Frequently Asked Questions

Purchase

We are pleased to provide you answers to some of the most commonly asked questions about travel insurance from Allianz Global Assistance. If you have additional enquiries, please contact us at: travel@nextcarehealth.com

How much does a policy cost?

How much does a policy cost?

Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any options are required.

To find out how much a policy costs:

  • Click "Get A Quote"
  • Choose the policy type (single trip or annual trip)
  • Add optional cover if required (Winter sports)

  • Enter the dates and destination of the trip you require
  • Enter details of the persons requiring cover
  • Click 'Submit'

How can I buy a policy?

How can I buy a policy?

You can buy a policy online using one of these credit cards: Visa, Mastercard. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen entering your card details.

How do I know that buying my policy online is secure?

How do I know that buying my policy online is secure?

Allianz Global Assistance uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes for you to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal. For more information you could visit www.ssl.com but you can be assured that your transaction is at least as safe as any other normal offline credit card transaction. All of your personal details are protected and encrypted before they are sent for processing.

Cover

What if I change my mind about buying the policy?

What if I change my mind about buying the policy?

Once the premium has been paid, your policy cannot be cancelled, since the cancellation

cover under Section 1 (for Travel Gold and Travel Extra) begins immediately after purchase.

However, the cancellation is subject to sole discretion of the insurance company.

Premium refunds are only considered for single trip cover; When you are unable to obtain the

necessary visas., Please notify the issuing agent within 48 hours of receiving your certificate

of insurance or start date of the policy whichever is the earlier and return all your documents

along with a written rejection letter from the concerned embassy.

You should call us on telephone +961 595 66 00 or contact Travel@nextcarehealth.com

Can I buy Allianz Global Assistance travel insurance if I am not a resident of Lebanon?

Can I buy Allianz Global Assistance travel insurance if I am not a resident of Lebanon?

No, you can only be covered if you are a resident in Lebanon.

Does it matter who I book my travel arrangements through?

Does it matter who I book my travel arrangements through?

No, Allianz Global Assistance travel insurance may be purchased independently.

Does Allianz Global Assistance offer an Annual multi-trip policy?

Does Allianz Global Assistance offer an Annual multi-trip policy?

Yes, apart from policies for single trips of up to 90 days we also offer annual multi-trip cover. The annual multi-trip policy provides cover for any number of trips throughout the policy year, as long as no one trip is booked to last longer than 90 days.

Is there an age limit on the Allianz Global Assistance travel insurance policy?

Is there an age limit on the Allianz Global Assistance travel insurance policy?

Yes, our travel insurance policies are available to persons aged up to 65 years through our online sales , however individuals over 65 up to 75 years can contact Allianz SNA at +961 5 956 600

or write to

Allianz SNA S.A.L.

Allianz SNA Building,

Hazmieh, P.O. Box: 16 6528 Beirut - Lebanon

or email: info@allianzsna.com

When does cover begin and end?

When does cover begin and end?

You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased.

Single trip insurance cover ends on arrival to destination or on the date shown in your policy, whichever is earlier. Annual multi-trip policies terminate on the expiry date of the policy.

What is the maximum trip length?

What is the maximum trip length?

Single trip cover can be purchased for trips up to 90 days. Our annual multi-trip policy covers you for a year but no one trip within this period can exceed 90 days duration.

If I return home early do I get a refund of my premium?

If I return home early do I get a refund of my premium?

If you buy a 90 day single trip policy and return home after 60 days, the policy is terminated and you don't get a refund and you need to purchase a brand new policy for your next trip. Annual multi-trip policies offer the flexibility of travel however no one trip must exceed 90days.

Are there any exclusions to the policy?

Are there any exclusions to the policy?

Yes. Some exclusions and conditions are specific to individual sections and General exclusions and Conditions apply to the policy overall. There is also a Health declaration with health exclusions that apply for cover to be effective. Please read the policy wording carefully to ensure you have the cover you need.

Am I covered for any existing medical conditions?

Am I covered for any existing medical conditions?

The policy does not cover claims relating directly or indirectly to any existing medical conditions, if you or anyone to be insured has at the time of taking out this insurance or booking your journey (whichever is the later):

  • Been prescribed regular medication
  • Received treatment or had a consultation with a doctor or hospital specialist for any medical conditions in the past 6 months
  • Been referred to, treated by or are currently under the care of a doctor or a hospital specialist
  • Been diagnosed as having a terminal illness


Please click here to read the Health Declaration for more information.

Am I covered for skiing or other adventure activities?

Am I covered for skiing or other adventure activities?

Allianz Global Assistance travel insurance covers many adventure activities. To be covered for skiing and other winter sports you will need to add the 'Winter Sports' option when purchasing your policy. Please refer to the definition of 'Hazardous activity' within the policy document to understand what activities we do and do not cover. If in doubt, please send us an email to:info@allianzsna.com

Am I covered for loss of cash?

Am I covered for loss of cash?

No, providing that this section is not covered under your policy.

Policy

How do I get my insurance documents?

How do I get my insurance documents?

Allianz Global Assistance travel insurance is all online, so we do not send any policy documents in the post. When you buy a policy, we will send you an email confirming the cover you have purchased and policy documents for you to download, print and save. You can also download the policy document here to view the terms and conditions of the cover.

Can I purchase a policy if I have already started my journey?

Can I purchase a policy if I have already started my journey?

No, you cannot purchase the policy if you have already left on your travels.

If I have any queries, who do I contact?

If I have any queries, who do I contact?

Call our customer service line on +961 5 956600 or email at: travel@nextcarehealth.com

Claims

Can I still claim even if I don't have receipts for all my personal possessions?

Can I still claim even if I don't have receipts for all my personal possessions?

Yes. These claims will still be considered, please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?"

Who do I contact in the event of a medical emergency?

Who do I contact in the event of a medical emergency?

Our medical emergency team is available 24 hours a day to assist you. You can reach them by calling the UAE +971 4 270 8714 ; email at: international_dept@nextcarehealth.com

Who do I contact to make a claim?

Who do I contact to make a claim?

You can download the claim form appropriate to your circumstances by clicking on the Claims tab on the website. Alternatively you may contact us on email at: travel@nextcarehealth.com

How am I ever going to remember all these different contact numbers?

How am I ever going to remember all these different contact numbers?

We have made this easy for you. All the relevant contact numbers are summarised on the first page of your policy document. These can also be found by clicking the 'Contacts' tab on the website.

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