Individual brochure

We’ll be the team behind your health - body and mind. We’ll provide you with the tools and expertise to help you to get into the best shape of your life.

We secure your future

International Healthcare Plans for Individuals and Families

Who we are

We’ll be the team behind your health - body and mind. We’ll provide you with the tools and expertise to help you to get into the best shape of your life.

Allianz has joined the Olympic and Paralympic Movements, as their Worldwide Insurance Partner from 2021-2028, helping to bring out the best in people.

About us

We are a company which employs a large number of expatriate staff. We see things from your perspective and experience and we’ve created the health insurance solutions that you’re looking for.

Our multicultural team is based across 26 countries, and collectively speak 37 languages. We also support our customers night and day, 365 days a year. We are here to ensure you have access to quality healthcare around the world.

We are Allianz. We’ve been in the international health insurance business for more than 50 years. We’re the expert healthcare partner chosen by expats who want to feel valued and cared for.

International healthcare insurance or travel insurance? Which one do I need?

Not sure which one is more appropriate for your case?
We give you a quick explanation so you can consider if international healthcare insurance is what you need.

International health insurance is designed for people who are abroad for long periods of time, months or years, (on their own or with their families) and want to be sure that they are covered for any medical needs. International health insurance is not the same as travel insurance, as International health insurance provides a more durable and comprehensive cover.

Duration

International health insurance
Long – the insured person is abroad for a few months or years

Travel insurance
Short – the insured person is abroad for a few days or weeks

Who

International health insurance
Expatriates living abroad or travelling for long periods of time (e.g. for months) due to work or lifestyle

Travel insurance
People going on holidays or short trips

Cover

International health insurance
Planned, unplanned and day-to-day medical treatment (either in-patient or out-patient), e.g. surgery, dental treatment, routine health checks, etc.

Travel insurance
Lost luggage/travel documents, cancelled trip, delayed departure, emergency medical treatment

Focus

International health insurance
The new life abroad

Travel insurance
The trip

Premium

International health insurance
Per year – renews each year

Travel insurance
Per trip – one-off

International health insurance* We know what’s important to you*

Moving abroad can be an adventure but leaving the familiar behind can be tough. Allianz Care is here to help support you – our international healthcare plans have been designed specifically to help meet your needs. From everyday doctor visits to more specific treatments.

Why
choose us

Are you planning to move to another country, on a study programme or business assignment? To support you through this exciting but perhaps stressful time, we offer you a combination of international health insurance products and services, to help you embrace your new chapter in life.

Quality cover
Our plans include comprehensive cover for you to access medical care anytime, anywhere*.

Peace of mind
We don’t just cover your healthcare costs. We go beyond to help you enjoy a healthy life, because we believe in care over cure.

Simplicity
We offer you simple and transparent services, where we try to answer questions timely.

‘Always-on’ assistance
Our plans include a range of digital services and 24/7 support channels – we’re always here, day and night, to take care of you.*

Flexibility and value for money
We offer you modular solutions, whereby you can choose what you want to be covered for and by how much. Also, discounts are available when insuring two or more children under your policy.

Family-friendly solutions
If you are taking your family overseas with you, choose to be covered for specific family benefits like well-child tests, vaccinations and more*.

Care for your family project
If you are planning for a baby, we offer you a range of comprehensive maternity benefits via our Maternity Plans*.

Digital for speed and convenience
We know how important digital technology is in our busy, modern life. You can avail of the advantages of our innovative digital tools*.

*Terms and conditions, geographical limits and regulatory restrictions apply. Please refer to the policy documentation for full list of terms and conditions, benefits and exclusions and any deductibles/co-payments.

Who are our plans for?

Our plans are comprehensive and flexible. They can be suitable for many types of customers and situations. A few examples of customers we currently help:

Young family with newborn baby moving abroad following dad’s new career opportunity

“We are not familiar with the healthcare system in the country where we are relocating. We want to make sure that we can avail of excellent care for our baby and ourselves whatever happens.”

What we offer:

A range of Out-patient Plans including family-friendly benefits, e.g. vaccinations, well-child tests, breastfeeding consultations child hearing exam, first aid course for parents and more.
The opportunity to personalise each family member’s cover (e.g. mum and dad can opt for a lesser level of cover than their children).
The freedom to choose providers from our global medical provider network (good if you don’t know any providers in your new country) or else use your favourite provider in your new country, in your home country or anywhere.
24/7 support channels – e.g. multilingual Helpline, Expat Assistance Programme, Travel Security Services*.
A paperwork-free, easy access to cover via our MyHealth Digital Services (desktop and mobile app version), allowing for online claiming, online policy administration and more*.

Single executive relocating abroad for business

“I need international health insurance, as I am about to move abroad and I plan to travel frequently back home to visit my family. I am a busy executive and I have no time for administration: my policy has to be easy to manage. I am also looking for value for money.”

What we offer:

The option to select your geographical area of cover to include the regions where you are going to live and travel (terms and conditions apply).
Comprehensive modular solutions, so you can choose what you want to be covered for, e.g. in-patient benefits only, or else you can add out-patient, dental or repatriation – as per your needs and budget.
The freedom to choose providers from our global medical provider network (good if you don’t know any providers in your new country) or else use your favourite provider in your new country, back home or anywhere.
Loyalty benefits (new benefits become active on your policy from your first renewal).
Innovative MyHealth Digital Services (desktop and mobile app version), allowing for online claiming, online policy administration and more.

Young student going to study at a foreign college

“I need budget-friendly cover in case I need medical care while abroad. I also want that my parents feel reassured knowing that I am protected when I am away.”

What we offer:

A range of options that allow you to create your budget-friendly, yet comprehensive cover. You can select the geographical area of cover that you need, the level of cover that you need, and you can add a deductible to further reduce your premium.
Digital access to your cover and services (including online claiming via mobile app or member portal) through our innovative MyHealth digital services.
24/7 multilingual Helpline, open day and night to assist you with simple cover queries or medical emergencies.
Access to 24/7 Expat Assistance Programme (EAP), to support you with a wide range of challenges, e.g. cultural transition, work/study balance, etc.

Established family relocating abroad following mum’s reassignment

“We need healthcare cover for both when we are in the new destination country and when we travel back home. We will be new in the country and are not familiar with the healthcare system there.”

What we offer:

A range of family-friendly benefits, e.g. well-child tests, child home nursing, child hearing exam, first aid course for parents and more.
Family discounts if you insure two or more children.
The opportunity to personalise each family member’s cover (e.g. mum and dad can opt for a lesser level of cover than their children).
The freedom to choose providers from our global medical provider network (good if you don’t know any providers in your new country) or else use your favourite provider in your new country, back home or anywhere.
24/7 support channels –e.g. multilingual Helpline, Expat Assistance Programme, Travel Security Services.

Young couple relocating abroad for work and planning for a baby

“We need a very comprehensive healthcare plan to cover our day-to-day medical needs and to support us in the event we have a baby in the new destination country. We try to maintain a healthy lifestyle, so we would like our plan to support our wellbeing too.”

What we offer:

A range of prevention and wellbeing benefits – also access to HealthSteps, our digital fitness app, to encourage your healthy lifestyle.
Two Maternity Plans covering mum and baby from start of pregnancy to delivery.
A range of Out-patient Plans including maternity-related benefits, for example breastfeeding consultations, pregnancy yoga classes, post-natal classes and more.
The ability to add a baby to your policy without underwriting from birth (terms and conditions apply).
The opportunity to include infertility treatment cover.

Female moving abroad with her child to join her husband, who has already relocated following a job reassignment

“I need a very comprehensive international healthcare plan to cover myself and my child, without obligation to include my husband on the policy, as he is already covered under his company’s healthcare scheme.”

What we offer:

No obligation to include both parents on the policy, so you don’t need to insure your husband if he doesn’t need this plan.
The opportunity to personalise the cover for yourself and your child (e.g. you can opt for a lesser level of cover than your child).
A range of Out-patient Plans including family-friendly benefits, e.g. well-child tests, vaccinations, child home nursing, child hearing exam, first aid course for parents and more.
Two Maternity Plans covering mum and baby from start of pregnancy to delivery.
Family discounts if at any point you insure two or more children.

Mature couple planning to spend their retirement in a warmer climate abroad

“We need an international healthcare plan that can give us peace of mind, should we need any medical attention while abroad. We will need cover for the small day-to-day things, but our main focus is on the bigger events (e.g. should we require hospitalisation).”

What we offer:

The ability to apply until the day before your 76th birthday.
Generous in-patient cover, including benefits like hospital accommodation, surgery, organ transplant, etc.
A range of benefits to cover the day-to-day medical care, including GP visits, prescription drugs, specialist fees, glasses and eye examination, etc.
The freedom to choose providers from our global medical provider network (good if you don’t know any providers in your new country) or else use your favourite provider in your new country, back home or anywhere.
A comprehensive Repatriation Plan that includes cover for the costs of someone accompanying the repatriated person.

How we can really help

The true story of one of our youngest members: baby Sofia.

Sofia’s parents, Andrea and Melanie, have been living in Singapore for business reasons for the last 7 years. Andrea is originally from Italy and Melanie is French-Korean. A few years ago, Melanie became pregnant with twins and gave birth to two beautiful girls (Sofia and Elena).

Elena was in very good health, but unfortunately it was not the same for baby Sofia: after some examinations, the doctors identified that something was not right with her oxygen levels. She was immediately admitted to the intensive care unit, underwent some scans and was finally diagnosed with a very rare medical condition: her pulmonary valve was missing and she also had a hole in her heart.

Sofia’s situation was so severe that her parents were not sure if she was going to survive. It was very hard for them to see the little baby connected to all those tubes and not being able to hold her. But at least the couple felt relieved for having Allianz Care cover and support: "The last thing you want to do in this situation is worry about the costs of the treatment. We felt very supported by Allianz Care in this difficult time.” The medical case was supervised in Allianz Care by one of the doctors in our Medical Team. “She followed up with us regularly to check how Sofia was doing, which was really nice and showed her human approach."

Sofia had three surgeries in total. The main surgery happened when she was 8 kg, big enough to undergo an open-heart surgery that took six hours. The surgery was successful and Sofia recovered really well. The twins are almost two years old now and have just started pre-school. Sofia is achieving all development milestones for a child at her age. She is a little fighter and went through a lot in her two years. We believe she takes her strength from her parents, as Melanie says: "Before having them, we weren’t even sure if we were ready yet to be parents but when Sofia and Elena were born, we had to be strong for them. We had to lead by example."

We are wishing Sofia, Elena, Melanie and Andrea all the best for their future.

Oncology user story

We offer one of the most comprehensive cancer cover in the market. More so than just covering oncology costs, we are here to support our members throughout their treatment. If members need additional support we can also organise case management* for peace of mind.

A 52 year-old member is diagnosed with cancer.

The member is confused by this diagnosis. He decides to request our second medical opinion service and unfortunately receives confirmation of the original diagnosis.

The member feels he needs support in this difficult time. He accesses our oncology case management service and is assigned with a case manager.

The case manager (one of our Medical Team professionals) discusses the case with the member and advises on treatment plan and most appropriate hospital to receive treatment.

His case manager liaises with the medical providers to ensure all aspects of upcoming treatment is in place and covered.

The member engages in treatment. He needs to go through many procedures and also surgery.

Throughout treatment, his case manager links with his medical providers on a regular basis to manage ongoing costs of treatment.

The member and his case manager talk periodically to check on treatment progress and to respond to any questions of the member.

In one of the calls, the member mentions that his family may need support to cope with his illness. The case manager suggests that they can access free-of-charge counselling via our Expat Assistance Programme.

The member can focus on his treatment while we take care of all the administration and the financial element of most procedures.

* The oncology case management service is intended to assist you in the coordination of your treatment journey and to ease the administrative burden. It does not provide medical or health advice and is not a substitute for professional advice, diagnosis or treatment. We are not liable for any claim, loss or damage directly or indirectly resulting from any act or omission of any third party medical providers including treatment, advice, diagnosis, misdiagnosis or failure to diagnose.

Our comprehensive oncology cover includes a wide range of internationally accepted treatments and services*:

Prevention &
screening

Cancer screening incl. BRCA 1 & 2

Diagnosis

Access to wide network of specialist facilities
Second medical opinion
Counselling via Expat Assistance Programme
Artificial intelligence – diagnostics (mammograms)

Conventional
Treatment

Stem cell/bone marrow transplant
Chemotherapy
Radiotherapy
Genetic testing

New
Treatment

Robotic surgery
Stereotactic surgery

Supervision/
remission

Tumour marker testing
Reconstructive surgery (affected side)
Oncologist consultation fees, scans, Diagnostic tests

End
of life

Palliative care/Hospice care
Travel costs to be with family member at end of life

* Please note this list of treatments and services indicated is not exhaustive and is for information purposes only. Please refer to your table of benefits to check if these treatments and services are included in your cover

How to create your plan

We know that undertaking an expat journey can be a daunting task: international health insurance is just one item in a list of many. Our goal is to help make choosing and purchasing cover as easy as possible.

We offer you a modular plan design: you can adapt your cover to suit your needs and budget requirements, choosing where you are covered, what is covered and (if you are insuring your spouse and/or your children under your policy) who is covered for what benefits.

Please ask your broker to guide you through choosing the most appropriate level of cover for your situation. To help you get started we have outlined below three simple steps.

Step 1

Select a Core Plan

This will be your base cover, protecting you for any big health events, e.g. if you need hospitalisation. Our Core Plans include a wide range of in-patient and day-care treatments, as well as other benefits such as medical evacuation.

We offer three different Core Plans to choose from, each providing a different level of cover. If you wish, you can choose different Core Plans for each person under your policy:

Care – Care Plus – Care Pro

Please refer to our Table of Benefits for further details.

Optional Core Plan deductible

If you wish to reduce the cost of your Core Plan, you can select a Core Plan deductible and we will apply a discount to your premium.

Step 2

Choose your supplementary plans*

These will allow you to personalise your cover, by adding the type of supplemental benefits that you may need. You can choose what supplemental plan applies to what person under your policy, as well as what level of cover applies to each person*.

Maternity Plans

Are you planning for a baby? Then you may need one of these. Our Maternity Plans cover routine maternity (pregnancy and delivery), any complications of childbirth (e.g. medically necessary C-section). Our Maternity Plans also include newborn care. We offer two levels of cover:

Bloom – Bloom Plus

If you are looking for additional maternity support benefits, you can select either Active Pro or Active Plus Out-Patient Plan which include benefits such as pregnancy yoga classes, breastfeeding consultation, post-natal counselling and more.

Out-patient Plans

These will cover you for day-to-day medical costs, e.g. if you need to go to your GP or need to buy prescriptions. They also cover routine screenings such as health and wellbeing checks and cancer screening. We offer three levels of cover:

Active – Active Plus – Active Pro

Optional Out-patient Plan deductible

If you haven’t selected a Core Plan deductible at Step 1, you may select an Out-patient Plan deductible; this will reduce your Out-patient Plan premium. Please note that either a Core Plan or an Out-patient Plan deductible can be selected.

Dental Plans

Ensure that your smile is protected. Our Dental Plans may cover dental care, orthodontic treatment and prostheses. We offer two levels of cover:

Smile – Smile Plus

Repatriation Plan

This plan covers you in the event that you need to be repatriated to your home country, where the medical treatment you need is not available locally. We offer one, comprehensive level of cover for repatriation.

Step 3

Choose your area of cover

We offer a choice of three different geographical areas of cover. The cost of your cover will go up or down depending on which region of cover you choose. The areas of cover are subject to our terms and conditions.

Worldwide

Worldwide excluding USA

Africa only

*Certain plans can only be selected in conjunction with other specific plans. Please request from your broker a copy of our Table of Benefits for full details.

Cover for pre-existing and chronic conditions

Worried that a pre-existing condition in your (or your family’s) medical history may impact your cover acceptance? Don’t be. We can provide cover for the vast majority of pre-existing or chronic conditions (subject to medical underwriting).

On average, we accept 70% of applications received for cover, with no additional exclusions or extra cost.

Within the limits of your chosen plan(s), we cover chronic conditions that arise while your membership is in effect. No specific restrictions apply to the maintenance or ongoing supervision of such conditions. Eligible costs are covered under the benefits outlined in the Table of Benefits.

Examples of pre-existing/chronic conditions which we may cover:

Asthma
Dermatitis
Gallstones
Gastritis
Hiatus Hernia

Hypercholesterolemia
Hypertension
Kidney stones
Prostatitis
Thyroid disorders

Allergies
GERD
Migraine
Infectious tropical diseases

Over 90% of fully completed applications we receive are underwritten within 48 hours.

How to access cover

We know that you will be busy getting settled in your new country, so we try to keep your policy administration down to a minimum. When it comes to accessing medical care, we have a very straightforward process in place that will allow you to concentrate only on getting better.

Direct settlement for in-patient costs

We have direct settlement arrangements in place through our global medical provider network. This allows you to access treatment on a cashless basis, as we will pay the eligible costs directly to your medical provider.

To access direct settlement, for all in-patient treatment and certain out-patient treatments, you/your medical provider will need to send us a completed Treatment Guarantee Form in advance of treatment. The Treatment Guarantee process helps us assess your case, organise everything with the hospital before your arrival and make direct payment of your hospital bill easier, where possible*.

Reimbursement for out-patient and dental costs

For out-patient treatment (e.g. doctors’ visits or dental treatments), you will simply settle the bill at the time of treatment and then claim back the eligible medical expenses from us*.

You can claim back your eligible costs via MyHealth digital services (either mobile app or online portal version): simply fill in a few key details of your claim, take and attach a picture of your invoices and press ‘Submit’.

Swift 48 hour claims process

We can process a claim and issue payment instructions to your bank within 48 hours, when all of the required information has been provided.

* Detailed information and terms and conditions related to the Treatment Guarantee and claiming process are outlined in our Benefit Guide.

Our integrated services

To us, international health insurance is about more than just medical costs. That’s why we’ve included in our plans a number of added services at no extra costs, to help you maintain a healthier lifestyle, keep well and access appropriate assistance when needed.

Expat Assistance Programme*

Offers access to a range of 24/7 multilingual support services.

Travel Security Services*

Offers 24/7 access to personal security information and advice for all your travel safety queries.

Olive*

Our Health & Wellness support program, is designed to motivate and guide you towards a healthier life.

MyHealth Digital Services*

Submit claims, view policy documents, check benefits available, use our symptom checker, access our Telehealth Hub and more.

Second Medical Opinion*

Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended.

To know more about our services please see our Global Health Services brochure

Click here

* Certain services which may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, HealthSteps app, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The HealthSteps app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.

And remember, we are always on

We understand that emergencies or even simple concerns don’t always happen at a convenient time. We offer a range of support services which are available 24/7. No matter the time or the query, we’re here and ready to help. These services are included in all our policies.

Allianz Care Helpline

Our 24/7 multilingual Helpline is always available, day and night, to respond to any queries on your policy or if you need assistance in case of an emergency.

Medical evacuation service

Locally assisted medical evacuation services, using the most suitable local partner to provide fast, convenient and safe transport to a medical facility. You can access this service by simply calling our Helpline.

How to apply

To get advice on your health insurance options, receive a quote, or apply for cover with Allianz Care, simply contact your broker, who will advise you on the best options to suit your requirements.

If you wish to apply for one of our international healthcare plans, your broker will provide you with an Application Form to complete OR will complete your details online on our Quote & Buy tool. You may include your spouse/partner and/or children on your application.

Your broker will then send your completed application to our Underwriting Team. We will underwrite it: it means that we will evaluate the status of your health (as well as the health of your dependants, if applicable), as declared by you on your application. This will determine if we can cover you and if so, what cover we can offer to you. When we finish our evaluation, we will contact you to confirm if we can offer cover. If you accept it, we will send you a Membership Pack containing your terms and conditions and your invoice with the applicable premium.

We will activate your cover (and the cover of any dependants). You will need to pay the premium by the deadline stated on your invoice.

Green thinking. We provide policy documentation to new members in soft copy – this means they are available immediately via email or by logging onto your secure MyHealth digital services.

Frequently asked questions

Q. Who is eligible to apply?

A. We will consider applicants for cover up to the day before their 76th birthday.

Q. Can I cover my family members under my policy?

A. Yes. The persons eligible for cover under your policy are your spouse/partner together with any children under the age of 18, or under the age of 24, if in full-time education.

Q. What is a deductible and how is it applied?

A. A deductible is part of the medical costs that you have to pay. If you chose a deductible among those available (e.g. €100), you will pay your medical bills until you reach that amount – then we will start covering your eligible expenses, according to the terms and conditions of your policy. If you select a deductible, we will apply a discount on your premium.

Q. Will my plan cover any medical conditions that started before my policy was activated?

A. In many cases, yes. It will depend on the type of medical conditions and other factors. We will consider an applicant’s pre-existing medical conditions on a case by case basis during the underwriting process. This is the reason why we ask you to respond to some questions on your (and any dependants’) medical status as part of your application. Please respond to all these questions accurately: if you are in any doubt as to whether a fact is material or relevant to the application, then please disclose it.

Q. What happens if I move country or return to my home country?

A. It is important that you contact us as soon as possible if you change your country of residence. This may impact your cover or premium, even if you are moving home or to a country within your existing area of cover. If you move to a country outside of your current geographical area of cover, your existing cover will not be valid and therefore it is very important that you discuss this with us or your broker as early as possible. Please note that cover in some countries is subject to local health insurance restrictions, particularly for residents of that country. It is your responsibility to ensure that your healthcare cover is legally appropriate. If you are in any doubt, please seek independent legal advice as we may no longer be able to provide you with cover. The cover provided by us is not a substitute for local compulsory health insurance.

Q. What happens if I am outside of my selected area of cover and I need a treatment?

A. Your policy offers you cover for the emergency treatments outside your area of cover. This means that you will be covered for the medical emergencies occurring during business or holiday trips outside your area of cover. Full details are available in our Benefit Guide.

Q. Which hospitals can I go to?

A. You can search for medical providers via the Hospital, Doctor and Health Practitioner Finder on our website: www.allianzcare.com/members. Please note that you are not restricted to using providers from this directory and we do not always hold direct settlement agreements with the providers listed. Treatment Guarantee is required prior to in-patient treatment, as well as certain other treatments as specified in your Table of Benefits. We will, where possible, try to arrange the direct settlement of your in-patient medical expenses with your medical provider.

Q. Can I cancel my cover?

A. You can cancel the contract in relation to all insured persons, or only in relation to one or more dependants, within 30 days of receiving the full terms and conditions of your policy or from the start/renewal date of your policy, whichever is later. Please note that you cannot backdate the cancellation of your membership. If you wish to cancel your cover or the cover of a dependant, a “Right to change your mind” form will be included in your Membership Pack which you will need to complete and return to us.
If you cancel your contract within this 30 day period, you will be entitled to a full refund of the cancelled member(s) premiums paid for the new Insurance Year, provided that no claims have been made.