FlexCare Plans

Your premium will not increase due to your personal claims record. FlexCare individual policies are community-rated; this means that risk is shared across the portfolio of all policies and our premiums are revised annually in accordance with this. All premiums will typically increase to some degree each year to account for the inflation of healthcare costs.
Your premium will also increase in line with your age each year.

When you apply, let us know if you would like us to consider covering a pre-existing condition. Our underwriters will then make an assessment and provide an offer if they agree to cover this condition. An additional premium will apply as stated in the offer. Alternatively, Allianz may accept the application with exclusions, or decline cover.

Yes, you have a choice of 3 international areas of cover:
Worldwide excluding USA
Southeast Asia only
Southeast Asia excluding Singapore
All FlexCare plan do include some degree of coverage for life threatening medical emergencies outside your area of cover.

We operate a direct billing (cashless) facility within our network of medical providers for both in and outpatient treatment. Costs for treatment out of network are settled on a pay-and-claim basis.

Inpatient claims submitted via my health are limited to a maximum of THB 20,000 per-claim 2 times per policy year. Outpatient claims of up to THB5,000 per claim and 20 claims per policy-year may be submitted digitally via the Allianz My Health app.

Customers can benefit from the outpatient direct billing facility by simply showing their passport/ID card to the hospital cashier with their e-card/policy number.

Allianz approval is required to guarantee direct billing for inpatient treatment and can be obtained by contacting us on 1292 in Thailand or +66 26389333 outside Thailand. Within the Thailand network, the hospital will typically contact Allianz to make the necessary arrangements.

We recommend all policy holders to download and register to the app after which they will be able to obtain their e-card, policy details and claims status.

Note: when pre-approval is required, the due diligence process may take some time so it may be preferable for insured members to pay-and-claim in some circumstances.

Yes. You can pay your premium annually, quarterly or monthly. For the latter two options, additional charges are applicable and payment must be made by credit card only (Visa or Mastercard).

Yes. These plans are called FlexCare for a reason! You may:

• Choose a more limited coverage area (SE Asia only or SE Asia excluding Singapore)
• Add or exclude optional modules as required (outpatient, dental & optical, wellness)
• Lower the limit of your core plan and any optional modules
• Select an inpatient deductible*
• Select an outpatient co-pay*1
• Choose our restricted network access whereby we will not cover treatment at specified hospitals
• Choose to exclude pre-existing conditions rather than have them covered

^*Inpatient deductibles: the out-of-pocket expenses that the policy holder agrees to cover him/herself before any treatment costs may be claimed against the insurance policy. For example: You have a bill of THB90,000 and an inpatient excess of THB17,000 on your policy. You would pay THB17,000 of this bill Allianz would cover the remaining THB73,000. Deductibles are applied per-policy year.

 

^*1 Out-patient co-pays: the percentage of any outpatient expenses (0% / 10% / 20%) that the policy holder agrees to cover him/herself before treatment costs may be claimed against the insurance policy. For example: You incur outpatient costs of THB8,000 and your plan is subject to a 10% co-pay. You must pay THB800 out-of-pocket_ Allianz cover the remaining THB7,200. If you select a co-pay option it applies to every outpatient bill.

Yes. Examples include congenital birth defects, infertility treatment and sleep apnea. Please see the FlexCare plan guide for a full list of policy exclusions.

No. The policy start date must be either the date upon which we receive the completed application or within 30 days after receipt.

There are over 400 hospitals and clinics in our network.

You may transfer between FlexCare plans with our underwriters’ approval. Transfer from FlexCare to other plan types, and vice versa, is not permitted.

To purchase a different plan type, you would need to apply as a new joiner, and hence new underwriting terms may apply.

Premiums are inclusive of all applicable taxes and Stamp Duty.

No, PA provides a one-time lump-sum payment in the event of death or permanent disability due to accident. Medical treatment costs fall within the remit of the base medical plan.

Thailand residents (present in Thailand for 180 days of the policy year or more)

Thai or expatriate (work permit not required)

Newborn to 65 years of age

Under-18s must be a dependent on a parent’s policy

Applicants with no medical conditions declared

Applicants who have declared a medical condition in the application form but have been accepted by our underwriting team

Office workers or those who work from home. Applicants with other occupations must be approved by our underwriting team

A full premium refund is provided if the insured cancels the policy within the first 30 days and no claims have been made against the policy. The premium is refunded on a pro-rata basis if canceled after the first 30 days.