Allianz Travel Insurer Provides Virtual Emergency Room

Posted in Travel Insurance, Travel Talk

Consumers who purchase a travel insurance policy are provided with a hotline they can access anytime from anywhere in the world. Last year, the highly-respected travel insurer Allianz Global Assistance received some 56,000 inbound calls, ranging from concierge-type requests for things such as help in finding a destination guide to serious medical issues requiring evacuation. As you can see, not every hotline call is a medical emergency. Even so, the medical piece of insurance is crucial, and many of the calls Allianz receives are of a medical nature.Travel Insurances Medical

When a medical case file is opened, an Allianz case manager establishes contact with the insured and finds out detailed information about where they are located and how best to communicate with them. Then Allianz’s medical team assesses the patient in a ‘virtual emergency room,’ since they’re obtaining information without looking at the patient. The company looks for registered nurses with a minimum of five years of emergency room experience to staff that team. Allianz also employs six medical directors, who are physicians from the University of Virginia, and a chief medical officer, all of whom are specialized in aeromedical transports.

The first thing the medical team looks at is the client’s location and whether he or she is in an appropriate facility. They get a copy of the patient’s medical report, as well. Meanwhile, the case manager works with the billing office. Since Allianz’s goal is to provide cashless service, it has agreements with many hospitals that will accept a letter of guarantee from the company in lieu of payment from the client.

Allianz’s medical team continues to monitor patients once they are in an appropriate medical facility, and it starts to determine how to get them home. Commercial flights aren’t always an option, depending on their condition, in which case they can be evacuated by an air ambulance. The Allianz medical team has the support of 34 offices around the world and contracts with more than 110 “ground agents” who can assist in other destinations.

Traveling can sometimes pose risks, and the inevitable can happen. Travel insurance offers both protection and peace of mind.

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