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A trusted partner of ministry of foreign affairs, consulates, embassies and attaché offices for over 50 years

International healthcare plans created specifically for consulates, embassies and other attaché offices.*
Our medical insurance plans include cover for a wide range of in-patient, day-care, maternity and out-patient treatments as well as an optional level of cover such as dental, optical and repatriation benefits. Our plans also include treatment for covid-19, subject to terms and conditions

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.

 
With our international healthcare plans, you can build your plan to suit the needs of organisation 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, maternity 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 tailoring select benefit limits and adding any of our optional plans, such as dental, optical 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 diplomats and embassy employees normally travel to or are based for work purposes.

Terms and conditions and regulatory restrictions apply as indicated in our Benefit Guide

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Maximum plan benefit
US$5,000,000
€3,703,705
£3,100,000  
Maximum plan benefit
US$4,000,000
€2,963,000
£2,460,000
Maximum plan benefit
US$2,500,000
€1,851,850
£1,575,000 
Maximum plan benefit
US$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
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Nursing at home
Immediately after or instead of hospitalisation
Preventative surgery
In-patient and out-patient treatment
US$40,500/ €30,000/ £24,900
US$40,500/ €30,000/ £24,900
Rehabilitation treatment
  • in-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases
  • covered only if you’ve received in-patient treatment for three or more consecutive days/ nights for the same medical condition
Max. 120 days per discharge
Max. 90 days per discharge
Max. 60 days per discharge
Max. 30 days per discharge
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests

Shared benefit limit for:

  • Pre-hospitalisation tests 
  • Video consultation services
  • Medical practitioner fees
  • Prescribed drugs and dressings
  • Specialist fees
  • Diagnostic tests
  • MRI scans
  • Emergency out-patient treatment
US$15,000/ €11,110/ £9,225
US$5,000/ €3,705/ £3,076
Complications of pregnancy and childbirth
  • 12 months waiting period and co-payment apply
  • ‘Routine maternity’ can be added to Summit 5000, 4000 and 2500 plans (12 months waiting period and separate benefit limit applies)
  • Summit 5000, 4000 and 2500 plans also include ‘Elective circumcision for newborn males’ (separate benefit limit applies)

US$50,000/ €37,030/ £30,750 per pregnancy

Ask us for other options available

US$15,000/ €11,110/ £9,225 per pregnancy

Ask us for other options available

US$15,000/ €11,110/ £9,225 per pregnancy

Ask us for other options available

Accidental death benefit
Insured members aged 18 to 70
US$13,500/ €10,000/ £8,300
Deductible

Deductible is the part of the cost that is payable by the insured person and that we deduct from the amount we will pay.

Deductibles don’t apply to the following benefits:

  • Oncology
  • Psychiatry and psychotherapy (in-patient and day-care treatment)
  • In-patient cash benefit
  • Vaccinations

No deductible 

or
US$1,000/ €740/ £615

or
US$2,000/ €1,480/ £1,225

or
US$4,000/ €2,962/ £2,461

Co-payment

Co-payments is the percentage of the costs which the insured person must pay. 

It applies to all treatments received on an out-patient basis, with the exception of:

  • Oncology
  • Video consultation services (when accessed via TeleHealth Hub)
  • Psychiatry and psychotherapy (out-patient treatment)
  • Vaccinations
  • Health and wellbeing checks
  • Cancer screening

A separate co-payment may apply to dental, optical and maternity benefits (where included)

No Co-payment

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

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

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

No Co-payment

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

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

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

No Co-payment

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

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

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

Employee Assistance Programme (EAP)

Offers access to a range of 24/7 multilingual support services as follows:

• Confidential, professional counselling (in-person, phone, video and chat)

• Legal and financial support services

• Critical incident support

• Wellness website access

Travel Security Services

Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:

  • Emergency Security Assistance Hotline (not a free phone number)
  • Country intelligence and security advice
  • Daily security news updates and travel safety alerts 
Olive Health & Wellness support program

Our Health & Wellness support program includes, for example:

  • HealthSteps fitness app
  • Access to wellness resources 
MyHealth Digital Services

Manage your cover online with our app or portal

  • Submit and track progress of claims
  • Access your policy documents, health services, payment details and more
Second Medical Opinion Service
Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended
Dental
  • 6 months waiting period applies. Limits refer to Dental treatment, dental surgery, periodontics and dental prostheses.
  • Summit 5000 and 4000 plans also include Orthodontic treatment  and Summit 5000 includes dental implants (separate benefit limit applies)

US$1,500/ €1,110/ £995

Ask us for other options available

US$1,000/ €740/ £615

Ask us for other options available

US$750/ €555/ £495

Ask us for other options available

Optical
  • Limits refer to Prescribed glasses and contact lenses including eye examination.
  • Summit 5000 and 4000 plans also include Laser eye treatment (separate benefit limit applies)

80% refund, up to US$500/ €371/ £307

Ask us for other options available

80% refund, up to US$250/ €185/ £154

Ask us for other options available

80% refund, up to US$250/ €185/ £154

Ask us for other options available

Repatriation
helpline

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

GET A QUOTE      

We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.


dummy GET IN TOUCH

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.
To get a quote, please contact our Group Sales Team by completing this form: https://www.allianzcare.com/en/business/insurance-products-and-services/quote.html
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 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.

FIND OUT MORE

Members are covered for emergencies only, emergency treatment outside area of cover is treatment for medical emergencies which occur during business or holiday trips outside your area of cover.

Cover is provided for up to six weeks per trip within the maximum benefit amount. It includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to your health. Treatment by a doctor must start within 24 hours of the emergency event.

Cover is not provided for curative or follow-up non-emergency treatment, even if you are deemed unable to travel to a country within your geographical area of cover. Nor does it extend to charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth. Please tell your company’s Group Scheme Manager if you are going to be outside your area of cover for more than six weeks.

Our Employee Assistance Program (EAP) can assist staff through family support, financial difficulty support and a referral service for legal support.  Additionally, we offer a variety of expatriate services including pre-assignment employee assessment and evaluation, intercultural training and destination and repatriation services.
Did you know that we have a support page for members with all you need to know to make the most of your cover ?
*It is important to note that our cover may not be suitable for all ministry of foreign affairs, consulates, embassies and attaché offices around the world thanks to the fact that specific rules and regulations vary from country to country. Please ensure an independent advisor is consulted to determine the specific requirements in your jurisdiction.
**Certain services that may be included in your plan are provided by third party providers outside the Allianz group, such as the Employee Assistance Programme, Travel Security services, HealthSteps app, Second Medical Opinion and telemedicine services. 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 the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The HealthSteps app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited 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.