Allianz Care Opiniões 

I am insured with Allianz Care through my US employer. We pay a significant amount for this insurance, and until recently, the service had been good.
However, the quality of service has deteriorated significantly since December last year. In addition to the unacceptably long processing times for each claim, I have observed that nearly every reimbursement request is initially rejected, often based on inconsistent arguments stating that the treatment is not covered by the policy.
Following a second review, these same claims are often approved, which raises serious concerns about the accuracy and integrity of the initial assessment process.
This pattern creates the impression that claims are being systematically rejected at first instance, regardless of their validity. Such practices are not acceptable, particularly when policyholders are clearly entitled to reimbursement under the terms of their policy.
Furthermore, the handling of complaints is equally unsatisfactory. Reviews take several weeks, and reimbursement is delayed well beyond the timelines publicly committed to by Allianz Care (5 working days, or 48 hours for certain cases). These commitments appear to exist only in principle and are not respected in practice.
Attempts to resolve these issues via Allianz Care hotline are unsuccessful. While representatives are courteous, they are unable to take any concrete action and refer to internal departments that remain inaccessible to clients.

Scammer company. They do not even reimburse you for a health checkup even though their policy states that they do. Stay away. Unprofessional staff and constant emails regarding the incompetency of staff not understanding the claim. Waste of money!

C35475268

Claim F35475268 – Klärung & Beweis: Implantate nicht in Krankenhausrechnung enthalten

Sehr geehrte Damen und Herren,

ich habe Ihre Anfrage erhalten und die offizielle detaillierte Rechnung von Bio Implantes hochgeladen (bereits im System, wie Sie bestätigt haben).

Zur Klarstellung, warum die Implantate nicht in der Krankenhausrechnung inkludiert sind:
- Die beigefügte Krankenhausrechnung (Clínico Abreu CD) listet ausschließlich OP-Saal, Unterbringung, Medikamente, Materialien und Dienstleistungen auf (Gesamtbetrag ca. 205.000 DOP, bereits bezahlt).
- Bio-Implantate (Titan-Schrauben, Caja Expandible, Barra Titanio, Injerto usw.) werden dort **nirgendwo** aufgeführt (siehe detaillierte Seiten der Rechnung im Anhang).
- Die Implantate sind separat von Bio Implantes fakturiert (Rechnung hochgeladen).

Sie haben mir per E-Mail bestätigt (Anhang: Helpline-Mail), dass die Rechnungen bearbeitet werden. Bitte aktualisieren Sie die App und erstatten Sie die Implantate-Kosten (316.960 DOP- ca. 5.000 us ) sofort.

Weiters steht in ihrem App nichts darüber , dass Sie die Zahlungsbestätigung der Chirurgen nicht anerkennen und ich neue Rechnungen beschaffen muss . Das mussteb gestern anscheinend die Dame am Telefon neu dazu erfinden. Daher erstatten sie mir auch die 3 Ärzte Rechnungen sofort . ( Ca. 11.257 us )

I wish I had read the reviews here before closing the Allianz care signature package. They are trying their hardest to find any reason to not reimburse your claims. It’s the worst insurance I ever had in my life.
Simon

Nonostante scrivo e-mail direttanente a questa ASSICURAZIONE ALLIANZ MY CARE e recensioni negative nessuno di loro mi risponde !
Perche' ???
Perche' se ne fregano!!!
Sono assolutamente imbestialito di farmi continuamente prendere in giro da questa gentaglia che gioca e acherza con la salute della gente !!!
VERGOGNATEVI !!!
SIETE DEGLI SCHIFOSI !!!
CON VOI SI PUO' AVERE A CHE FARE SONO CON L' INTERVENTO DI AVVOCATI !!!!!

Scam health insurance. Doesn’t cover anything. Not a single cent. Not recommended for anyone. Please try to avoid this shit scam company.

Terribile. Ho provato altre assicurazioni e posso quindi affermare che Allianz My Care tutto fa tranne avere cura delle persone.
Il personale ha un comportamento pessimo e mette in discussione ogni cosa che si dichiara. Anche davanti a situazioni di emergenza o di gravità, non mostrano alcun segno di capacità di valutare bene le situazioni. Sembra non abbiano la minima nozione di medicina.

Peggior assistenza sul mercato. Tempi dilatati anche per le urgenze (5 giorni + il giorno della richiesta, esclusi i weekend solo per approvare una richiesta).

Furbi a far pagare tutto prima, non vedo l’ora di terminare la polizza per non rinnovare.

Thank you for your email.

I regret to advise our insurance does not cover pre-existing / planned treatment .

Pre-existing conditions are medical conditions for which one or more symptoms have appeared at some point during your or your dependents’ lifetime. This applies regardless of whether you or your dependents sought any medical advice or treatment.

We would deem any such condition to be pre-existing if we could reasonably assume you or your dependents have known about it.

I am very sorry we could not help you.

Best regards

Direct Sales Team, International Health

Individual & Small Group Business Allianz Partners

they don't care what kind of preexisting condition you have, just a simple question about preexisting conditions will get you canceled :D

total scam

Nada Elawady helped me and solved mi questions, she didnt solved my issue but let me know why my limit was reached. I wish her the best :D

I recently went through the process of selecting an international health insurance provider for myself and my four young daughters. After comparing multiple options, including April International (which had complicated zone restrictions and unclear rules), I decided to move forward with Allianz Care, and I couldn’t be happier with this choice.

From the very beginning, the communication was clear and transparent. With April, I found myself having to navigate through “zone 3, 4, 5” limitations, which felt confusing and risky as I travel frequently to places like Spain, Dubai, Malaysia and Asia. With Allianz, the coverage is worldwide (excluding USA), straightforward, no surprises, exactly what you want when protecting your family.

A special mention goes to Andrew Doyle (Direct Sales Advisor). His professionalism, fast replies (even on weekends!), and ability to explain everything in plain language gave me confidence that I was in safe hands. He went above and beyond to make sure my application was processed smoothly, even applying a family discount that made the premium very competitive.

The payment and activation process were efficient, and within days I had my policy documents and membership cards in hand. Allianz really feels like the “Rolls Royce” of international health insurance, trusted by expats and embassies worldwide, and now also by me and my family.

If you are an expat or frequent traveller looking for peace of mind, I highly recommend Allianz Care. And if you get the chance, ask for Andrew Doyle — he truly made the difference.

Jamal Mahdad

I went to 3 doctors in grece and all of them said they dont accept allianz tiriac because they didnt pay the bills in years. So I end up to pay cash for the treatment . Horrible situation. Do not buy from them insurance!

They require too much documentation and they customer service are not helpful and outsourced

I was with Aetna for over 20 years and always very happy with their service. Then i had to leave them 2 years ago . They had just joined Allianz. Now that my family health coverage is expiring in October, I have been chasing their sales team for over 11 days to set up a new family insurance plan and still haven’t received ONE single call back. If this is how they treat long-term clients, it raises serious concerns about their commitment to customer care. They do not seem to need new clients after all. If this is what has become of AETNA since joining Allianz in Dubai, the experience has seems extremely different and disappointing and if this is how they treat long-term clients, it raises serious concerns about their commitment to customer care. Will need to consider different options unfortunately.

I had to cancel a holiday on health grounds and I found every agent I spoke to was kind a sensitive. There were a number of emails requiring extra information but this was not a problem as I had all my paperwork in order. Their instructions of what was required were clear with every email. I was able to send whatever was requested. The whole process from making the claim to receiving my payment took three weeks. I received my full payment settlement today.

Pessima!! Orrenda!! Pago155 al mese senza usufruire di nulla!! Ogni qualvolta accedo per una richiesta subisco un diniego!! Non ai puo’ fare un semplice prelievo, non si puo’ fare un ecografia non coore le spese odontoiatriche non vedo l’ora che scade il contratto x fare la disdetta !! Sconsiglio vivamente a tutti !! In piu’ quando li chiami rispondono in modo scontroso.

My care? No grazie. Da evitare perché è una delle peggiori assicurazioni sanitarie integrative sul mercato. Personalmente mi sono accorto di aver sottoscritto o stipulato una polizza sanitaria con questa pseudo assicurazione solo perché dopo un paio di anni ho chiesto alla mia banca a cosa si riferisse un addebito mensile di 22 euro e spiccioli. Mi hanno risposto che stavo pagando una polizza assicurativa che copriva anche gli infortuni domestici. Ma le informazioni erano così scarse e nessuno né in banca e nemmeno al servizio clienti è stato in grado di darmi informazioni esatte sulle coperture. Per questo avrei voluto sospendere la polizza ma ormai era tardi per disdire. Avrei dovuto attendere l’anno successivo. Nel frattempo ho avuto un paio di infortuni domestici e ho comunicato via PEC la dinamica del sinistro. Nel frattempo ho fatto esami, radiografie, risonanze e fisioterapia. Ho inviato tutto ritualmente alla Allianz My Care, ho fatto la visita legale ma nonostante fossero passati diversi mesi non non sono riuscito ad ottenere alcun riscontro nonostante le telefonate al servizio clienti. Finalmente l’altro ieri un solerte addetto dell’ufficio sinistri mi ha chiamato, forse a seguito del mio ennesimo sollecito. Tuttavia mi chiamava per l’infortunio più recente ma finalmente ho potuto chiedergli cosa copriva la polizza. Nulla praticamente. Solo in caso di morte o dí infortunio permanente grave sarebbe stato possibile avere un risarcimento. Per il resto tutte le fatture, le ricevute mediche, le spese effettuate, non è previsto alcun rimborso! Amen. Mai più

I have in my capacity as a Danish citizen living in Portugal had a relatively pricy private international health insurance with Allianz with a yearly premium of 12,000EUR. My choice of this insurance was in the hope of security and over the years I have paid more than 120,000EUR in premiums. When I last year fell on the tennis court and broke my wrist and later on also was diagnosed with a groin hernia and notified Allianz through CUF (private reputable hospital in Portugal) and Hospital de Luz (also private reputable hospital in Portugal). I got the treatment for the broken wrist in CUF and thought that everything was fine until I more than 6 months after suddenly received two invoices from CUF. When I reacted towards CUF I was told that Allianz had rejected insurance coverage and I realized that neither Allianz or CUF had notified me of this. Furthermore, Allianz without notifying me apparently also rejected the coverage of my surgery re. the groin hernia without notifying me. When I approached Allianz and asked for the specific rejections and the correspondence with the two hospitals they rejected my access to this information under the allegation that my claims were handled as "bulk" and hence involved other patients. After a longer correspondence with a Mr. Rapisarda and Mr Chobanov from Allianz I was finally cut of by a mail on 29/5 2025 where the charming and customer friendly Mr Chobanov informed me the following:

Thank you for contacting Allianz Care.
We believe that we have replied your query from insurance point of view and we see that you are still dissatisfied with any reply we are sending you.
We completely understand your frustration and irritation.
As we have already advise you if you remain dissatisfied with our resolution to your complaint, you may now refer your complaint to the French Federation of Insurance Companies.
You may contact the French Federation of Insurance Companies via either of the following channels:
Via Postal Correspondence:
La Médiation de l’Assurance
TSA 50 110
75441 Paris Cedex 09
France
Via Online Submission of Your Complaint:
Thank you for your cooperation and please accept our apologies for all inconvenience our reply might have caused.
Should you have further queries please do not hesitate to contact us via LiveChat (available 24/7) on our MyHealth app and portal or on the number indicated below."

I do in my busy life not have time to deal with smaller things and this is also the reason I am not pursuing a claim procedure since I will lose money by the time I am using on this.

However, I have decided to take the time to write this announcement in order to warn private people who are looking for security by taking out a descent and good health insurance to protect them against difficult times if hit by especially serious illness. I simply must warn all existing and potential customers of Allianz health care/insurance about Allianz since this is simply not a solution at all.

I have now decided to terminate my insurance with Allianz and will never come back.

Despite having paid more than 120,000EUR in insurance premiums over the years I am pleased that I discovered Allianz' lack of consciousness and dishonest behavior before I needed their help if serious and really serious illness occured with costfull treatments.

Normally I am not sharing my distrust or complaints about shops, restaurants etc. on the internet but I think that Allianz' behavior and lack of support and service in my case is so serious that I simply must warn existing and potential customers of Allianz and tell them that they will have to fight every inch for their right if they file claims under the insurance.

In addition I will mention that an Allianz international healthcare insurance for people living in Portugal is an absolutely no go - Apparently some and at least one reputable private hospital in chosen not to co-operate with Allianz any longer.

SO MY SINCERE RECOMMENDATION IS THAT YOU SHOULD NOT CHOOSE ALLIANZ AS YOUR PRIVATE HEALTH INSURANCE COMPANY AND IF YOU ALREADY HAVE TAKEN OUT INSURANCE WITH ALLIANZ YOU SHOULD CANCEL YOUR INSURANCE AND MOVE TO ANOTHER RELIABLE INSURANCE COMPANY.

I wish every one good luck out there - even Allianz and their unhelpful employees, who in the longer run will get into problems if customers who have taken out a healtcare insurance with Allianz are treated the same way as I have been treated.

Best regards,

John Adamsen

Betrügerisches Unternehmen, denen sollte die Lizenz genommen werden!
Habe viel bezahlt für diese Auslandsversicherung für Thailand!
Als ich einen Unfall hatte, bekam ich fast nichts und für dieses musste ich lange kämpfen!

I’m very disappointed with Allianz. I submitted claim C31374211 for Cognitive Behavioral Therapy, a benefit I understood to be covered under my Premium plan. Unfortunately, my claim was declined without a satisfactory explanation, leaving me feeling misled and unsupported in my son's mental health journey.

The claims process was frustrating and slow, and I found the communication to be lacking in clarity regarding policy details. Mental health treatment like CB is essential, and it’s disheartening when a provider doesn’t stand by its promised benefits. I paid for 4 premium, mine, my husband and my 2 sons! And they are making it hard for us to use our insurance!

I hope Allianz takes steps to improve transparency and customer support, especially for those relying on these important services. Until then, I would advise potential customers to carefully review policy details and be prepared for potential challenges with claims.

I would not recommend for you to get Allianz PNB Life Insurance. But, then you make a try maybe it will work for you. But as far as my experience is concern, I have a bad experience with their services, very unreliable. It's almost 2 months now since I paid my insurance in full, till now I am still waiting for my policy. I don't know where to complain even the hotline is helpless. The hotline will just get the message and send to the concern but no feedback, whatsoever.