Allianz Health Insurance in China
Allianz for quite a long time has been the only foreign insurance company that didn’t engage in joint venture with a local partner. That has changed recently as they have signed partnership agreements with several local players pursuing larger penetration of the market. Most noticeable are Allianz JD, Allianz Huatai, Allianz Prosper, Allianz CPIC. Recently Allianz has also decided to appoint MSH as their service provider. This means that all ongoing support for direct billing and claims will be handed over to MSH on behalf of Allianz.
Allianz JD is the core selection of Allianz plans commonly known as Diamond series. There is also several options available here for child alone insurance policies. Meaning, adults can opt out of insurance and let kids under 18yo be insured on their own.
Allianz Huatai is a newly merged portfolio of ex Aetna clients. Once Aetna quitted China market in 2022, Allianz was the one to pick up their portfolio and runs it under their own brand now. You can also sign up for Ultracare plan with them directly now. Additionally, they take transfers from Aetna overseas insurance clients who seek relocation to Mainland China.
Allianz Prosper. Prosper is a member-centric insurance provider. Similar to MSH they do servicing on behalf of Allianz. However they have launched their own portfolio of plans that are available for all China residents.
Allianz CPIC or also known as Allianz China Pacific partnership. At current this company only works with corporate insurance schemes. They do not have individual or family insurance available for purchase in China.
Contact Allianz
- Allianz China Health Insurance Department 24 hour helpline toll free in China: 400 8866014
- 24 hour helpline outside of Mainland China: +86 010 85355624
- Email: Health.ClientServices@
allianz.cn - Claim address: Allianz China General Insurance Company Ltd., Shanghai Branch, Unit A22, 28F Shanghai World Financial Center, 100 Century Avenue, Pudong New Area, Shanghai 200120 中国上海市浦东新区世纪大道100号环球金融中心28楼A22单元安联财产保险(中国)有限公司上海分公司医疗险部 邮编:200120
Contact the emergency services
- Call an ambulance: 120
- Call the fire department: 119
- Call the police: 110
Allianz China has dedicated emergency hotlines for certain procedures for its health insurance clients. For instance, booking appointments and hospital representation. See below details.
Allianz Health Insurance in China Emergency Hotline
Download useful information
How to make a claim
- Once you receive medical treatment please ensure that hospital front desk gives you a chopped/stamped medical fapiao (can be e-fapiao), medical reports including diagnosis and list of prescribed medications
- If available you can submit your claim via the insurance company’s website or app from your smartphone
- Firstly, download a claims application form form the ‘Download Useful Documents’ section of this page and complete the form as best you can.
- Secondly, scan and send all documentation including the claim application form to claims@allianzhealth.cn
- The insurance company will then confirm that all documentation is in order and will ask you to submit the original claim documents to the insurance company’s office. Generally, if it is a non-China claim copies only may suffice.
- Insurance company will email you the claim application result and will reimburse eligible claim amounts to you bank account.
If you have Allianz health insurance plan in China you can also use Allianz MyHealth app to submit the claims online. Claim form is within the app so you can fill it out online too. If you are IoS user, you can only find the application if you are on China AppStore. Below are details:
Pre-authorization list
Please apply for pre-authorization with insurance company through the medical care or service hotline 48 hours prior to the acceptance of the following treatments or services:
- All in-patient benefits (where you need to stay overnight in a hospital) as well as day-care treatments
- Any expenses related to evacuation as well as repatriation
- Kidney dialysis&other sorts of long term care
- Advanced imaging, such as MRI (Magnetic Resonance Imaging), PET (Positron Emission Tomography) and CT-PET scans
- Nursing at home or in a convalescent home2
- Occupational therapy (only out-patient treatment requires pre-authorisation)
- Oncology (only in-patient or day-care treatment requires pre-authorisation)
- Out-patient surgeries
- Palliative care
- Rehabilitation treatment
- Routine maternity complications of pregnancy and childbirth (only in-patient treatment requires pre-authorisation)
While we discuss in more details Allianz Huatai insurance plans in another article, here we willl focus on another subsidiary – Allianz JD.
How can I purchase Allianz China health insurance?
It is a joint venture between Allianz Worldwide Care and Jingdong China, thus leading to a new name Allianz JD. In Chins they support clients through Diamond series of health insurance policies. Brief summary of them is below.
One more important difference between those, with Prime and Plus you can also enjoy outside area of cover benefits. But not under Care plan. Source: Allianz JD China
Care is a lower end version of the plans and it will not provide any mental health benefits, neither extra items like repatriation. Prime right now is by far the most popular what we see from experience. More than 65% of our clients with Allianz choose this as their policy.
Pros and Cons of Allianz insurance policies
- one of the highest dental limits. Minimal cover Allianz offers on their dental raider is RMB 15,000 per year. This is by far more than industry average of RMB 7,500.
- all dental bills will require certain % copayment of up to 50%
- Plus and Prime plans can offer you with none-prescribed physiotherapies
- one of the highest yearly annual increases on the market. On average Allianz was increasing their rates at 8% per year. That is more than most of other insurance companies in China
- Allianz is one of the few companies that will not provide you with no-claims discount even if you dont use your insurance
- great portability outside of China. More on this in our article of what insurance plans can be portable
- one of the highest wellness limits in the policy structure of RMB 6,000 per year
- Allianz is one of the few companies that provides medical repatriation benefit. This will kick in if it is reasonable to send you back home for an on going medical care
Below is a quick video outlining Allianz overseas portal for claim submission. Keep in mind that if your plan is administered by MSH, you will have other online tools.
FAQ
Is Allianz in China?
Allianz was a first whole foreign owned insurance provider in China since 2019. Prior to that they have been supplying high end insurance products through their joint venture partner. At present there are several Allianz entities locals and expatriates in China can purchase insurance from. Biggest are: Allianz JD, Allianz Huatai (ex Aetna company), Allianz Prosper and Allianz CPIC.
Where is Allianz China headquarters located?
Shanghai. Allianz Worldwide Care, which is the parent company of Allianz China is headquartered in Ireland.
Can I switch from my Allianz group insurance to individual plan once I leave my current employer?
Yes, you can. In most cases Allianz will apply continuous transfer terms which may impact slightly the insurance premium to ensure you enjoy continuation of cover. More on this in our article about different underwriting terms in health insurance plans.
Can I switch between different Allianz plans?
Yes, you can switch plans both within your Allianz entity as well as to others. Example can be moving from Diamond series to Allianz Huatai once a person starts a family. Great example because last one provides much higher family discounts compared to Allianz JD.