Requesting a "Guarantee of Payment" in order to be admitted to the hospital (based on the Emergency doctor's recommendation) took 2 days. So I had to pay US$4,000 upfront and hope to get approved. For some reason, they misread the end-date of my coverage and told the hospital that my policy expired. Pure fabrication. Of course, there were multiple calls to solve, with Allianz staff who sounded like they were reading cue card answers.Once discharged after a 6-day stay, it took Allianz 6 hours to approve payment. Why? The first approval letter from Allianz to the hospital misspelled my name. Then they put the wrong dates. Then the total amount requested was incorrect. Remember, each time Allianz made an error meant a minimum 45 minutes with an IV in my arm. (The hospital policy was to not allow you to leave the hospital until the bill is paid. And keeping an IV in your arm is good way to stop you from leaving.)I still had some outpatient expenses that I covered myself rather than wait hours from Allianz to pay the hospital directly. It turns out that this will take up to 10 weeks to review and approve or not.In summary, I was shocked at the level of incompetence at Allianz. And pure confusion resulted when calling Claims (who refer you to Case Management, who refer you back to Claims, who refer you to the Medical Team, who refer ... on and on it goes).
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Allianz Cares’ International Health Insurance offers leading global health and medical insurance for employees, individuals and their dependants.