Allianz Care International Health Insurance Review

Overview

Allianz Care is the international health insurance arm of Allianz Partners, part of Allianz SE—one of the world's largest insurance and financial services companies. With an A+ Superior rating from A.M. Best, they bring significant financial backing to the expat insurance market.

The company offers international health coverage for expats, digital nomads, students, and families living abroad for 12 months or more. They're known for flexible plan options and a massive global provider network.

Plans and Coverage

Allianz Care offers three main plan tiers—Base, Enhanced, and Signature—each with increasing coverage limits and benefits. All plans include inpatient care as a foundation, with optional add-ons for outpatient and dental coverage.

Core Coverage (All Plans)

• Hospital stays with private room accommodation
• Surgical procedures and specialist treatment
• Cancer treatment (oncology covered up to plan maximum)
• Medical repatriation
• Emergency evacuation
• Health and wellbeing checks

Enhanced and Signature Extras

• Maternity: Routine pregnancy, childbirth, and complications (12-month waiting period)
• Bariatric surgery: Weight loss surgery (24-month waiting period)
• Fertility treatment: Up to $9,450 on Signature plan (12-month waiting period)

Optional Add-Ons

• Outpatient: Doctor visits, diagnostics, prescriptions, eye exams, glasses/contacts
• Dental: Preventive and restorative dental care

Geographic Coverage Options

Choose your coverage area based on where you'll be living:

• Worldwide (including USA)
• Worldwide excluding USA
• Europe
• Africa

Note: Allianz Care is not available if you reside in Brazil, Dubai/UAE, Germany, Ireland, Iran, North Korea, Russia, or countries under international sanctions.

Pricing

Allianz Care pricing depends on your age, plan tier, deductible choice, coverage area, and optional add-ons. Excluding US coverage reduces premiums significantly.

Estimated Monthly Premiums (Worldwide excluding USA)

• Age 25: €95-110/month ($100-120)
• Age 35: €110-140/month ($120-150)
• Age 45: €135-180/month ($145-195)
• Age 55: €220-300/month ($240-325)
• Age 65: €350-400/month ($380-435)

Estimates based on Enhanced plan with moderate deductible. Actual prices vary.

Ways to Reduce Premiums

• Higher deductibles: Up to 60% savings with €10,000 deductible
• Exclude US coverage: Significant savings if you won't visit the US
• Pay annually: Avoid 3-5% surcharges for monthly/quarterly payments
• Regional coverage: Europe-only plans cost less than worldwide

Payment Options

Pay annually (0% surcharge), half-yearly (3%), quarterly (4%), or monthly (5%). Bank transfer and debit card accepted; monthly payments require direct debit.

Pros and Cons

Claims and Service

Filing Claims

Allianz Care processes claims through their online portal and mobile app. According to the company, 74% of claims are processed within 24 hours, and most within 48 hours.

• Online claims submission via MyHealth portal
• Mobile app for claims and ID cards
• Direct settlement with network hospitals for inpatient care
• Reimbursement for out-of-network care

Customer Service

Allianz Care provides 24/7 emergency assistance and customer support. They also offer:

• MediLine Medical Advice Service (speak with medical professionals)
• Telemedicine Hub for remote consultations
• Expat Assistance Program (counseling, legal and financial referrals)

Customer Reviews

Customer experiences vary. While some praise the coverage and provider network, others report frustrations with claims handling and customer service responsiveness. Common complaints include:

• Difficulty getting claims approved for certain conditions
• Strict interpretation of pre-existing condition exclusions
• Inconsistent service quality

As with any insurer, document everything and understand your coverage before you need to use it.

Pre-Existing Conditions

Allianz Care uses full medical underwriting. When you apply, you'll disclose your health history and they'll decide what to cover. Pre-existing conditions may be:

• Covered with limitations
• Excluded temporarily
• Excluded permanently
• Subject to premium loading

Be thorough and honest on your application—undisclosed conditions can result in claim denials.

Who It's For

Allianz Care may be a good fit if you:

• Want a large, established provider with global reach
• Prefer flexible deductible options to control costs
• Need coverage in Europe, Africa, or Asia (non-US)
• Value included extras like telemedicine and expat assistance
• Are under 75 and in reasonably good health

It may not be ideal if you:

• Live in Germany, Ireland, UAE, or Brazil (not available)
• Have significant pre-existing conditions
• Need maximum flexibility to cancel mid-year
• Prioritize customer service ratings above all else

Alternatives to Consider

If Allianz Care doesn't seem like the right fit, consider these alternatives:

• Cigna Global: Larger provider network, strong customer service reputation. Read our review
• BUPA Global: Premium option with comprehensive benefits and strong service
• IMG Global: Budget-friendly with high-deductible options
• Aetna International: Good choice for seamless US coverage integration

See our Cigna vs Allianz comparison