Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Overview
Allianz Care and IMG Global sit at different points on the price spectrum. Allianz Care offers comprehensive mid-range coverage with a large network and strong benefits. IMG Global focuses on affordability with high-deductible options that dramatically reduce premiums.
Allianz Care
- Network: 2M+ providers globally
- Flexible plan tiers (Essential to Platinum)
- Strong mental health coverage
- Established global brand
- Up to 60% savings with high deductible
IMG Global
- Trustpilot: 4.6/5 stars
- Lowest premiums in category
- Deductibles up to $25,000 available
- 50% deductible waived outside US
- High coverage limits ($8M)
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Coverage Comparison
Both providers cover the essentials, but Allianz Care offers more comprehensive benefits while IMG Global focuses on core medical coverage at lower prices.
| Feature | Allianz Care | IMG Global |
|---|---|---|
| Inpatient Care | ||
| Outpatient Care | ||
| Annual Maximum | $1M - $3M | $1M - $8M |
| Mental Health | Good coverage | Limited |
| Maternity | Up to $30,000 | Limited ($5-10K) |
| Dental | Add-on | Add-on |
| Medical Evacuation | $500,000 | |
| Deductible Options | $0 - $5,000 | $0 - $25,000 |
| Direct Billing Network | 2M+ providers | Smaller network |
| Wellness Programs | Included | Limited |
Key Differences
- Annual maximum: IMG Global offers higher limits ($8M vs $3M) on top plans.
- Mental health: Allianz Care provides better mental health coverage. IMG Global's is more limited.
- Maternity: Allianz Care offers significantly higher maternity limits ($30,000 vs $5-10,000).
- Deductible range: IMG Global goes up to $25,000 for maximum premium savings. Allianz caps at $5,000.
- Network size: Allianz Care has a larger direct-billing network (2M+ vs smaller).
- Wellness: Allianz Care includes more wellness and preventive programs.
Pricing
IMG Global is significantly cheaper than Allianz Care — often 30-40% less for similar deductible levels. The gap widens with IMG's ultra-high deductible options.
| Profile | Allianz Care | IMG Global |
|---|---|---|
| Single, Age 30 | $130-180/mo | $75-120/mo |
| Single, Age 45 | $200-280/mo | $120-180/mo |
| Couple, Age 35 | $260-360/mo | $150-220/mo |
| Family of 4 | $400-600/mo | $280-400/mo |
Prices based on moderate deductible plans excluding US coverage. IMG Global prices can be significantly lower with higher deductibles.
Notes on Pricing
- IMG Global with a $5,000+ deductible can cost 50%+ less than these estimates
- Allianz Care's high-deductible options bring prices closer to IMG
- IMG's 50% deductible waiver outside US adds value for non-US care
- Both charge significantly more for US coverage
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Network and Claims
Provider Networks
Allianz Care has a network of over 2 million providers worldwide, with particularly strong coverage in Europe and Asia. Direct billing is widely available.
IMG Global has a smaller direct-billing network, meaning you may pay upfront and file for reimbursement more often. However, you can see any licensed provider.
Claims Process
Allianz Care processes most claims within 5 business days through their MyHealth portal and app.
IMG Global has a strong claims reputation (4.6/5 Trustpilot) with typical processing in 5-10 business days. Their mobile app allows easy claim submission.
Customer Service
Both offer 24/7 support. Allianz Care has multilingual assistance lines. IMG Global is known for responsive customer service with high satisfaction ratings.
Who Should Choose Which
Choose Allianz Care If:
- Mental health coverage is important
- You may need maternity benefits
- You prefer a large direct-billing network
- Wellness programs add value for you
- You're based in Europe or Asia
- You want mid-range comprehensive coverage
Choose IMG Global If:
- Lowest premium is your priority
- You're healthy and rarely use healthcare
- You can handle a high deductible
- You don't need maternity coverage
- You want high coverage limits
- You're comfortable with reimbursement claims
Our Verdict
This comparison is about value versus price.
Choose Allianz Care if you want well-rounded international coverage with strong mental health benefits, better maternity, and a large direct-billing network. You'll pay more, but you get more.
Choose IMG Global if minimizing premium costs is your main goal and you're healthy enough to accept a high deductible. Their 4.6/5 Trustpilot rating shows they pay claims reliably despite the lower prices.
For young, healthy expats who primarily need catastrophic coverage, IMG Global offers excellent value. For those who want comprehensive benefits and may actually use their insurance regularly, Allianz Care is worth the premium.
Ready to Decide?
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Disclaimer: This comparison is for informational purposes only. Prices, coverage, and plan details change frequently. We are not insurance brokers. Verify all information with the providers before purchasing.
