Allianz Premium Plan Details
At Camunda, we are committed to providing our Camundi with competitive benefits that support their well-being. In addition to statutory benefits, we have partnered with Remote to offer Enhanced Health Insurance in many locations, with the Allianz Premium plan being a cornerstone of this offering.
Key Benefit Coverage Highlights (2025 Plan)
This table provides a summary of some key coverages available under the Allianz Premium plan. This is not an exhaustive list. For complete details, including all specific limits, conditions, and exclusions, please always refer to your Insurance Certificate, full Table of Benefits document, and the Allianz Care Benefit Guide. Pre-authorisation is often required for in-patient and high-cost treatments.
What the Plan Covers:
| Benefit Detail | Coverage/Limit |
|---|---|
| Remote Premium plan Overall limit | $1,000,000 USD |
| In-patient benefits¹ (Pre-authorisation required) | |
| Hospital accommodation¹ | Private room |
| Intensive care¹ | Full refund |
| Prescription drugs and materials¹ (in-patient and day-care treatment only) | Full refund |
| Surgical fees, including anaesthesia and theatre charges¹ | Full refund |
| Physician and therapist fees¹ (in-patient and day-care treatment only) | Full refund |
| Surgical appliances and materials¹ | Full refund |
| Diagnostic tests¹ (in-patient and day-care treatment only) | Full refund |
| Organ transplant¹ (in-patient treatment only) | Full refund |
| Psychiatry and psychotherapy¹ (in-patient and day-care treatment only) | Full refund |
| Accommodation costs for one parent staying in hospital with an insured child under 18¹ | Full refund |
| Emergency in-patient dental treatment | Full refund |
| Other benefits (Pre-authorisation may be required - check notes in Table of Benefits, marked with ²) | |
| Day-care treatment² | Full refund |
| Kidney dialysis² (in-patient, day-care and out-patient treatment) | Full refund |
| Out-patient surgery² | Full refund |
| Nursing at home or in a convalescent home² (immediately after or instead of hospitalisation) | $3,375 |
| Rehabilitation treatment (in-patient, day-care and out-patient treatment; must commence within 14 days of discharge) | $3,375 |
| Local ambulance | Full refund |
| Emergency treatment outside area of cover (for trips of a maximum period of six weeks) | $50,000 |
| Medical evacuation² (Where necessary treatment is not available locally...) | Full refund (Hotel accommodation max 7 days for specific scenarios) |
| Expenses for one person accompanying an evacuated person² | $2,700 |
| Travel costs of insured family members in the event of an evacuation² | $2,700 |
| Repatriation of mortal remains² | $13,500 |
| Travel costs of insured family members in the event of the repatriation of mortal remains² | $4,050 |
| CT and MRI scans (in-patient and out-patient treatment) | Full refund |
| PET² and CT-PET² scans (in-patient and out-patient treatment) | Full refund |
| Oncology² (in-patient, day-care and out-patient treatment) | Full refund |
| Purchase of a wig, prosthetic bra or other external prosthetic device for cosmetic purposes | $270 |
| Routine maternity² (in-patient and out-patient treatment) | $6,000 |
| Complications of pregnancy and childbirth² | $13,500 |
| In-patient cash benefit (per night, where treatment has been received free of charge) | $205, max. 25 nights |
| Emergency out-patient treatment | Full refund |
| Palliative care² (in-patient, day-care and out-patient treatment) | Full refund |
| Long term care² (in-patient, day-care and out-patient treatment) | Full refund (Max. 90 days per lifetime) |
| HIV/AIDS treatment² (in-patient, day-care and out-patient treatment) | Full refund |
| Treatment for alcohol and drug addiction² (in-patient and out-patient treatment) | $5,000 |
| Gender dysphoria services² (in-patient, day-care and out-patient treatment) (24 month waiting period applies) | $25,000 per lifetime |
| Additional Core Plan Services | |
| Employee Assistance Programme | Services available (Counselling, Legal/financial referral, Wellness website) |
| Travel Security Services | Services available (Emergency Hotline, Country intelligence, News updates) |
| MyHealth Digital Services | Services available (Submit claims, Access documents, etc.) |
| Olive (Health & Wellness support program) | Services available (Fitness app, Wellness resources) |
| Second Medical Opinion Service | Services available (Expert help on treatment options) |
| Out-Patient Plan | |
| Maximum plan benefit | $5,060 |
| Video consultation services | Full refund |
| Medical practitioner fees & Prescription drugs | $1,350 |
| Diagnostic tests | Full refund |
| Specialist fees | Full refund |
| Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry (max. 12 sessions per condition for chiro/osteo) | Full refund |
| Prescribed physiotherapy (initially limited to 12 sessions per condition) | $600 |
| Non-prescribed physiotherapy | 10 visits |
| Prescribed speech therapy and occupational therapy² | $1,520 |
| Vaccinations, Health and wellbeing checks including screening for early detection of illness (inc. cancer screening) | $500 |
| Dietician fees | $500 (within Health & Wellbeing checks limit) |
| Infertility treatment | $16,000 |
| Psychiatry and psychotherapy (Referral from doctor required for psychotherapy) | max. 10 visits |
| Prescribed medical aids | $675 |
| Prescribed glasses and contact lenses including eye examination | $250 |
| Hormone replacement therapy | Full refund |
| Dental Plan | |
| Maximum plan benefit | $1,000 |
| Preventative dental treatment | 100% refund |
| Routine dental treatment | 100% refund |
| Major restorative dental treatment | 100% refund |
| Periodontics | 100% refund |
Important Plan Information & Support Services
Beyond the direct medical coverages, your Allianz Premium plan includes several important features and support services:
- Treatment Guarantee/Pre-authorisation: Certain treatments require pre-authorisation from Allianz. Failure to obtain this may lead to a reduced payment or claim denial if treatment isn't deemed medically necessary. Always contact Allianz before such treatments.
- Chronic & Pre-existing Conditions: These are generally covered within the terms of your policy. Refer to the Benefit Guide definitions for specifics.
- Benefit Limits Explained: The policy has an overall annual limit ($1,000,000 USD). Some benefits also have specific individual limits (per year, per lifetime, or per event). "Full refund" is always subject to these limits.
- Employee Assistance Programme (EAP): Offers 24/7 multilingual support including confidential counselling, legal/financial referrals, and a wellness website.
- Travel Security Services: Provides 24/7 access to personal security information, an emergency hotline, country intelligence, and travel safety alerts.
- Olive - Health & Wellness Support: Includes a fitness app, access to online health assessments, wellness resources (webinars, articles), and a mind coaching app.
- Second Medical Opinion Service: Get expert help on treatment options if diagnosed with a serious illness or if surgery is recommended.
- TeleHealth Hub (Video Consultation Services): Direct access to online doctor appointments for medical advice, treatment recommendations, and prescriptions where available and appropriate.
How to Use Your Plan
- Choosing a Provider: You have the freedom to receive treatment from any licensed medical provider worldwide. Allianz can help you locate one via the MyHealth app or their website, but you are not restricted to their network.
- MyHealth Digital Services (App & Online Portal): This is your primary tool for managing your plan:
- Find medical providers, submit and track claims, access policy documents and your digital membership card, and contact Allianz via live chat.
- Utilize tools like the symptom checker, pharmacy aid, and medical term translator.
- To register: Visit myallianzcare.com/myhealth or download the 'Allianz MyHealth' app. You'll need your policy number.
- Arranging Treatment:
- Out-patient visits: Schedule your appointment, pay the provider directly, and then submit a claim for reimbursement. You generally don't need to present your Allianz card beforehand.
- In-patient treatment & high-cost services: Contact Allianz for pre-authorisation before treatment. They can often arrange direct payment with the provider.
- Emergencies: Seek necessary treatment immediately. If hospitalized, you or someone on your behalf must inform the Allianz Helpline within 48 hours. Pre-authorisation details can often be taken over the phone in emergencies.
- Submitting Claims for Reimbursement:
- After paying for out-patient services, submit invoices and medical records via the MyHealth app or online portal.
- Claims are typically processed within 48 hours if all required information (including diagnosis) is provided.
- Ensure claims are submitted no later than six months after the end of the Insurance Year or cover cancellation.
- Medical Evacuation & Repatriation: Contact the Allianz Helpline immediately at the first indication of need. Do not arrange these services independently, as Allianz will coordinate them.
Getting Help
For any assistance with your plan:
- 24/7 Multilingual Helpline: +353 1 630 1301 (Note: international charges may apply from your country).
- Email: client.services@e.allianz.com
- MyHealth App: Use the live chat feature.
- Website: Check www.allianzcare.com for toll-free numbers, FAQs, and more resources.