Allianz Care Health Insurance in Mexico

Allianz Care in Mexico

Allianz Care offers a strong option for expats in Mexico who want international coverage with significant cost-saving flexibility. Their high-deductible options can cut premiums by up to 60%, which works especially well in Mexico where routine healthcare is affordable.

As a German company with global reach, Allianz provides solid worldwide coverage that's fully portable if you relocate from Mexico to another country.

Worldwide Coverage from Mexico

Unlike Mexican insurers that only cover you in Mexico, Allianz Care provides worldwide coverage that travels with you.

Coverage Options

• Worldwide excluding USA: Full coverage everywhere except the US (US emergency only). Lower premiums.
• Worldwide including USA: Full coverage including the US. Higher premiums but essential for border residents or frequent US visitors.

Portability Advantage

If you move from Mexico to Spain, Thailand, or anywhere else, your Allianz policy moves with you. No new underwriting, no coverage gaps, no starting over. This is valuable for expats who might not stay in Mexico permanently.

Network Coverage in Mexico

Allianz Care has a good network in Mexico, with direct billing available at major private hospitals in principal cities and tourist areas.

Network Strengths

• Major cities: Strong coverage at top hospitals in Mexico City, Guadalajara, Monterrey
• Tourist areas: Good coverage in Cancun, Riviera Maya, Puerto Vallarta, Los Cabos
• Expat destinations: Coverage in San Miguel de Allende, Merida, Lake Chapala area
• Flexibility: Use any licensed provider and submit for reimbursement

While Allianz's network is smaller than local Mexican insurers, it covers the private hospital networks where most expats seek care.

Plans and Pricing

Allianz Care offers plans with significant price variation based on deductible choice and US coverage:

Prices show base rates. Adding US coverage increases premiums by approximately 70-80%.

The High-Deductible Strategy in Mexico

Allianz's deductible options go up to $5,000, which can cut premiums by 50-60%. In Mexico, this makes excellent sense because routine care is affordable:

• Doctor visit: $30-60
• Specialist consultation: $50-100
• Basic lab work: $20-50
• Urgent care: $50-100

Many expats pay routine expenses out of pocket and use insurance only for major expenses — hospitalization, surgery, cancer treatment.

Which Plan for Mexico?

• Essential (Excl. USA): Hospital and emergency only. Pair with high deductible for lowest cost while maintaining catastrophic coverage.
• Classic (Excl. USA): The balanced choice. Full coverage at competitive pricing for Mexico-based expats.
• Classic (Incl. USA): Adds US coverage. Good for border residents or frequent US visitors.
• Premium (Incl. USA): Maximum coverage including US. Best for those who want comprehensive protection.

vs Mexican Insurers

How does Allianz Care compare to Mexican insurance companies like GNP or BUPA Mexico?

Key Difference: Deductible Structure

Mexican insurers use "per-illness" deductibles that apply over your lifetime. International plans like Allianz use annual deductibles that reset each year. Which is better depends on your health and how long you plan to stay.

Choose Allianz Care If:

• You want high-deductible premium savings
• Worldwide portability matters
• You prefer annual deductibles
• Medical evacuation is important
• You might relocate from Mexico
• You travel internationally frequently

Choose a Mexican Insurer If:

• You want the most extensive Mexican network
• You're staying in Mexico permanently
• Lowest premium is the priority
• You prefer billing in pesos
• Per-illness deductibles work for you

See all Mexico insurance options →

Using Your Insurance in Mexico

Direct Billing

At network hospitals, show your Allianz card for cashless treatment. Major hospitals like ABC, Médica Sur, and Hospital Ángeles locations accept direct billing.

Reimbursement

For non-network providers:

1. Pay the provider (get factura with RFC)
2. Submit via MyHealth app or online portal
3. Typical processing: 5 business days
4. Reimbursement to your bank account

MyHealth App

Allianz's MyHealth app lets you:

• Find network providers in Mexico
• Submit claims with photo upload
• Access digital insurance card
• Track claim status
• Contact support directly

Medical Evacuation

Allianz includes medical evacuation — critical if you live outside major cities and might need transport to Mexico City, Guadalajara, or the US for specialized care.

Who Should Choose Allianz in Mexico

Common Questions

How does the high-deductible option work?

Choose a deductible ($500-$5,000) when purchasing. You pay healthcare costs up to that amount each year. After reaching your deductible, Allianz covers the rest. Higher deductible = lower premium. In Mexico, where a doctor visit costs $40, a $2,500 deductible saves significant premium while keeping major expenses covered.

Can I use Allianz Care and IMSS together?

Yes. Many expats enroll in IMSS (~$500/year) for basic coverage, then keep Allianz for private hospitals, international coverage, and major medical situations. IMSS handles routine care; Allianz handles everything else.

What if I move from Mexico?

Your Allianz coverage continues unchanged. Simply update your residence. No new underwriting, no coverage gaps. Move to Spain, Thailand, or anywhere in your coverage area without starting over.

Does Allianz cover dental in Mexico?

Dental is available as an add-on, not included in base plans. Given that dental care is very affordable in Mexico (cleaning $30-50, filling $50-80), many expats skip dental coverage and pay out of pocket.

How does Allianz compare to Cigna for Mexico?

Both are strong options. Cigna has a slightly stronger brand presence in Mexico and more US-focused features. Allianz offers better high-deductible savings and is EU-regulated. If US coverage is essential, compare both. If you want maximum premium savings, Allianz's deductible options are more aggressive.