Two Types of Claims

Understanding which type of claim you're making will save you time and frustration.

1. Direct Billing (Cashless)

You're at an in-network Allianz Ayudhya hospital. The hospital bills Allianz directly. You pay only your co-pay or non-covered items at discharge.

You don't need to "file" anything — the hospital handles it. Your job is to present your insurance card and policy number at the insurance desk before treatment begins.

2. Reimbursement Claim

You paid for treatment yourself — either at an out-of-network hospital, an overseas clinic, or because direct billing wasn't set up in time.

This is when you need to file a claim. Here's exactly how to do it.

What You Need to File a Reimbursement Claim

Gather these before you start:

Always required:

✅ Completed Allianz Ayudhya claim form (I provide this to all my clients)
✅ Original hospital receipts with itemised breakdown
✅ Doctor's note or medical certificate describing diagnosis and treatment
✅ Copy of your passport (photo page)
✅ Copy of your insurance card / policy document

For hospital admissions:

✅ Discharge summary
✅ Operative report (if surgery was performed)

For prescription reimbursement:

✅ Original pharmacy receipts
✅ Doctor's prescription showing medication name and dosage

Deadlines

Submit within 90 days of the treatment date.

Missing this deadline is one of the most common reasons claims are rejected. Set a calendar reminder as soon as you're discharged.

How to Submit

Option 1 — Through me (recommended) Send me your documents via WhatsApp or email. I'll check everything is complete and correct before submitting. Missing or incorrect documents are the biggest cause of delays.

Option 2 — Direct to Allianz Ayudhya Submit to the Allianz Ayudhya claims department directly by post or email. I can provide the current submission address and email to all clients.

Processing Time

Standard claims: 7–14 business days after documents received
Complex claims (surgery, cancer treatment): up to 21 business days
Incomplete submissions: Clock stops until missing documents received

Why Claims Get Delayed or Rejected

In my experience, here are the most common reasons:

Missing original receipts Allianz requires originals, not photocopies or photos. Ask the hospital to reissue if you've lost them.

Diagnosis not clearly stated The medical certificate must clearly state the diagnosis and confirm it's not a pre-existing condition (or that it's a declared, covered condition).

Treatment not covered Cosmetic procedures, experimental treatments, and items specifically excluded in your policy won't be covered. Check your policy exclusions with me before treatment if you're unsure.

Claim submitted too late After 90 days, claims are almost always rejected unless there are exceptional circumstances.

Incorrect bank details Reimbursement is sent by bank transfer. Double-check your account number before submitting.

My Claim Support Service

When I set up your policy, I give every client a WhatsApp number and guide them through their first claim. If something is unclear, send me the documents first — I'll make sure everything is in order before we submit.

Get in touch to set up your policy — or if you're already a client and need claims support, WhatsApp me at +66 61 196 5363.

How to File a Health Insurance Claim in Thailand