![]() To be certain of your level of cover, you must always read your Table of Benefits in conjunction with your Benefit Guide, to find full details of the cover applicable to you, including definitions and/or exclusions applicable to your plan. Simply login via browser or use the app and click on “My Benefits”. If you have an individual policy please contact our Individual Business Unit by email at: your area of cover and maximum benefit amount on MyHealth Digital Services. If you are covered under a group scheme, you must inform your company’s Group Scheme Manager if you are moving outside your area of cover for more than six weeks. Furthermore, the cover doesn’t include the charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth. Cover is not provided for curative or follow-up non-emergency treatment, even if you are deemed unable to travel to a country within your geographical area of cover. Treatment by a doctor must start within 24 hours of the emergency event. In most cases, cover is provided up to a maximum period per trip and up to the maximum benefit amount (indicated in your Table of Benefits) and includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to your health. This benefit provides cover for medical emergencies which occur during business or holiday trips outside your area of cover. If you require treatment outside the area of cover indicated in your Insurance Certificate, you may still be covered if the “Emergency treatment outside area of cover” is listed in your Table of Benefits. Done! You have now access to your documents. You can access your Insurance Certificate and Treatment Guarantee Form via MyHealth Digital Services. Simply login via your browser or via Allianz MyHealth app, click on “My Policy” and select the “Documents” tab. You are also covered for eligible costs incurred in your home country if your home country is within your area of cover. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Treatment Guarantee Form before travelling. ![]() If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy, except for your travel expenses. ![]() You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate*.
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