Allianz Care international health insurance review

About Allianz Care

Allianz Care is a global insurance company that offers international health, life, and disability insurance coverage as well as health and protection services to students, individuals, and families directly or through employers and groups. Allianz Care provides its customers access to a network of more than 900,000 medical providers in over 180 countries. It has over 1,300 employees across 25 countries.

Eligibility

Age

In order to purchase an Allianz Care international health insurance plan, you must be between 18 and 75.

Pre-existing conditions

Pre-existing conditions (including any pre-existing chronic conditions) are generally covered unless Allianz Care indicates otherwise in your policy documents.

Allianz Care international health insurance plan options

Core plans

Allianz Care offers 3 core plans to individuals and families. They include:

• Care Pro
• Care Plus
• Care

Optional add-on plans

You may add optional coverage to your plan for an additional cost. You cannot purchase an optional plan on its own. It must be purchased with one of the core plans above. Also, you can add any of the optional plans to any of the core plans, except for the Maternity plan, which can only be added if you have the Care Pro or Care Plus plan.

Optionals plans include:

• Maternity plans with 2 options to choose from
• Outpatient (outside of hospital admission) plans with 4 options to choose from
• Dental plans with 2 options to choose from
• Repatriation plan

Area of coverage

Allianz Care offers 3 areas of coverage: worldwide, worldwide excluding the United States, or Africa only.

COVID-19 coverage

Allianz Care says the following with regards to COVID-10 coverage: “All customers who have symptoms of fever and cough, and have consulted a doctor who prescribed a test, are fully covered for reasonable and customary costs for tests and treatments for COVID-19 infection and any resulting complications, within the limits of your policy. The invoice for the test should be accompanied by the medical prescription confirming suspicion of COVID-19 infection.” In other words, Allianz Care covers COVID-19, but what’s covered, how much you have to pay out of pocket, etc. depend on the plan you have. For example, if you’re admitted to a hospital due to COVID-19, your annual benefit limit and deductible still apply.

Plan coverage

Below are some of the benefits that Allianz Care’s plans cover. The core plans do not cover Maternity care and outpatient (outside of hospital) treatments, such as routine physicals, doctor visits for a cold, vaccinations, immunizations, cancer screenings, pap smears, blood tests at a doctor’s office, and prescriptions. To get these coverages, you can get add-on plans. Note: the maternity add-on plans have a 16-month waiting period. For more details on all of the benefits covered by Allianz Care plans as well as any other benefit limits, see its Table of Benefits.

Note: while we aim to keep our reviews updated, we cannot guarantee that the benefit information here is the latest. Refer to Allianz Care’s site for the latest information.

Core plan coverage

• Hospital accommodation
• Inpatient and daycare
• Medical evacuation
• Oncology
• Intensive care
• Surgical fees, including anaesthesia and theatre charges
• Emergency inpatient dental treatment
• Out-patient surgery
• Local ambulance
• Inpatient and outpatient CT, MRI, PET and CT-Pet scans

Outpatient add-on plans

Allianz Care offers 4 outpatient plans to choose from: Active Family, Active Pro, Active Plus, and Active. All of these plans have a max benefit limit and some of the individual benefits have additional limits.

Here are some of the benefits:

• Medical practitioner and specialist fees
• Prescription drugs
• Diagnostic tests
• Vaccinations
• Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture, and podiatry

Maternity add-on plans

Allianz Care offers 2 maternity plans to choose from: the Bloom plan and Bloom Plus plan. Both of these plans have benefit limits and a 16-month waiting period.

Here are the benefits and their limits:

Benefit	Bloom (Per Pregnancy)	Bloom Plus (Per Pregnancy)
Routine delivery and newborn care	$6,750 €5,000 £4,150	$10,125 €7,500 £6,225
Inpatient treatment for childbirth complications	$13,500 €10,000 £8,300	$20,250 €15,000 £12,450

For more details on the benefits covered by Allianz Care’s outpatient and maternity plans as well as specific benefit limits, see its Table of Benefits.

Annual benefit limits

Below is a breakdown of the annual benefit limits of Allianz Care’s core plans. The limit amount is the maximum per beneficiary (i.e. covered individual) per coverage period and includes all claims. Note: the optional add-on plans have their own annual benefit limits.

Care	Care Plus	Care Pro
$675,000 €500,000 £415,000	$1,518,750 €1,125,000 £934,000	$3,037,500 €2,250,000 £1,867,500

Exclusions

Health insurance plans generally have treatments, expenses, and procedures that they don’t cover. Below are some of the conditions and situations that Allianz Care does not cover. You can get the full list from Allianz Care’s Benefit Guide.

• Drug addiction or alcoholism treatment (does not apply to dependent children)
• Experimental treatment or drug therapy
• Infertility treatment
• Injuries caused by professional sports and extreme sports (e.g. skiing or snowboarding off-piste, paragliding, bungee jumping)
• Self-inflicted injuries
• Plastic surgery
• Obesity treatment

Allianz Care international health insurance costs

Allianz Care offers many customization options that affect your costs. Your costs will depend on the area of coverage, which plan and add-ons you get, your age, and the deductible amount.

The higher the annual limit, the older you are, and if you include United States coverage, the higher your costs. The higher the deductible you choose, the lower the costs.

Deductible options

A deductible is the amount you must pay out of pocket before the insurance company will pay out for claims covered by your plan. Allianz Care offers 7 deductible options across all 3 of its core plans. Note: the optional outpatient plan add-on has its own deductible options.

USD ($)	EURO (€)	POUND (£)
$0 $610 $1,015 $2,025 $4,050 $8,100 $13,500	€0 €450 €750 €1,500 €3,000 €6,000 €10,000	£0 £374 £625 £1,245 £2,490 £4,980 £8,300

Premium discount based on deductible

A deductible reduces your premium costs. Here’s the discount you get for the 7 deductible options that Allianz Care offers.

Deductible	Discount (Exl. Maternity Plan)	Discount (Inc. Maternity Plan)
None	0%	0%
$610 / €450 / £374	5%	2.5%
$1,015 / €750 / £625	10%	5%
$2,025 / €1,500 / £1,245	20%	10%
$4,050 / €3,000 / £2,490	35%	17.5%
$8,100 / €6,000 / £4,980	50%	25%
$13,500 / €10,000 / £8,300	60%	30%

Monthly premium costs

Below are some estimated costs for Allianz Care’s core annd Maternity and Outpatient add-on plans.

We pulled quotes for 4 ages (18, 25, 35, and 65) and for a U.S. citizen who’ll be living in Portugal with no dependents. We also ran quotes for the extremes of deductible amounts, meaning we looked at the case of $0 deductible and the case of maximum deductible of $13,500. This way you can see the range of premium costs.

Note: These quotes are just for informational purposes and while we aim to keep our reviews updated, we cannot guarantee these rates are the latest. For accurate rates, get a quote directly from Allianz Care. Also, in some countries, there might also be a local country tax.

Age 18 ($0 deductible)
Plan	Worldwide excl. USA	Worldwide incl. USA
Care	$97	$214
Care Plus	$108	$237
Care Pro	$141	$310
Maternity add-on	$0	$0
Outpatient add-on	From $29	From $62
Age 18 ($13,500 deductible)
Plan	Worldwide excl. USA	Worldwide incl. USA
Care	$39	$86
Care Plus	$44	$95
Care Pro	$57	$124
Maternity add-on	$0	$0
Outpatient add-on	From $29	From $62

Age 25 ($0 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$135	$297
Care Plus	$148	$324
Care Pro	$203	$446
Maternity add-on	From $35	From $77
Outpatient add-on	From $53	From $115
Age 25 ($13,500 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$54	$119
Care Plus	$59	$130
Care Pro	$81	$179
Maternity add-on	From $35	From $77
Outpatient add-on	From $53	From $115

Age 35 ($0 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$159	$349
Care Plus	$182	$401
Care Pro	$253	$556
Maternity add-on	From $60	From $131
Outpatient add-on	From $95	From $208
Age 35 ($13,500 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$64	$140
Care Plus	$73	$161
Care Pro	$102	$223
Maternity add-on	From $60	From $131
Outpatient add-on	From $95	From $208

Age 65 ($0 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$519	$1,142
Care Plus	$597	$1,312
Care Pro	$761	$1,673
Maternity add-on	$0	$0
Outpatient add-on	From $276	From $607
Age 65 ($13,500 deductible)
Plan	Worldwide excl. U.S.	Worldwide incl. U.S.
Care	$208	$457
Care Plus	$239	$525
Care Pro	$305	$669
Maternity add-on	$0	$0
Outpatient add-on	From $276	From $607

Getting treatment and the claims process

One of the most frustrating aspects of health insurance is the claims and billing process. While living abroad, the health care system can be even more unfamiliar. Thus, using a provider that offers seamless and simple processes can really make a difference in how much time, and potentially money, you save.

Getting treatment

Prior to receiving treatment, you should review your benefits information to determine if pre-authorization is needed for your treatment and to ensure that the hospital or medical provider can invoice and settle bills directly with Allianz Care. Taking these steps will help you avoid the hassle of having to submit claims. You can locate hospitals and medical providers within Allianz Care’s network and access the pre-authorization form by logging into your online account or using its mobile app.

Making claims

If you have to pay for treatment directly, to get reimbursed for covered costs, you’ll need to submit a claim. Allianz Care offers several ways to submit a claim:

• Allianz Care’s MyHealth mobile app
• Allianz Care’s online account
• Email
• Fax
• Mail

To submit a claim through email, fax, or mail, you can download a claims form on the Allianz Care website, complete the form, and email, fax, or mail the form along with your invoice(s).

Allianz Care aims to reimburse claims within 48 hours—the shortest time we’ve seen—of receiving all required paperwork. According to Allianz Care, 90% of fully completed claims are processed within 48 hours. Note: depending on your bank’s international transaction timelines, it can take more time for the payment to reach your bank account.

If you mail in your documents, then the reimbursement will take longer.

Customer support

Navigating medical care abroad, especially if you don’t know the local language, can be challenging. Thus, the type of customer support that an insurance provider offers can help you navigate the local health systems with your international health insurance.

Online & mobile app support

Allianz Care customers have access to Allianz Care’s online account, MyHealth Online Services and MyHealth mobile app. Through the online account and mobile app, you can access policy documents, see your coverage information, submit claims, make payments, get information on how to access hospitals, clinics, and doctors, and access tools and services to help you manage your health and wellness.

FAQs

Allianz offers an easy-to-use FAQs area that addresses common questions.

Email

You can also reach Allianz Care’s customer support by emailing its support team.

Phone support

Allianz care also offers several helpline numbers that you can call at any time, 24/7, to reach customer support. There is a dedicated number for each of the following languages:

• English
• German
• French
• Spanish
• Italian
• Portguese

Cancellations

You may cancel your plan within 30 days of the start date of your policy. If you cancel within this 30-day period, you’ll get a full refund.

If you don’t cancel within the 30-day period, your insurance contract becomes binding and your full premium for the insurance year will be due according to the payment frequency you select. In other words, after the 30-day period, you cannot cancel your plan before your plan term is done. If this is a concern, there are other providers that offer more flexible cancellation policies.