2star
Ürünstar 2.0
Allianz Life Insurance
Life's got its ups and downs, and Allianz Life Insurance is here to help you prepare for the uncertain stuff. Their insurance plans are designed to give you peace of mind, no matter what life throws your way. Whether you're dealing with a medical emergency or a financial setback, they've got you covered.
chevron_right
My Not-So-Great Experience with Alliance's DMS Policy
summarizeEditor's Summary
I've been offered a DMS policy with Alliance through my employer, but you get to choose the program. My advice on picking a voluntary medical insurance policy is to think carefully about what you need. Let's break it down: emergency medical transport, ambulatory and polyclinic care, dental coverage, and inpatient care. The website is a total letdown, and there's no publicly available information. You need to leave a request and wait for a call, which is super frustrating. I've got some serious concerns about the program, and I'm not sure it's worth the hassle.
settingsSpecifications
KararÖnermem
Kalite4/10
Güvenlik5/10
WebSitesi2/10
Verimlilik2/10
DentalKapama4/10
HizmetKalitesi3/10
KurumsalDestek1/10
UzunSüreliDestek1/10
İhtiyacDüzeyineUygunluk6/10
İhtiyacDüzeyineGöreTahmini7/10
I've been offered a DMS policy with Alliance through my employer, but you get to choose the program. My advice on picking a voluntary medical insurance policy is to think carefully about what you need.
Let's break it down:
Do you need emergency medical transport? Honestly, it's not a big deal in Moscow - ambulances get to you way faster than you'd expect.
Ambulatory and polyclinic care is a must, but be careful what you're getting - check which clinics are included in the program and their locations. I've got over 100 clinics in my policy, but many are far away, which can be a real hassle.
Do you want dental coverage? My policy only covers fillings and annual cleanings, no whitening or surgeries, which is a bit limited.
Optional inpatient care increases the premium, but I've never needed it - ambulances take you to the nearest hospital. I've had great experiences with public healthcare in Moscow, so I just pay for a private room when needed.
Now, the website is a total letdown. There's no publicly available information - you need to leave a request and wait for a call, which is super frustrating.
And the not-so-great stuff:
No program info on the website. You enter your details, and they'll call you. What a joke! I need clear, upfront information, not a phone call.
You need to call Alliance's hotline to get a guarantee letter for each medical center before visiting, which is a pain.
Coordinating clinic attachments is a total nightmare. You call Alliance, wait, and then... it's just a hassle.
Coordinating procedures, tests, and exams is a hassle - many things aren't covered, which can be confusing.
No physical policy - they send an electronic copy, and you need to print it on paper, which is a bit old-fashioned.
I've spent years dealing with Alliance's customer support, and it's been a hassle. Over eight years, I've had to call their hotline repeatedly, waiting for responses and providing my policy number and contact info. It's a hassle that's just not worth it, especially when you consider the value for money.
Given my experience, I wouldn't recommend buying this policy with your hard-earned money. I think they could do a lot better with their online services - clear information and easy communication would be a good start.
I've learned that it's essential to carefully weigh the pros and cons of any medical insurance policy, including Alliance's DMS policy. Don't expect a smooth experience - be prepared for a lot of hassle.
I've been disappointed with Alliance's policy, and I wouldn't recommend it to anyone. They need to step up their game and provide better services to their customers.
live_helpFeatured FAQ
What's the deal with emergency medical transport?
Honestly, it's not a big deal in Moscow - ambulances get to you way faster than you'd expect. But if you're concerned, you can check which clinics are included in the program and their locations.
How does the program work?
You need to leave a request on the website and wait for a call to get more information. It's a bit of a hassle, but you can also check the program details with your employer.
What's included in the dental coverage?
Fillings and annual cleanings are covered, but not whitening or surgeries. You should check the program details to see what's included.
Can I pay for a private room when needed?
Yes, you can pay for a private room when needed, but it's not included in the program. You should check with your employer to see if it's covered.
How do I choose the right program?
You should think carefully about what you need and what's included in the program. Check which clinics are included, what's covered, and what's not. It's a bit complicated, but it's worth it to get the right coverage.
What's the website like?
It's a total letdown - no publicly available information, and you need to leave a request and wait for a call. It's super frustrating, but you can also check the program details with your employer.
Can I cancel the program if I'm not satisfied?
You should check the program details with your employer to see if you can cancel. Some programs may have a penalty for canceling, so it's worth checking before signing up.
How do I know which clinics are included in the program?
You should check the program details with your employer or leave a request on the website to get more information. It's a bit of a hassle, but it's worth it to get the right coverage.
check_circlePros
- •The policy covers over 100 clinics, which is a plus.
- •Emergency medical transport is included, but it's not a big deal in Moscow - ambulances get to you way faster than you'd expect.
- •Ambulatory and polyclinic care is a must, but be careful what you're getting - check which clinics are included in the program and their locations.
- •Dental coverage is available, but it's limited to fillings and annual cleanings.
- •Optional inpatient care increases the premium, but I've never needed it - ambulances take you to the nearest hospital.
- •You can pay for a private room when needed, which is convenient.
cancelCons
- •The website is a total letdown - no publicly available information, and you need to leave a request and wait for a call.
- •The program is a bit complicated to understand, and the information is hard to find.
- •Not all clinics are included in the program, which can be a hassle.
- •Dental coverage is limited, and you're not covered for whitening or surgeries.
- •Optional inpatient care increases the premium, but it's not clear what's included.
- •You need to agree to a lot of paperwork and fine print, which is a pain.
