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.
Allianz Care in Australia
Allianz Care offers German-backed international health insurance with competitive pricing for Australia. As one of the world's largest insurers, Allianz provides the financial stability and service quality expats need, often at 15-25% less than premium competitors.
For long-term expats in Australia, Allianz balances comprehensive coverage with reasonable pricing. The plan meets visa requirements and travels with you if you relocate.
€2M+
Maximum coverage
15-25%
Below premium competitors
Global
Coverage area
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Comprehensive coverage at competitive prices.
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Coverage Details
Allianz Care plans include:
- Inpatient care: Hospital stays, surgery, cancer treatment
- Outpatient care: GP and specialist visits (Classic/Premium)
- Mental health: Covered on higher tiers
- Maternity: Available with waiting period
- Emergency evacuation: Included (though rarely needed in Australia)
How It Works in Australia
Allianz operates primarily on a reimbursement model in Australia. You pay for care and submit claims for reimbursement. Some larger hospitals may offer direct billing if pre-arranged.
Claims processing is typically efficient, with most claims processed within 5-10 business days. The mobile app allows easy claim submission.
Plans and Pricing
| Plan | Coverage | Australia (Age 35) |
|---|---|---|
| Essential | Inpatient core | $140-180/mo |
| Classic | Inpatient + Outpatient | $200-260/mo |
| Premium | Comprehensive | $280-350/mo |
Value Comparison
Allianz typically costs 15-25% less than Cigna or BUPA for similar coverage levels. For a healthy 35-year-old, you might save $50-100/month while getting comparable core benefits.
The trade-off: slightly smaller direct billing network and potentially longer claims processing for complex cases.
Who Should Choose Allianz in Australia
Good Fit
- Value-conscious expats
- Long-term Australia residents
- EU expats (familiar brand)
- Those comfortable with reimbursement
- Expats who travel regionally
Consider Alternatives
- Those wanting extensive direct billing (Cigna)
- Corporate packages with premium service
- Digital nomads (SafetyWing)
- Students (need OSHC)
Ready for Value-Driven Coverage?
Get a personalized Allianz Care quote for Australia.
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Disclaimer: Prices are estimates for a healthy 35-year-old. Actual premiums depend on age, health history, and coverage selections.
