Allianz International Health Insurance Plans

Allianz is an expert in providing expatriate international health insurance plans to companies, individuals and families through Allianz Worldwide care.

Allianz has several subsidiaries offering local health insurance plans within Indonesia (Allianz Indonesia), India (Bajaj Allianz) and Pakistan (Allianz EFU).

Allianz offers a high level of health insurance coverage with options to add on extra medical benefits, creating a flexible and comprehensive health plan for customers worldwide.

Allianz have won several awards for providing quality health insurance products and exceptional claims services. In 2008, Allianz was awarded ‘Best International Private Health Group’ and two years later received the award for 'Best General Insurance Company of the Year' in 2010. Allianz' success was further evident in 2010 when its profit had increased 22 percent from the previous year, which was attributed to its substantial growth in life and health insurance products.

Allianz Bajaj is the first insurance company in India to introduce an in house claims centre, increasing the service standard and customer benefits available within that region.

Allianz International Health Insurance Plans:

Allianz offers international health insurance plans for expatriates living overseas through Allianz Worldwide care.

International health insurance plans have also been created specially for those living in Channel Islands and Latin America.

Allianz Worldwide care:

• Individual health insurance plans:
  Premier Individual
  Club Individual
  Classic Individual
  Essential Individual
• Allianz Business Health Insurance plans

International Health Insurance Plans for:

• Latin America GlobalPass Choice
• Channel Islands

Allianz Local Health Insurance Plans:

Allianz local health insurance plans are available for nationals living in Indonesia, India and Pakistan. Health insurance plans are available for companies, individuals, and families.

Allianz Indonesia:

• AlliSya Care
• SmartHealth Maxi Voilet – Individual Health Insurance
• SmartHealth – Group Health Insurance

Bajaj Allianz:

• Individual Health Guard
• Health Ensure
• Extra Care
• Family Floater Health Guard
• Tax Gain Plan
• Personal Guard
• Critical Illness
• Life + Health Insurance
• Hospital Cash
• Silver Health
• Insta Insure
• Sancat Mochan

Allianz EFU:

• Tahaffuz
• Business health insurance plan

For more information about Allianz health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.

Allianz Worldwide Individual and Family Plans

Allianz Worldwide individual health insurance plans include a core plan, with options to add on additional benefits including an outpatient plan, maternity, dental plan, and repatriation.

• 1. Select a Core Plan

  • Select level of core plan:
  • Premier Individual – highest level of coverage
  • Club Individual
  • Classic Individual
  • Essential Individual

• 2. Select additional coverage: outpatient, maternity, dental and repatriation

  Outpatient Plan

  • Select level of outpatient plan: Gold Individual, Silver Individual, Bronze Individual, Crystal Individual.
  • You also have the option to add on deductibles

  Maternity

  • Select level of maternity coverage: Premier maternity or Club maternity

  Dental Plan

  • Select levels of dental plan: Dental 1 or Dental 2

  Repatriation Plan

  • Repatriation benefits, one level available

Allianz Worldwide Business Plans

Allianz Worldwide business health insurance plans include a core plan, with options to add on additional benefits including an outpatient plan, dental plan, and repatriation.

Both individual and business worldwide plans have a similar plan structure – a core health insurance plan, with options to add on benefits.

• 1. Select a Core Plan

  • Select level of core plan:
  • Premier – highest level of coverage
  • Club
  • Classic
  • Essential

• 2. Select additional coverage: outpatient, maternity, dental and repatriation

  Outpatient Plan

  • Select level of outpatient plan: Gold, Silver Individual, Bronze, Crystal.
  • You also have the option to add on deductibles

  Dental Plan

  • Select levels of dental plan: Dental 1 or Dental 2

  Repatriation Plan

  • Repatriation benefits, one level available

Allianz Worldwide Business health insurance plans for:

• Channel Islands
• Latin America GlobalPass Choice

For more information about Allianz Lifeline health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.

Individual international health insurance plans

Allianz has four levels of health insurance plans that are designed for expatriates living overseas including premier, club, classic, essential.

All Allianz individual international health insurance plans offer coverage for emergency evacuation and repatriation, private cancer treatment, private or semi private room, maternity care, organ transplant and psychiatric treatment, among other comprehensive benefits.

Individual worldwide plans have a core health insurance plan, with options to add on benefits.

1. Select a Core Plan: premier, executive, club, classic, or essential.
2. Select additional coverage: outpatient, maternity, dental, and repatriation

Core Plan: premier, club, classic, essential

Premier Individual

• Highest level of Core Plan cover
• Maximum coverage: EUR 2,250,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €4,250), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Home birth (up to €1,000)
• Lazer eye treatment
• One treatment per lifetime (up to €1,000)
• Organ transplant
• Psychiatric treatment
• 10 month waiting list
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €4,420)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)
• Accidental death (up to €10,000)
• Between age 18-70

Club Individual

• Maximum coverage: EUR 1,500,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €4,250), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Home birth (up to €1,000)
• Lazer eye treatment
• One treatment per lifetime (up to €500)
• Organ transplant
• Psychiatric treatment
• 10 month waiting list
• (up to €6,000)
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €4,420)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)
• Accidental death (up to €10,000)
• Between age 18-70

Classic Individual

• Maximum coverage: EUR 1,250,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €4,250), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Home birth (up to €1,000)
• Organ transplant
• Psychiatric treatment
• 10 month waiting list
• (up to €5,000)
• Cancer treatment
• alliative care (maximum 30 days)
• Rehabilitation treatment (up to €4,420)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)
• Accidental death (up to €10,000)
• Between age 18-70

Essential Individual

• Maximum coverage: EUR 500,000
• Inpatient cover: semi-private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €4,250), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Home birth (up to €1,000)
• Organ transplant (up to €10,000)
• Psychiatric treatment
• 10 month waiting list
• (up to €5,000)
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €4,420)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days and up to €10,000)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)
• Accidental death (up to €10,000)
• Between age 18-70

Select additional coverage: outpatient, maternity, dental and repatriation

Outpatient Plan

• Select level of outpatient plan:
• You also have the option to add on deductibles
• Gold Individual
• Silver Individual
• Bronze Individual
• Crystal Individual

Maternity

• Select level of maternity coverage (premier or club)
• Premier maternity
• Coverage after 10 month waiting period
• Routine Maternity
• Outpatient including prenatal care
• Up to €7,500 per pregnancy
• Pregnancy complications and child birth
• Up to €15,000 per pregnancy
• Club maternity
• Coverage after 10 month waiting period
• Routine Maternity
• Outpatient including prenatal care
• Up to €5,000 per pregnancy
• Pregnancy complications and child birth
• p to €10,000 per pregnancy
• Coverage:
• Selection to choose from Worldwide Coverage, Worldwide excluding US, Africa only.

Dental

Select level of dental coverage (Dental 1 or Dental 2)

Dental 1

• Highest level of dental cover
• Maximum coverage no limit
• Dental treatment
• Annual dental check up with X-rays, amalgam fillings and root canal treatment
• Dental surgery
• Tooth extraction, congenital abnormalities such as cleft jaw, fractures. Does not include dental implants.
• Dental periodontics
• 80 percent refund on treatment
• Treatment for gum diseases
• Orthodontic treatment and prosthesis
• 65 percent refund, up to €5,000
• 10 month waiting period applies
• Treatment to correct teeth alignment such as braces
• Crowns, restorative bridges, dentures and implants

Dental 2

• Maximum coverage €2,050
• Dental treatment
• Annual dental check up with X-rays, amalgam fillings and root canal treatment
• Dental surgery
• Tooth extraction, congenital abnormalities such as cleft jaw, fractures. Does not include dental implants.
• Dental periodontics
• 80 percent refund on treatment
• Treatment for gum diseases
• Orthodontic treatment and prosthesis
• 65 percent refund, up to €5,000
• 10 month waiting period applies
• Treatment to correct teeth alignment such as braces
• Crowns, restorative bridges, dentures and implants

Repatriation Plan

Allianz offers comprehensive repatriation benefits, to provide expatriates with access to quality medical care when the level of health care is not available.

• Repatriation to home country
• Emergency ambulance and air transportation
• Repatriation of mortal remains
• Return journey after recovery
• Access to 24 hour Allianz helpline to organise emergency assistance including emergency air transportation and locating medical facilities
• If a treatment guarantee is not issued by Allianz, treatment may be declined. If treatment is medically necessary, 50 percent may be paid by Allianz.

Business health insurance plans

Allianz has five levels of business health insurance plans that are designed for international companies including premier, executive, club, classic, essential.

All Allianz business international health insurance plans offer coverage for emergency evacuation and repatriation, private cancer treatment, private or semi private room, maternity care, organ transplant and psychiatric treatment, among other comprehensive benefits.

Both individual and business worldwide plans have a similar plan structure – a core health insurance plan, with options to add on benefits.

1. Select a Core Plan: premier, executive, club, classic, or essential.
2. Select additional coverage: outpatient, maternity, dental, and repatriation

Deductibles are also available to reduce the cost of the plan.

Core Plan: premier, club, classic, essential

Premier

• Highest level of Core Plan cover
• Maximum coverage: EUR 7,500,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €4,250), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Home birth (up to €1,000)
• Organ transplant
• Psychiatric treatment
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €4,420)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)
• Accidental death (up to €10,000)
• Between age 18-70

Executive

• Maximum coverage: EUR 1,500,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €3,550), diagnostic tests, dental emergency outpatient treatment (up to €750)
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Up to €6,000
• Normal child birth delivery
• Pregnancy complications and child birth
• Organ transplant
• Psychiatric treatment
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €3,500)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)

Club

• Maximum coverage: EUR 1,125,000
• Inpatient cover: semi-private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €2,830), diagnostic tests
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Normal child birth delivery
• Pregnancy complications and child birth
• Organ transplant
• Psychiatric treatment
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €3,000)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)

Classic

• Maximum coverage: EUR 1,125,000
• Inpatient cover: private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €2,500), diagnostic tests
• Emergency outpatient (up to €750)
• Maternity: Coverage after 10 month waiting period
• Pregnancy complications and child birth
• Organ transplant
• Psychiatric treatment
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €2,500)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)

Essential

• Maximum coverage: EUR 500,000
• Inpatient cover: semi-private room, emergency, diagnostic tests, surgical operations, hospital accommodation, nursing care, dental emergency inpatient.
• Inpatient cash benefit: if you receive treatment at a public hospital, a cash benefit will be awarded to you €150 per night, up to 25 nights
• Outpatient cover: day surgery, home nursing (up to €2,500), diagnostic tests
• Organ transplant (up to €10,000)
• Psychiatric treatment
• Cancer treatment
• Palliative care (maximum 30 days)
• Rehabilitation treatment (up to €2,000)
• Parent accommodation if child (under 18 years) is in hospital
• Ambulance: local
• Emergency treatment outside of area of coverage (up to €10,000 maximum 42 days)
• Medical evacuation
• Ambulance transportation
• Accompaniment (up to €3,000)
• Repatriation of mortal remains (up to €10,000)

2. Select additional coverage: outpatient, dental and repatriation

Outpatient Plan

Allianz Outpatient Plans provide you with comprehensive to core coverage for commonly used outpatient treatment.

There are four levels of coverage: gold, silver, bronze, and crystal.

Deductibles are also available to reduce the cost of the plan.

Gold

• Maximum coverage: no limit
• Medical practitioner and prescription medicines
• Specialist fees
• Diagnostic tests
• Vaccinations
• Chiropractic treatments (maximum 12 sessions), osteopathy (maximum 12 sessions), homeopathy, chinese herbal medicine, acupuncture
• Prescribed physiotherapy, speech therapy, oculomotor therapy, occupational therapy
• Routine health checks including cancer screenings (up to €1,200)
• Infertility
• Coverage after 18 month waiting period
• Up to €12,000 per lifetime
• Psychiatric treatment
• Up to 30 visits
• Prescribed medical aids
• Prescribed glasses and contact lens (up to €200)

Silver

• Maximum coverage: EUR 9000
• Medical practitioner and prescription medicines
• Specialist fees
• Diagnostic tests
• Vaccinations
• Chiropractic treatments (maximum 12 sessions), osteopathy (maximum 12 sessions), homeopathy, chinese herbal medicine, acupuncture
• Prescribed physiotherapy, speech therapy, oculomotor therapy, occupational therapy
• Routine health checks including cancer screenings (up to €1,200)
• Infertility
• Coverage after 18 month waiting period
• Up to €12,000 per lifetime
• Psychiatric treatment
• Up to 20 visits
• Prescribed medical aids (up to €2,500)
• Prescribed glasses and contact lens (up to €180)

Bronze

• Maximum coverage: EUR 5,500
• Medical practitioner and prescription medicines (up to €1,000)
• Specialist fees
• Diagnostic tests
• Vaccinations
• Treatments: Chiropractic treatments (maximum 12 sessions), osteopathy (maximum 12 sessions), homeopathy, chinese herbal medicine, acupuncture
• Up to €500
• Prescribed treatments: Physiotherapy, speech therapy, oculomotor therapy, occupational therapy
• Up to €1,125

Crystal

• Maximum coverage: EUR 2,500
• Medical practitioner and prescription medicines (up to €1,000)
• Specialist fees
• Diagnostic tests
• Treatments: Chiropractic treatments (maximum 12 sessions), osteopathy (maximum 12 sessions), homeopathy, chinese herbal medicine, acupuncture. Up to €500
• Prescribed treatments: Physiotherapy, speech therapy, oculomotor therapy, occupational therapy. Up to €1,125

Outpatient Plans: Deductibles

Deductibles are offered on our plans to provide members with the option to reduce the cost of their premium.

Dental Plan

Allianz dental plans have high limits of coverage with two dental plans available (Dental 1 and Dental 2). Allianz dental plans offer 80 to 100 percent refund on dental treatment, dental surgery, and treatment for gum diseases. Up to €5,000 is offered for dental orthodontic treatments such as braces.

Dental 1

• Highest level of dental cover
• Maximum coverage no limit
• Dental treatment
• Annual dental check up with X-rays, amalgam fillings and root canal treatment
• Dental surgery
• Tooth extraction, congenital abnormalities such as cleft jaw, fractures. Does not include dental implants.
• Dental periodontics
• 80 percent refund on treatment
• Treatment for gum diseases
• Orthodontic treatment and prosthesis
• 65 percent refund, up to €5,000
• 10 month waiting period applies
• Treatment to correct teeth alignment such as braces
• Crowns, restorative bridges, dentures and implants

Dental 2

• Maximum coverage €2,050
• Dental treatment
• 80 percent refund on treatment
• Annual dental check up with X-rays, amalgam fillings and root canal treatment
• Dental surgery
• 80 percent refund on treatment
• Tooth extraction, congenital abnormalities such as cleft jaw, fractures. Does not include dental implants.
• Dental periodontics
• 80 percent refund on treatment
• Treatment for gum diseases
• Orthodontic treatment and prosthesis
• 50 percent refund, up to €5,000
• 10 month waiting period applies
• Treatment to correct teeth alignment such as braces
• Crowns, restorative bridges, dentures and implants

Repatriation Plan

Allianz offers comprehensive repatriation benefits, to provide expatriates with access to quality medical care when the level of health care is not available.

There is one repatriation plan available:

• Repatriation to home country
• Emergency ambulance and air transportation
• Repatriation of mortal remains
• Return journey after recovery
• Access to 24 hour Allianz helpline to organise emergency assistance including emergency air transportation and locating medical facilities
• If a treatment guarantee is not issued by Allianz, treatment may be declined. If treatment is medically necessary, 50 percent may be paid by Allianz.

For more information about Allianz Lifeline health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.