Allianz Group Hospitalisation Waiting Period

Allianz GHS Waiting Period

Allianz Group Hospitalisation and Surgical (GHS) insurance plans have a waiting period of 30 days before the coverage becomes effective. Except for the accidental injury.

Click the button below to contact Allianz Insurance Agent Jeffrey Teoh, to answer your questions on this insurance plan.

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Allianz GHS Waiting Period

A waiting period refers to the amount of time that an employee must wait before their group insurance coverage becomes effective. It is typically specified in the group insurance brochure, policy, and proposal.

The waiting period for Allianz group insurance coverage will depend on the policy and plan. For example, Allianz Group Hospitalisation and Surgical (GHS) group insurance plan will only start 30 days after the policy’s effective date.

This means that employees will not be able to make any claims for any medical expenses incurred within the waiting period.

It is important for the employees to understand the waiting period for their group insurance coverage. And employers should communicate these waiting period details clearly to them.

Allianz GHS Pre-Existing Condition Waiting Period

The waiting period for Allianz GHS Pre-Existing condition is 120 day waiting period. The coverage will only be effective 120 after the policy’s effective date. This is only applicable if:

1. The insured member has received or is receiving the treatment
2. The medical advice, diagnosis, care, or treatment has been recommended
3. The symptoms are clear and distinct or were evident.

*All new applications are subject to these terms and conditions

Allianz GHS Specified Illnesses Waiting Period

The waiting period for Allianz GHS Specified Illness is 120 waiting days, and the coverage will only be effective after the policy’s effective date. Examples of specified illnesses are:

1. Hypertension, diabetes mellitus, and cardiovascular disease.
2. All tumors of any kind, cancers, cysts, nodules, polyps, and stones of the urinary and biliary system.
3. All ears, nose (including sinuses), and a throat condition
4. Hernias, hemorrhoids, fistulae, hydrocele, varicocele
5. Endometriosis including disease of the reproduction system
6. Vertebro-spinal disorders (including disc) and knee conditions.

*All new applications are subject to these terms and conditions

Allianz GHS Waiting Period Exemption

Above is the summary of the Allianz Group Hospitalisation and Surgical insurance plan waiting period. 120 days for Pre-Existing Conditions and Specified Illnesses. And 30 days for Any Disability (except injury).

However, Allianz is able to waive the waiting period, with the condition that the company can provide the required documents. The required documents are as below and are subject to Allianz’s approval.

1. Last year’s policy contract
2. Last year’s invoice with member detail
3. Last year’s claim listing

To know and understand more details on this Allianz GHS waiting period exemption, get in touch with our Allianz insurance agent, Jeffrey Teoh.

Contact Allianz Insurance Agents for Group Insurance

Jeffrey Teoh has over 20 years of distinguished working experience with the best group insurance company in Malaysia. Contact Jeffrey on his mobile phone at +60102719089. He can work with you to create the best plan to meet your employee benefits program and group insurance budget plans.

Or send in the form below for Jeffrey to call you to scope your needs for a quotation.