Allianz Care Health Insurance in Spain

Allianz Care in Spain

Allianz Care is a strong choice for expats in Spain, particularly those who want European-based insurance with extensive flexibility. As a German company with deep European roots, Allianz has one of the strongest networks in Spain and across the EU.

The standout feature for Spain: Allianz offers high-deductible options that can reduce premiums by up to 60%. Given that routine healthcare in Spain is affordable, this strategy lets you save significantly while maintaining strong coverage for major expenses.

Spanish Visa Compliance

Allianz Care plans are accepted for Spanish visa applications, including:

• Non-Lucrative Visa (retirement visa)
• Digital Nomad Visa
• Student Visa
• Golden Visa

Meeting Visa Requirements

For Spanish visas, particularly the Non-Lucrative Visa:

• Choose Classic, Premium, or Platinum for outpatient coverage
• Request a zero-copay configuration if required by your consulate
• Ensure coverage starts before your visa appointment
• Request visa documentation in Spanish from Allianz

Network Coverage in Spain

Allianz Care has one of the most extensive networks in Spain among international insurers, with strong presence in all major cities and tourist areas.

Network Strengths

• Major cities: Excellent coverage comparable to local insurers
• Costa del Sol: Strong network for the large expat community
• European travel: Seamless coverage across EU countries
• Balearic Islands: Good coverage in Mallorca, Ibiza, Menorca

Allianz's European focus means particularly strong coverage if you travel between Spain and other EU countries — no separate travel insurance needed.

Plans and Pricing

Allianz Care offers four plan tiers with significant price variation based on deductible choice:

Prices for worldwide coverage excluding USA, €500 deductible. Prices drop significantly with higher deductibles.

The High-Deductible Strategy

Allianz's deductible options go up to €5,000, which can cut premiums by 50-60%. In Spain, this makes sense because:

• Private doctor visits: €50-100
• Basic blood tests: €30-60
• Specialist consultation: €80-150
• Urgent care visit: €100-200

With affordable local care, you can pay routine expenses out of pocket and save €100+/month on premiums. Your insurance then covers what matters: hospitalization, surgery, major illness.

Which Plan for Spain?

• Essential: Hospital and emergency only. Pair with high deductible for lowest cost.
• Classic: Adds outpatient. Good balance for most expats. Visa-compliant.
• Premium: Enhanced benefits including better mental health coverage.
• Platinum: Maximum coverage. Best for families or complex health needs.

vs Spanish Insurers

How does Allianz Care compare to Spanish companies like Sanitas or ASSSA?

Choose Allianz Care If:

• You travel frequently within Europe
• You want high-deductible premium savings
• You might relocate to another country
• Mental health coverage is important
• You prefer an EU-regulated insurer

Choose a Spanish Insurer If:

• You're committed to staying in Spain long-term
• Lowest possible premium is the priority
• You don't travel outside Spain
• You want the most extensive local network

See all Spain insurance options →

Using Your Insurance in Spain

Direct Billing

At network hospitals and clinics, show your Allianz card for cashless treatment. Allianz's strong Spanish network means direct billing is widely available in major cities.

Reimbursement

For non-network providers:

1. Pay the provider (keep itemized factura)
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 nearby network providers
• Submit claims with photo upload
• Access digital insurance card
• Track claim status
• Contact support directly

Language Support

Allianz offers multilingual support including English and Spanish. Claims documentation in Spanish is accepted without translation.

Who Should Choose Allianz in Spain

Common Questions

Is Allianz Care the same as Allianz Spain?

No. Allianz Care is the international health insurance division, separate from Allianz Seguros (the Spanish domestic insurer). Allianz Care provides global coverage; Allianz Spain provides local Spanish coverage only.

Can I use my Allianz Care policy if I return to Germany/EU?

Yes. Your coverage is portable across all countries. If you relocate from Spain to another EU country, simply update your residence. No new policy or underwriting required.

How does the high-deductible option work?

You 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.

Does Allianz cover dental in Spain?

Dental is an optional add-on, not included in base plans. Given that dental care is affordable in Spain (cleaning €40-60, filling €50-80), many expats skip dental coverage and pay out of pocket.

What if I need care in a small Spanish town?

You can see any licensed provider anywhere in Spain. In smaller towns without network providers, pay out of pocket and submit for reimbursement. For serious issues, Allianz can arrange transfer to a network hospital.