As a ‘global health provider’, Allianz offers a range of different insurance options including health, life, disability, and employee benefits (1).
Offering 24-hour support to all its clients and interested parties, Allianz is committed to helping individuals find the most suitable insurance plans for them and their specific needs.
In situations where individuals may need additional support in funding their treatments or therapies – including in the case of addiction – Allianz may be able to support these individuals so that more attention can be given to the issues at hand, rather than having to worry about whether or not this is something that they can afford.
This article will focus on the different factors included in healthcare covered by Allianz – especially those that relate to addiction and whether individuals in specific situations may be eligible for this type of healthcare insurance.
As mentioned above, no one wants to focus on the logistics and finances behind addiction treatment as well as having to deal with the addiction themselves and the effects of this.
In many cases, addiction and its associated issues often worsen if left untreated (2), meaning that individuals who find themselves struggling with these issues should ensure that they find suitable care as soon as possible.
By finding a suitable healthcare insurance provider to cover the treatments and therapies that these individuals need, far less energy and concerns will surround the cost of these treatments and is something that all individuals considering addiction rehab treatments should consider.
The specific rehabs accepting Allianz Health insurance, rather frustratingly, keep changing, and so we’ve since decided not to list the specific rehabs that do, because this is subject to change.
Please contact our helpline on 0800 140 4690 for the full list of rehabs currently accepting payment via Allianz Health insurance.
Depending on the individual’s specific plan and coverage through Allianz Health Insurance, Allianz International Health plans for UK individuals may include rehabilitation treatments under the heading of “inpatient and/or day care inpatients”.
However, every individual case will be different and individuals entering some form of drug and alcohol rehabilitation programme should ensure that they are covered before initiating any specific treatment plans.
In addition, the three different plan types (Care Pro Plan, Care Plus Plan, or Care Plan) also cover different levels of care, as well as the costs that are covered within these programmes.
At the time of writing, the coverage for rehabilitation treatment is as follows:
Through Allianz Health Insurance, individuals may be able to access the following services and forms of rehabilitative care, though each individual case is different and individuals should ensure that they are aware of what is and what is not available to them:
As mentioned in the previous paragraphs, the amount of treatment that an Allianz Health Insurance plan will cover depends on the specific plan that the individual has signed up to.
This is always something that an individual should ensure that they are aware of before beginning care in order to avoid future misconceptions and lack of coverage of care.
In addition, individuals should always be aware of the ‘medical necessity’ that their addiction treatment will incur, as this is something that healthcare insurance companies look for specifically in order to ensure that their support and coverage is going to individuals who require it for medical wellbeing.
In general, individuals should directly contact Allianz Care to begin any form of cover through this provider.
Through this, individuals will be given direct details to log into their account and keep track of any claims that they have, as well as to check the details of any future claims and care that they may intend to partake in.
For specific rehab programmes and centres, Allianz has a list of pre-authorised providers, meaning that these are the providers that will be covered by Allianz Health Insurance, and not any others.
To coordinate payment, the rehabilitation provider will need to be in contact with Allianz care as well, meaning that pre-authorisation and informing Allianz of these intentions is essential. This will be covered throughout the approval process.
Due to the international nature of Allianz Health Insurance’s cover, individuals will be able to access a range of different treatment options around the world.
This is dependent on the pre-authorisation of Allianz, as well as the limitations that may be in place due to the individual’s specific type of plan.
This will also fall under the category of “inpatient/day patient cover for rehabilitation”, so individuals will also need to consider their plan in this respect to ensure that they will be covered as much as they are expecting to before beginning any programme of care.
In most cases, it is best to directly speak to Allianz Care about the presence of pre-existing conditions and if these are eligible for covered treatment under the individual’s specific plan.
However, most of their policies state that if a condition has been symptomless and untreated for over 24 months (2 years), then this may be eligible for cover.
Rehab 4 Addiction always suggests checking these specific details well in advance of receiving any care, as being aware of the restrictions for this form of care are at the discretion of Allianz.
In the case that Allianz Health Insurance may not be able to cover an individual in their rehabilitation treatment needs, then there are other sources of support that an individual can turn to in order to access vital treatments.
For example, in the UK individuals often have access to the National Health Service (NHS) which offers free treatment to most UK residents – some of which includes rehabilitative support and treatment.
However, it is important to note that NHS services are often high in demand, meaning that many vital treatments may have long waiting lists. This is often highly detrimental to an individual struggling with addiction due to the worsening effects that addiction can have if left untreated for a period of time.
In any case of needing further support and information concerning addiction in general, healthcare insurance, and further financial support for rehabilitation, Rehab 4 Addiction is available for free and confidential advice 24/7.
To get in touch and start your rehabilitation journey, speak to a member of our professional addiction advice team on 0800 140 4690 today.
[1] Allianz Care; About Us; https://www.allianzcare.com/en/about-us.html
[2] Rounsaville, B.J. and Kleber, H.D., 1985. Untreated opiate addicts: how do they differ from those seeking treatment?. Archives of general psychiatry, 42(11), pp.1072-1077.
