Allianz Care: the Allianz group's international health insurance for expatriates

Allianz Care is the international health insurance brand of Allianz Partners. According to the regulatory information page of the website, policies are underwritten by AWP Health & Life SA, a company incorporated under French law acting through its Irish branch in Dublin, and supervised by the Autorité de contrôle prudentiel et de résolution. It is therefore an insurer, not a broker.

The range for individuals was overhauled at the end of last year around three main plans, Care Base, Care Enhanced and Care Signature, to which optional outpatient modules can be added. A separate short-term offering exists for stays of less than one year.

• Care Base: overall limit of up to €1,000,000³ per insured person and per insurance year.
• Care Enhanced: overall limit of up to €2,000,000², maternity included.
• Care Signature: overall limit of up to €3,703,705¹, maternity included.

Limits are published in pounds, euros, dollars and Swiss francs depending on the policy currency. The insured person chooses a coverage area: worldwide, worldwide excluding the United States, Africa or Europe. Excluding the United States is the main price lever; non-emergency treatment outside the area is not covered.

Medical evacuation is provided when the necessary treatment is not available locally; medical repatriation to the home country is only provided if it appears in the table of benefits and if that country is included in the coverage area.

Two underwriting methods coexist. With full medical underwriting, new applications are accepted up to up to 75 years⁷; with moratorium underwriting, without a detailed medical questionnaire, up to up to 64 years⁶. The moratorium excludes pre-existing conditions for 24 months⁴ from the start date, provided no symptoms or treatment have occurred in the meantime.

Maternity, included in Care Enhanced and Care Signature, is subject to a waiting period of 12 months⁵. Bariatric surgery, also reserved for these two plans, is stated to have a waiting period of the same length as the moratorium.

The exclusions listed in the benefits guide include, among others, cosmetic treatment, fertility treatment, experimental treatment, alcohol or drug addiction, extreme or professional sports, self-inflicted injuries and participation in war or criminal acts.

We did not find, on the accessible official pages, the schedule of optional deductibles or the specific limits for evacuation and repatriation: they appear in the table of benefits, which we were unable to consult.

No price schedule is published: the premium is set on quotation according to age, area, plan, modules and the deductible chosen. Paying in instalments incurs a surcharge, and a cooling-off period runs from the start date; after that period, the policy can in principle only be cancelled at the annual renewal date.

• The medical underwriting method chosen, which determines both the age limit and the treatment of pre-existing conditions.
• The coverage area in relation to planned stays, particularly in the United States.
• Whether maternity is included — it is absent from the basic plan — and its waiting period.
• The table of benefits for the chosen plan, the only document that sets deductibles and sub-limits.