One of the most important factors affecting the premium for an expatriate health insurance policy will be the level of coverage you choose. If you are willing to accept a lower limit on the maximum claim you can make, or less generous benefits such as accepting a semi-private room as opposed to a private room for a hospital stay, you can lower your annual payment while still ensuring you have access to quality healthcare. Our choice of four core plans, from Essential Individual to Premier Individual, make it easy for you to compare the level of benefits available to you and ensure you can make an informed decision.

At Allianz Worldwide Care, we have implemented a number of cost containment practices to manage costs appropriately and make savings which we can pass on in our member’s premiums. There are plenty of factors which can influence the cost of a health insurance premium from year to year, such as increases in the cost of healthcare or the number of claims processed. However, these changes do not affect every insurer equally. Our client retention rate of 95% is a testament to these cost containment practices and service excellence.

The payment method you choose for your health insurance policy can also affect the premium as insurance companies will often reward you for paying your full annual premium up front. At Allianz Worldwide Care, premiums paid quarterly are generally 4% more expensive and can increase by 5% if you choose to pay monthly. By paying the full annual premium up front, you will get the level of healthcare you desire at the best possible price.

For more information on our range of international health insurance plans and products please visit our benefits page. Or, to get a quick quote, please click here.