Taking care of you and your team

We know every organisation is different, so we provide flexible, adaptive solutions for our clients, so that you can choose the right combination of cover for you and your employees.  You can even tailor the benefit limits for some treatments.

We offer a network of over 1.1 M quality medical providers, settling medical bills directly with the provider for most in-patient treatments. We apply effective cost containment and fraud prevention methods to drive your savings.

We’re always there, always on: offering 24/7 multilingual Helpline and other supports

Digital tools and services to help your team manage their health and wellness. Members can submit their claims, view policy documents, check benefits available, access telehealth services, find local providers and dummy more.

 



With our international healthcare plans,  you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a deductible and co-payment

Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.

Step 2:
Add any of the optional plans and tailor your benefit limits

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as dental, optical, maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Africa only   

Provides multi-country cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes. 

Terms and conditions and regulatory restrictions apply.

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Maximum plan benefit
$5,000,000
€3,703,705
£3,100,000  
Maximum plan benefit
$4,000,000
€2,963,000
£2,460,000
Maximum plan benefit
$2,500,000
€1,851,850
£1,575,000 
Maximum plan benefit
$1,750,000
€1,350,000
£1,075,000
Type of room
Private Room
Private Room
Private Room
Private Room
In-patient /Day-care
Oncology
Nursing at home
Preventative surgery
$40,500/€30,000/£24,900
$40,500/€30,000/£24,900
Rehabilitation treatment
Max. 120 days per discharge
Max. 90 days per discharge
Max. 60 days per discharge
Max. 30 days per discharge
Medical practitioner/ Specialist fees / Diagmostic tests
$15,000/€11,110/ £9,225
$5,000/€3,705/£3,076
Accidental death benefit
$13,500/€10,000/£8,300
Deductible

No deductible or
$1,000/€740/£615

or
$2,000/€1,480/£1,225

or
$4,000/€2,962/£2,461

Co-payment

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

0%  or
10% up to max.
$2,000/€1,480/£1,225

or
20% up to max.
$4,000/€2,962/£2,461

or
30% up to max.
$5,000/€3,705/£3,076

Dental
$1,500/€1,110/£995
Ask us for other
options available
$1,000/€740/£615
Ask us for other
options available
$750/€555/£495
Optical
80% refund, up to $500/€371/£307
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
Maternity
Ask us for other options available
$10,000/€7,410/£6,150
per pregnancy
Ask us for other options available
$5,000/€3,705/£3,076
per pregnancy
Ask us for other options available
Repatriation
Non- emergency evacuation
helpline

Getting your group policy is much easier and faster when you choose our dummy Moratorium underwriting option.  There are no medical forms to complete.
It’s hassle free. 
 

GET A QUOTE             APPLY NOW

Talk to the experts! If you have any questions, or if you're not sure which plan best suits your employees, our Small and Mid-size Business Team would be delighted to guide you through your choices.
Check out our specialised group healthcare plans
Learn more about the difference between international health insurance and travel insurance and find out which is the best fit for your business.
 
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We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.

International insurance with Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

 

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

 

Medical History Disregarded terms is when members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies. 

dummy FIND OUT MORE

Allianz Care offers dummy Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:

  • 90 travel days per insurance year each
  • 180 travel days per insurance year each

* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions

We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you. 
We generally  cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

For further information, please contact our dummy Sales team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.