What is the m-Doctor service?

As part of the m-Doktor service, you can use Abi, a virtual health assistant. Ask a doctor a question anonymously at any time of the day or night via SMS or through popular messaging apps. The name and specialty of the doctor answering your question will always be visible, and every question will be carefully reviewed and answered as promptly as possible. With every newly purchased complementary health insurance policy for private customers, we provide the m-Doktor service free of charge for one year. During this period, you can consult a doctor at no additional cost, with a limit of one consultation (case) per month. After purchasing a complementary health insurance policy and the m-Doktor add-on coverage, you will receive an SMS or email from the ABI virtual assistant on your phone number with information about activation and details on how to use the m-Doktor service. To activate the service, you must reply to the message. You will receive this message within 30 days of the policy purchase date. After the complimentary period ends, the service is automatically deactivated. If you wish to continue using m-Doktor after the free period, you can subscribe to the service for EUR 1.99 per month (EUR 23.89 per year). In that case, you will have an unlimited number of inquiries for as long as you remain a service subscriber.

Which additional coverage comes with the Complementary Health Insurance policy?

For an additional fee, you can also arrange the m-Doctor service, home care or a daily fee for hospital treatment due to an accident or illness. Of course, you can contract all of the three mentioned.

Who should get Allianz Complementary Health Insurance?

People over the age of 18 who care about their health, have compulsory health insurance and want to insure themselves against potentially high co-payments in health care costs.

Is second medical opinion included in the policy?

Second medical opinion can be arranged with home care coverage.

What should I do if I have paid a co-payment or another healthcare service expense and am entitled to reimbursement?

If you have paid a co-payment or another healthcare service expense that is covered under your policy, you can submit a reimbursement request in one of the following ways: Via the m-Allianz mobile app: Open the m-Allianz app.Take a photo of the receipt and any required supporting documentation.Submit your reimbursement request. Via our website: Submit your request through the Health Claim Submission page. Important: The digital complementary health insurance card serves as a means of payment for co-payments with contracted providers, as well as for healthcare expenses such as medical examinations, diagnostic procedures, hospital treatment, physical therapy, and medical aids. If you have the Extended Package (A + B Medicines List), co-payments for medicines from the B list must first be paid at the pharmacy and then claimed for reimbursement by submitting a receipt issued in the insured person's name. The same applies to orthopedic and other medical aids obtained from pharmacies. If orthopedic or other medical aids are obtained from specialized healthcare institutions that are Allianz contracted providers, the co-payment is charged directly through the complementary health insurance card, so there is no need to submit a reimbursement request afterward.

Allianz Complementary Health Insurance offers you two packages of coverage

Regardless of which Complementary Health Insurance package you choose, it is possible to arrange additional coverage.

Learn more about the contents of the package.

	Basic package	Expanded package

Dispensing a prescription drug from the basic A list of drugs We cover a valid list of medications at the time of the insured event

Primary health care and hospital costs Health care provided by the chosen primary care physician: family (general) medicine, gynecology and dental medicine

Specialist examinations, diagnostics, laboratory tests Specialist - consultative health care, including day hospital and surgical procedures in day hospital. Specialist diagnostics that are not at the level of primary health care

Orthopedic, dental and other aids Orthopedic and other aids determined by the basic list of orthopedic and other aids. Dental aids determined by the basic list of dental aids for adults from 18 years of age

Digital participation card To pay the participation, it is enough to show your digital card which is located in the m-Allianz application on your mobile device.

Dispensing a prescription medicine from the supplementary B list of medicines - a maximum of 2 boxes per medicine If you purchase an Extended package that includes coverage for supplements for medicines from the supplementary list of medicines, the insurer covers a maximum of two boxes of the original packaging for each medicine from the B list in one insurance year. We cover a valid list of medications at the time of the insured event.

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Allianz Complementary Health Insurance offers you two packages of coverage

Basic package

Expanded package

Monthly premium per package

Basic package

Expanded package

Monthly premium per package

Basic package

Expanded package

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