International health insurance provider
Allianz Care
Global international health insurer
International healthcare plans in Care Base, Enhanced and Signature tiers, with worldwide, worldwide-excluding-USA and regional choices, and with outpatient and evacuation described as optional or product-dependent.
At a glance
- Provider type
- Global international health insurer
- Global reach
- Very high
- Primary audience
- Globally mobile professionals, expats, families and digital nomads
- Area of cover
- Worldwide, worldwide excluding the USA, or regional choices on applicable products
- Inpatient
- Core
- Outpatient
- Optional
- Maternity
- Available on higher-tier or relevant plans, subject to terms
- Dental / vision
- Optional dental. Additional benefits vary by plan.
- Evacuation
- Optional or product-dependent
- Cost-share flexibility
- Strong deductible and cost-share flexibility
- Underwriting
- Underwriting and plan terms apply. Chronic and pre-existing treatment depends on the product and the underwriting.
- Network / direct billing
- Large global medical network and digital claims
- Portability
- Designed for international mobility. Local compliance and residence rules apply.
- Purchase route
- Direct and intermediary
- Pricing model
- Personalised quote
What type of international health insurer is this?
A global international health insurer with named plan tiers and an intermediary channel. Plan names, benefits and issuing entities may differ depending on where you live.
Who it may suit
Allianz Care may be relevant to globally mobile professionals, expats, families and digital nomads.
Where can you receive treatment?
Worldwide, worldwide excluding the USA, or regional choices on applicable products. A worldwide plan that includes the USA and one that excludes it are different products. Regional or residence-specific variants have to be confirmed for the country you live in.
Hospital and daypatient cover
Inpatient and daypatient cover: Core. Hospital admission, surgery and daypatient treatment are the core of these plans. This page does not state a benefit limit.
Outpatient treatment
Outpatient: Optional. Doctors, diagnostics and specialists may sit in a module rather than in the hospital benefit. This page does not list a visit limit.
Maternity and newborn cover
Maternity: Available on higher-tier or relevant plans, subject to terms. Maternity can be optional, limited to a higher tier, or subject to a waiting period. This page does not publish a waiting period.
Dental and optical cover
Dental and vision: Optional dental. Additional benefits vary by plan.. Routine dental, major dental and optical benefits are separate questions inside that category.
Evacuation and repatriation
Evacuation and repatriation: Optional or product-dependent. Medical evacuation is a transfer to treatment. Medical repatriation is a return to a home or nominated country where the policy permits it. They are not the same benefit.
Deductibles, excesses and cost share
Strong deductible and cost-share flexibility. A deductible or excess is paid before the insurer contributes. Co-insurance is a percentage you continue to pay. A copay is a fixed amount for a treatment. Not every plan uses all of these.
Pre-existing conditions and underwriting
Underwriting and plan terms apply. Chronic and pre-existing treatment depends on the product and the underwriting. A condition may be accepted, excluded, loaded or otherwise treated. The outcome is individual. A marketing page is not the policy contract.
Do not compare premium until you understand whether the plans are offering comparable underwriting terms.
Provider networks and direct billing
Large global medical network and digital claims. Networks differ. Pre-authorisation may be required. Direct billing may not be available for every hospital or treatment, and reimbursement can still be the route.
Can the cover move with you?
Designed for international mobility. Local compliance and residence rules apply. Tell the insurer if you change residence. The premium, the legal entity, the network and the benefits can change. A local compliant product may be required. Do not cancel existing cover until replacement cover is active.
How to buy
Purchase route: Direct and intermediary. A public intermediary or affiliate page does not mean WiT Access has an agreement with the insurer.
What changes the premium?
Pricing: Personalised quote. This page does not publish a premium.
- Age
- Residence country
- Area of cover
- USA inclusion
- Deductible
- Outpatient cover
- Maternity
- Dental / optical
- Family size
- Underwriting
- Plan tier
Questions to ask
Ask Allianz Care directly. This page does not answer these for a particular person.
Which countries can I be resident in?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What area of cover applies?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is the USA included?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is inpatient treatment fully included?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is outpatient cover optional or standard?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What annual limit applies?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What deductible options exist?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is there co-insurance?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
How are pre-existing conditions assessed?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is full medical underwriting required?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Are chronic conditions covered?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is maternity covered?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What maternity waiting period applies?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is dental / optical included?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is evacuation included?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Is repatriation included?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Which hospitals are in the direct-billing network?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Do I need pre-authorisation?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Can the policy continue if I move country?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Can the premium change after relocation?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Which legal entity issues my policy?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
How are claims submitted?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What exclusions should I pay particular attention to?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
What happens if I return permanently to my home country?
Ask Allianz Care directly. The answer depends on residence, the plan and the underwriting.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page from the provider. It does not mean WiT Access has an agreement.
- Evidence page
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Policy benefits, exclusions, underwriting, premiums, networks and geographic availability can change.