Allianz MediAdvantage, Overseas Medical Treatment Made Possible
Even though our healthcare system is the best in the world in terms of costs and access, believe or not, some of our local healthcare providers are not equipped with the latest technology and even experts in the field.
We often read news of people having to collect donations to support their treatment outside of Malaysia, because our healthcare facilities and expertise are limited for their special cases.
Worry not as Allianz MediAdvantage has got you covered with a medical card plan that is specially designed to cover your overseas medical treatment with a lifetime limit of up to USD4,000,000.
The Allianz insurance gives you the flexibility to choose your preferred overseas healthcare providers, medical experts and type of plan that suit your needs and budget.
That's not all, your family members or any companion who is travelling with you will be covered as well.
What does this Allianz medical card cover?
Allianz MediAdvantage allows you to have an overseas second medical opinion, concierge service, hospitalisation and surgical coverage one you're diagnosed with any one of these diseases:
- heart valve surgery
- intracranial and specific spinal cord surgery
- coronary artery bypass surgery
- live-donor organ and bone marrow transplant
Allianz insurance with seamless overseas treatment experience
When you sign up for Allianz MediAdvantage, you get more than just financial protection but seamless overseas treatment experience as well, such as:
Up to USD4 million overseas medical treatment benefit
You no longer have to worry about medical costs and focus on your health instead. Should the treatment that you need to recover, from doctors, hospitals to medical technologies only available overseas, your high lifetime limit coverage will support you financially.
Second medical opinion coverage
This Allianz medical card allows you to seek a second medical opinion from medical experts to confirm your diagnosis and suggest options on the best treatment plan.
Seamless overseas treatment experience
There are a lot of things to prepare before and during your overseas treatment, not forgetting the additional costs of your family member(s) or a living donor who will be travelling with you.
Allianz Third Party Administrator (TPA) will arrange the overseas treatment, travel and accommodation for you and your travel companion.
Hospitalisation indemnity benefit
Allianz will fund your miscellaneous expenses of up to USD200 per 24-hour confinement so you won't burn a hole on your wallet.
Post overseas medical treatment benefit
Use this medical card to cover your in-country medication benefit expenses once you have returned from your overseas treatment.
Should you need to undergo overseas follow-up care with the overseas doctor, Allianz TPA will assist you.
Is there any exclusion for Allianz MediAdvantage Medical Card?
There are some generic, medical and expenses that are excluded from Allianz MediAdvantage Medical Card.
Some of them are listed below:
- expenses derived from diseases or medical procedures which are not covered by Allianz MediAdvantage
- expenses of diseases or injuries resulted from wars, terrorism, riots, floods, volcanic eruption, nuclear or catastrophic phenomena and epidemics
- treatment for pre-existing diseases
- treatment for AIDS or HIV
- expenses incurred not from the approved hospital stated in the medical insurance policy
- expenses incurred in the purchase or hire of wheelchairs, special beds, air conditioning appliances, air cleaners and any other similar items
- expenses incurred without following the Claim Procedures