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, deductible amount, or non-covered items at discharge. If you hold more than one insurance policy, you can coordinate benefits across them — for OPD, tell the payment counter after treatment; for IPD, tell the finance department about your other coverage.

You don't need to "file" anything — the hospital handles it. Your job is to present your insurance card or passport at the insurance desk before treatment begins. This is the most common scenario for in-network hospitals — the desk checks your coverage in the system in real time, and treatment proceeds without you paying a cent.

2. Reimbursement Claim

You paid for treatment yourself — either at an out-of-network hospital in Thailand, 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)

How to Submit

Option 1 — Through your agent (recommended) Send me your documents via WhatsApp or email. I'll check everything is complete and correct before submitting, and follow up directly with Allianz if anything is delayed or needs clarification. Missing or incorrect documents are the biggest cause of delays.

Option 2 — Through the My Allianz app Submit directly yourself for smaller claims — up to 20,000 THB for IPD, 5,000 THB for OPD.

Processing Time

Standard claims: 3–7 days after documents received
Complex claims (surgery, cancer treatment): up to 14 business days
Incomplete submissions: Clock stops until missing documents received
Major surgery: contact us first to arrange a pre-claim — we'll coordinate directly with Allianz to keep things moving quickly
Occasionally, Allianz digs further into your medical history if a condition might have existed before your policy started. This check takes up to 90 days once your full history is received — it's a normal part of the process, and we'll coordinate with Allianz and push to keep it on track

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 — and hospitals generally can't reissue them once they're gone. Keep your originals somewhere safe, and photograph them as a backup just in case.

Diagnosis not clearly stated The medical certificate must clearly state the diagnosis, confirm it's not a pre-existing condition (or that it's a declared, covered condition), and show the treatment was medically necessary under current medical practice. Not sure if yours is clear enough? Ask our team — and if Allianz comes back saying the doctor's notes weren't clear, we can help arrange a follow-up confirmation letter from the doctor.

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.

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