Our plans include cover for a wide range of in-patient, out-patient and day-care treatments as well as an optional level of cover such as dental, optical, maternity and repatriation benefits.
International Health Insurance
International
Health Insurance for groups
We’ll look after your team, at home and overseas
Digital or in-person support available around
the clock
wherever work - or life - takes your employees
Our international health insurance plans
Build your plan
Build your plan
With our international healthcare plans, you can build your plan to suit the needs of your employees and your budget.
Summit 5000
Maximum plan benefit
$5,000,000
€3,703,705
£3,100,000
$5,000,000
€3,703,705
£3,100,000
Summit 4000
Maximum plan benefit
$4,000,000
€2,963,000
£2,460,000
$4,000,000
€2,963,000
£2,460,000
Summit 2500
Maximum plan benefit
$2,500,000
€1,851,850
£1,575,000
$2,500,000
€1,851,850
£1,575,000
Summit 1750
Maximum plan benefit
$1,750,000
€1,350,000
£1,075,000
$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.
Max. 120 days per discharge
Max. 90 days per discharge
Max. 60 days per discharge
Max. 30 days per discharge
$15,000/€11,110/ £9,225
$5,000/€3,705/£3,076
Optional Deductible and Co-payment:
No deductible or
$1,000/€740/£615
or
$2,000/€1,480/£1,225
or
$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)
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
Optional plans:
$1,500/€1,110/£995
Ask us for other
options available
Ask us for other
options available
$1,000/€740/£615
Ask us for other
options available
Ask us for other
options available
$750/€555/£495
80% refund, up to $500/€371/£307
Ask us for other
options available
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
Ask us for other
options available
80% refund, up to $250/€185/ £154
Ask us for other
options available
Ask us for other
options available
Maternity
- 12 months waiting period applies. Limits refer to Routine maternity.
- Summit 5000, 4000 and 2500 plans also include 'Complications of pregnancy and childbirth' and 'Elective circumcision for newborn males' (separate benefit limit applies)
Ask us for other options available
$10,000/€7,410/£6,150
per pregnancy
Ask us for other options available
per pregnancy
Ask us for other options available
$5,000/€3,705/£3,076
per pregnancy
Ask us for other options available
per pregnancy
Ask us for other options available
Repatriation
Non- emergency evacuation
Faster onboarding for your group
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.
Looking for a tailored plan?
We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.
Why choose us?
Visit our Business Hub
The latest news, stories and articles from Allianz Partners for the business community
FAQs
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.
Medical History Disregarded terms is 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.
Allianz Care offers 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 Sales team.
For further information, please contact our Sales team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards 2022.