Allianz Care International
Allianz Care offers comprehensive international health insurance plans designed for expatriates and their families living abroad. Their flexible solutions provide coverage tailored to different stages of life with three distinct tiers of protection, ensuring you can find the right balance of coverage and cost.
Coverage Tiers & Benefits
Core Components
Maximum Annual Medical Coverage
| Plan Tier | Maximum Coverage |
|---|---|
| Care Pro | €3,100,000 / £2,460,000 / $5,000,000 / CHF 4,814,815 |
| Care Plus | €2,963,000 / £2,460,000 / $4,000,000 / CHF 3,852,000 |
| Care | €1,575,000 / £1,851,850 / $2,500,000 / CHF 2,407,400 |
Inpatient Coverage
| Benefit | Care Pro | Care Plus | Care |
|---|---|---|---|
| Hospital Accommodation | Private room | Private room | Semi-private room |
| Psychiatry and psychotherapy | Covered | Covered | Covered |
| Parent accommodation with child | Covered | Covered | Covered |
| Cancer Treatment | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses |
| Emergency in-patient dental | Covered | Covered | Covered |
| Day-care treatment | Covered | Covered | Covered |
| Kidney dialysis | Covered | Covered | Covered |
| Out-patient surgery | Covered | Covered | Covered |
| Nursing at home | Covered (limits apply) | Covered (limits apply) | Covered (limits apply) |
| Rehabilitation treatment | Covered (limits apply) | Covered (limits apply) | Covered (limits apply) |
| Pre and post-hospitalization tests | Covered | Covered | Covered |
| Local ambulance | Covered | Covered | Covered |
Emergency Room Coverage
| Plan Tier | Coverage Limit |
|---|---|
| Care Pro | €625 / £750 / $1,015 / CHF 975 |
| Care Plus | €625 / £750 / $1,015 / CHF 975 |
| Care | €208 / £250 / $338 / CHF 325 |
All plans cover emergency hospitalization, including local ambulance transportation. For trips
outside your coverage zone (up to 7 weeks), emergency medical treatment is covered under all
plans.
Maternity Coverage
| Benefit | Care Pro | Care Plus | Care |
|---|---|---|---|
| Complications of pregnancy | Covered (16-month waiting period) | Covered (16-month waiting period) | Covered (16-month waiting period) |
| Routine maternity | Optional via Bloom/Bloom Plus Plans | Optional via Bloom/Bloom Plus Plans | Not available |
Optional Components
| Component | Active Pro | Active Plus | Active |
|---|---|---|---|
| Outpatient Coverage | Comprehensive coverage including specialist consultations, diagnostics, and treatments | Mid-tier coverage for routine care needs | Basic coverage for essential outpatient services |
| Emergency & Crisis Evacuations | Included in Core Plans (medical evacuation when necessary treatment unavailable locally) | Included in Core Plans | Included in Core Plans |
| Routine Physical Examinations | Covered (includes physical exams, tests, and screenings) | Covered | Covered (more limited) |
| Preventive Screening Examinations | Comprehensive cancer screenings | Covered | Basic coverage |
| Telehealth Consultations | Video consultation services included | Video consultation services included | Video consultation services included |
| Extreme Sports | Uncovered | Uncovered | Uncovered |
| Dental Coverage | Optional via Smile Plus Plan (comprehensive coverage) | Optional via Smile Plan (basic coverage) | Optional via Smile Plan (basic coverage) |
| Vision Coverage | Covered (up to specified limits) | Covered (lower limits) | Limited coverage |
| Mental Support Coverage | 30 visits for psychiatry/psychotherapy | 15 visits for psychiatry/psychotherapy | Limited coverage |
| Vaccinations | Covered | Covered | Covered (limits may apply) |
Unique and Special Plan Features
24/7 Customer Service
Allianz Care provides a multilingual helpline available 24/7, offering support, guidance, and reassurance whenever needed. This service ensures policyholders can access assistance regardless of time zones or location.
Prepaid payment card provided by the insurer
Information not available in the provided documentation.
Mobile App
Allianz Care offers MyHealth Digital Services, allowing members to manage their policy through a user-friendly app or portal. Members can submit claims, find providers, and access policy documents digitally without paperwork.
Medical Case Management Service
The plan includes personal oncology case management services available 24/7 to support members from diagnosis throughout treatment. This service provides expert guidance through every step of cancer treatment.
Other unique features
- Expat Assistance Programme offering counseling and support services
- Travel Security Services with 24/7 access to security information
- TeleHealth Hub for remote medical consultations
- Second medical opinion service from independent medical experts
- Olive health and wellbeing program with tools for healthier lifestyle
Plan Rules
Minimum and Maximum Acceptance Age
Information not available in the provided documentation.
Plan is for individuals who live away from their home country for how long
Information not available in the provided documentation.
Geographic Zones of Coverage
Allianz Care offers three different geographical coverage options: Worldwide, Worldwide
excluding USA, and Africa only. The cost of coverage varies depending on which region you
select.
Coverage in my home country
Information not available in the provided documentation.
Minimum duration of policy
Information not available in the provided documentation.
Plan cancellation policy
Information not available in the provided documentation.
Can they exclude my new health conditions at renewal time?
Information not available in the provided documentation.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-authorization is required for certain treatments and procedures as indicated in the benefits
guide. This involves submitting a Pre-authorization Form to Allianz Care before receiving
treatment, allowing them to approve coverage in advance.
Deductible and Cost-Share Options
Allianz Care offers optional Core Plan Deductibles to reduce premium costs, with discount levels
depending on whether a Maternity Plan is included. Additionally, Out-patient Plan co-payments
are available with options of 10%, 20%, or 30% (subject to annual caps) to further reduce
premiums.
Pros & Cons
Insurer Details
Plan Name: Allianz Care International Healthcare Plans
Who is the insurer? AWP Health Life SA
Insurer’s Country: France (operating through Irish Branch)
Insurance Plan main website: http://www.allianzcare.com/
Bupa Global
