We can help you with keeping Governmental healthcare cover to suit your needs, no matter if your group insurance is already with us or with a different insurer.
Leaving your
Organisation’s Plan?
Keep your Governmental international cover with our Contineo plans
Best match to your Governmental group cover
We're proud to have helped thousands of people worldwide by offering them assistance and advice when switching cover.
Our Contineo Health insurance plans include cover for a wide range of in-patient and day-care treatments as well as an optional level of cover such as out-patient, dental, maternity and repatriation benefits. Our plans also include treatment for covid-19, subject to terms and conditions.
Please contact us in advance of your renewal to ensure there is no break in your cover.
Your cover is also subject to:
- Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Health Services
included with your cover
Your employees have access to a range of services gathered in one convenient hub to help protect them from preventable health risks. Our services include Telehealth, Employee Assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more.
The ratings provided are based on recent reviews from individuals in your region who utilize the same type of device as you. Please note that these ratings may not reflect the experiences of all users and are subject to change over time. Individual experiences may vary.
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Care International Health Insurance Plans at a Glance
Our international health insurance plans offer comprehensive benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.
Care Pro
Superior health insurance -
Our highest level of cover
Max. Plan Limit: £3,100,000/ €3,703,705 US$5,000,000/CHF4,814,815
Care Plus
Enhanced health insurance -Comprehensive health insurance with additional benefits
Max. Plan Limit: £2,460,000/€2,963,000 US$4,000,000/CHF3,852,000
Care
Comprehensive health insurance - Extensive cover with semi-private room access
Max. Plan Limit £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400
US$2,500,000/CHF2,407,400
Enhance Your Cover with Optional Plans
Choose from the following:
Out-patient plan
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
Repatriation plan
If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Dental plan
Protect your oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Maternity plan
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.
Switching from another insurer?
Members all around the world feel protected and cared for by us. Switching is easy, so arrange a call back today - we'd love for you to join the Allianz global family.
Why choose us as your trusted international health insurer?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the seventh year running.
2M+
Worldwide expertise
Growing network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
48hrs
Quick and efficient
Fully completed medical claims processed within 48 hours.
Real stories, real people
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
Awards and Recognition
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Frequently Asked Questions
Get answers to your questions quickly and easily with our handy FAQs.
In which countries can I receive treatment?
You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate.
If the treatment you need is available locally but, you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses.
If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling.
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
What is a geographical area of cover?
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you.
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.
* Terms and conditions and regulatory restrictions apply.
Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Does international Health Insurance cover pre-existing conditions?
Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.
- For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
- For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
For further information, please contact ourSales team.
What are the payment options for International Health Insurance plans?
Choose a health insurance payment plan that works for you. Pay premiums annually, half-yearly, quarterly or monthly by direct debit or credit card. You can also pay by cheque or bank transfer, but monthly payments won’t be available if you choose one these payment methods.
Payments are subject to the following administration surcharges: 0% for annual payment, 3% for half-yearly payments, 4% for quarterly payments and 5% for monthly payments.
Important terms and conditions
We must receive your application within 30 days from the date the group cover ended. Also, you must have been covered by Allianz under a group policy for a minimum of 12 months before the start date of your new continuation cover. Only those family members who were covered under your group policy are eligible to apply for the continuation cover.
- Terms & conditions apply. Allianz reserves the right to cancel or amend these terms or conditions without notice.
- The cover provided by Allianz is not a substitute for local compulsory health insurance, e.g., for members resident in Germany, our cover is not a legally appropriate substitute for German compulsory health insurance.
- This is a promotional page only. Cover is subject to our policy terms and conditions as set out by our benefit guide .
- Waiting periods will not apply only if you choose a plan that provides equal or lesser cover than that provided under your group medical scheme. If you upgrade your plan waiting periods will apply.
Certain services that may be included in your plan are provided by third party providers. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of your policy’s terms and conditions, as well as the service’s terms and conditions as set out by the relevant third party service provider. By accepting the third party service providers’ terms and conditions, you enter a separate contractual relationship directly with them. Their services may be subject to geographical restrictions. Full details of the third party service providers’ terms and conditions are available in their websites and in the relevant application and/or platform where services may be hosted. The third party service providers are independent data controllers, and we recommend that you review their privacy notices to understand how they process your personal data. The third party service providers offer non-insurance services that are not intended to be a substitute for in-person medical consultations, diagnosis, treatment, assessment or care. You understand and agree that the insurer, its reinsurer and their administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.