanno portata a perdere completamente la fiducia in questa assicurazione.
La polizza mi era stata proposta come una soluzione per evitare i tempi e la burocrazia del Servizio Sanitario Nazionale. La realtà che sto vivendo è ben diversa: settimane di attesa, telefonate, solleciti, risposte tardive e continui rimbalzi tra assicurazione e strutture convenzionate, anche per prestazioni previste dalla polizza.
L'ultimo episodio è emblematico: dopo aver richiesto il check-up annuale e aver spiegato più volte che avevo necessità di effettuare gli esami prima di partire, mi è stato fissato un appuntamento. Mi sono presentata a digiuno e con il campione delle urine, per poi scoprire sul posto che l'assicurazione non aveva comunicato nulla alla struttura e quindi gli esami non potevano essere effettuati.
E questo è solo l'ultimo di una serie di episodi simili.
Trovo inaccettabile dover spendere così tanto tempo per ottenere servizi che dovrebbero essere semplicemente organizzati e garantiti dalla polizza. Se devo essere io a fare da tramite tra assicurazione e struttura sanitaria, a cosa serve avere un'assicurazione sanitaria?
La cosa è ancora più deludente considerando che la polizza mi è stata proposta attraverso la mia banca (UniCredit), alla quale ho affidato anche altri servizi.
Dopo questa esperienza, difficilmente rinnoverò la polizza e sto seriamente valutando anche il mio rapporto complessivo con la banca.
Non consiglio questa assicurazione a chi cerca soprattutto rapidità, efficienza e semplicità nella gestione delle prestazioni sanitarie.

They are so, so bad. Denied claims for no good reason, paper processes, etc. Want to fight with your insurance provider over small stuff? Choose Allianz!

While Allianz are excellent in Asia, I tried to use my worldwide coverage in the UK as I had to have a Cystoscopy, an MRI and ultimately an operation to remove a kidney stone.

I never had any issues when using Allianz in Asia where I work, but trying to get claims paid for these UK procedures - about £11,000 in total - was a NIGHTMARE THAT LASTED SIX MONTHS AFTER TREATMENTS.

The claims team for the UK is based in Ireland and are DREADFUL.

They could not understand that discovery and referral covered an NHS GP and the private specialist. They kept demanding that the specialist prove when the condition was discovered or showed symptoms, while that was all provided by the GP.

They refused to pay for my initial examination by the specialist asking WHAT TREATMENT WAS PROVIDED IN THAT APPOINMENT. They refused to understand that an examination appointment was needed and not straight to treatment. They then repeatedly refused hospital documentation because the costs were from the hospital finance team and the medical report and treatment recommendations were from the specialists.

They demanded one document with all details of symptoms, diagnosis, medical assessment test results and costs - the hospital said they were very rude didn’t respond to messages and the demand for everything in one document they had never seen before.

I had to send I think about 100 emails to demand the insurer claims department stop sitting on their hands, requesting strange custom documents and it felt like doing everything they could to delay approval and payment, even for my straightforward and obviously necessary treatment.

After six months I was exhausted but they approved and paid all the claims. It’s a shame the Irish claims team is so nasty as the Asian claims teams are great.

However since I sometimes need treatment in the UK and sometimes in Asia I just switched to IMG Worldwide Health.

Allianz - fire your Irish claims team leadership and weed out the dreadful performers there. They are killing your brand outside Asia.

I am extremely dissatisfied with Allianz’s handling of two separate claims under our health insurance policy.

For my son’s TMJ treatment, I have had to contact Allianz repeatedly for more than two months — approximately 3 times — despite providing the clinical letter, diagnosis, paid receipt and supporting documentation. His condition is a diagnosed temporomandibular joint disorder involving jaw locking, displaced discs, synovitis and impaired jaw function. It is not routine dental treatment simply because the specialist providing the treatment is a dentist.

Allianz has repeatedly failed to understand or correctly classify the claim, while sending generic responses and delaying a clear decision.

In another claim, Allianz repeatedly requested a GMC number from a qualified acupuncturist registered with the British Acupuncture Council. A traditional acupuncturist would not normally have a GMC number because the GMC registers medical doctors, not acupuncturists. This was explained several times, yet Allianz continued to request irrelevant documentation.

These claims have been supported by full documentation, and similar treatments were covered in previous years. The current process appears designed to delay, frustrate and exhaust policyholders rather than assess valid claims fairly and efficiently.

The customer service has been inconsistent, slow and poorly informed. Complaints are met with formulaic responses rather than proper investigation or accountability.

Based on my experience, the very poor Trustpilot rating is entirely understandable. I would not recommend Allianz to anyone expecting responsive, knowledgeable and reliable claims handling.

The hospital I currently use for serious health issues is having contract disputes. Half of the services they provide are being outsourced - obviously to the lowest bidder. I have to get multiple scans for a particularly alarming problem - this is NOT the time for an international "who is the most incompetent" competition. On the day I received a written confirmation for a CT scan at the hospital, I received a voicemail from Allianz to contact them to schedule a CT scan. I like having written poof in black and white, so I called Allianz to tell them I already had an appointment elsewhere. The "person" I was talking to insisted I needed to schedule the scan at their location - if I needed to "double check" with the hospital, I should do so (not them!) This is the state of healthcare today- not only do patients have to subject themselves to radiation in multiple examinations, they have to do the admin of hospitals and insurers unpaid! Can someone please find a responsible adult somewhere stop the insanity already?

Extremely poor customer service. They promise re-processing of request after they confirmed that it was wrongly processed (unnecessary deduction from reimbursement) but keep missing timelines and then when I escalate, the individual on the phone says - I cannot give you any timeline, and I also don't know why they are not actioning your pending re-processing of claims.
He also refuses to transfer the phone call to ANYONE else who might actually be in a position of authority and agency to give an ETA or an explanation of what is happening. Starts lecturing me passive aggresively on how an employees cannot share the dirty laundry of their company with clients, when I asked him that he either should have a reason for what is happening or needs to give me an ETA or pass the phone to someone who can.

I am not sure it's even worth leaving one star for this company. Allianz Healthcare used to be quite good up until a year ago and now the service is so dire. Firstly, on calling the company to ask about my health insurance plan, I was on hold for 10 minutes whilst the phone attendant tried unsuccessfully to find my policy number. I had emailed several times over the course of several months in the run up to this, asking for a clear outline on dates as to when my waiting period for dental treatment would be completed so I could start treatment. One Dental Advisor came back stating it was end of June whilst another came back stating it would be the end of July (as we approached the end of June and had already booked an appointment). To not be able to service the basics is a pretty poor state of affairs.

The service provider by Allianz is inconsistent with the rules and how they treat one claim to the next. It is extremely frustrating. The service is painfully slow and when you call, it’s like that you are speaking to a robot. Avoid at all costs…your mental well-being will thank you.

Allianz may be average in developed countries but don't go to a developing country expecting quality healthcare with this insurance. Their network is primarily made up of old hospitals who dont have good facilities. In African countries, you'll find yourself unable to visit the best equipped hospitals due to no coverage. To think of a health insurance company providing outdated information of their service partners is scary. Imagine driving through traffic in an emergency to a hospital only to be told that your insurance is no longer supported.
Dont be like me,ask them to provide an updated list of covered hospitals before travelling as some hospitals on their app no longer support them.

Terrible service. I highly recommend staying as far away from Allianz Care as possible! Their beautiful website and big promises about "Global Health Insurance" are nothing but a trap. The moment you actually need medical help, they completely abandon you.

I can not recommend it, they will try their best to refuse every single doctor bill. I wish I had never entered a contract with them

Pessima esperienza,pessima assistenza pessimo tutto e non te la danno disdire. Assurdo.

I wasn't told that I needed to fill out all kinds of forms and get doctor documentations of illmesses. I was only told to wait 4-5 weeks for reimbursement of fees for a cancelled flight. Don't even think of doing business with these shysters.

After ensuring me I would be covered, I bought a plan. I then found out I was not actually covered, but the salesperson continued to try to convince me to keep the plan by switching my home address. They then tried to gaslight me into believing it was my fault, even though I have multiple emails of the rep ensuring me I would be covered. Then, when I was finally refunded, they couldn't figure out how to send a wire transfer. The wire failed, and then they blamed me for giving them the wrong banking information. I gave them a different account, and then they deducted a fee for failing the first transfer. I complained again, and then they sent me a screenshot "proving" it was my fault, and I could clearly see that they typed the SWIFT code in wrong (and I have the emails to prove it).

If a company has such a difficult time processing such small amounts of money, I can't imagine the headache of fighting them for a substantial health claim. I have never dealt with such incompetence at a systemic level.