Taking care of you and your team.
Summit International Health Insurance Plans
International Health Insurance for groups
Proactive Health and Wellbeing Care
Your team’s healthcare needs are dynamic, diverse and personal. We understand the importance of flexibility and choice; not just with the type of care they need, but also in the way they receive it.
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With our cutting-edge services, your team members can explore our digital library, engage with our 24/7 telehealth service, make a call, or secure an in-person consultation. Whether looking after their personal fitness, seeking emotional support or facing a medical emergency, they can be sure of exceptional support.
We provide you and your team with a wide range of in-patient, out-patient, maternity, and day-care treatments, as well as optional coverage such as dental, optical, and repatriation benefits, to suit the needs of your team and your budget.
Simply, efficiently, and conveniently.
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.
Sanctions suspension clause:
Any benefits, cover and claims payments are suspended if any element of the cover, benefit, activity, business, or underlying business exposes us to:
- any applicable sanction, prohibition or restriction under the United Nations’ resolutions, or
- the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, or United States of America.
The above suspension will continue until such time as we are no longer exposed to any such sanction, prohibition, or restriction.
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescribed drugs
Cancer treatment
Option to add a repatriation plan
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, Expat Assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more.
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Summit Plans at a Glance
With our Summit international healthcare plans, you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a deductible or 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:
Step 3:
Choose your area of cover: Worldwide, Worldwide excluding USA or Africa only.
Summit
5000
Max. Plan Limit:
US$5,000,000/€3,703,705
US$5,000,000/€3,703,705
£3,100,000
| Private room | ✓ |
In-patient/ Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
✓ |
| Preventive surgery | US$40,500 €30,000 £24,900 |
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests |
✓ |
Complications of pregnancy and childbirth |
US$50,000 €37,030 £30,750 per pregnancy |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Summit
4000
Max. Plan Limit:
US$4,000,000/€2,963,000
£2,460,000
US$4,000,000/€2,963,000
£2,460,000
| Private room | ✓ |
In-patient/ Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
✓ |
| Preventive surgery | US$40,500 €30,000 £24,900 |
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests |
US$15,000 €11,110 £9,225 |
Complications of pregnancy and childbirth |
US$15,000 €11,110 £9,225 per pregnancy |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Summit
2500
Max. Plan Limit:
US$2,500,000/€1,851,850
US$2,500,000/€1,851,850
£1,575,000
| Private room | ✓ |
In-patient/ Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
✓ |
Preventive surgery |
X |
Out-patient medical practitioner/ Specialist fees/ Diagnostic test |
US$5,000 €3,705 £3,076 |
Complications of pregnancy and childbirth |
US$15,000 €11,110 £9,225 per pregnancy |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Summit
1750
Max. Plan Limit:
US$1,750,000/€1,350,000
US$1,750,000/€1,350,000
£1,075,000
| Private room | ✓ |
In-patient/ Day-care |
✓ |
Oncology |
✓ |
Nursing at home |
✓ |
Preventive surgery |
X |
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests |
X |
Complications of pregnancy and childbirth |
X |
In-patient, day-care and out-patient treatment and personal oncology case manager services.
Enhance Your Cover with Optional Plans
Choose from the following:
Repatriation plan
If the treatment your employees need is not available locally, we'll repatriate them to their home country, so they can receive treatment close to their family and friends.
Dental plan
Protect your employee’s oral health with our reliable dental insurance plan, offering cover for dental treatments, surgeries, orthodontics and more.
Optical plan
You employees can enjoy coverage for prescribed glasses and contact lenses, including thorough eye examinations and laser eye treatments.
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.
Consistent Global Coverage for Your Employees
Ensure reliable healthcare coverage for your employees worldwide with our Summit regional plans. Tailored to meet unique regional needs and comply with local regulations. Summit plans are available in:
Get started today
Talk to the experts! If you have any questions, or if you're not sure which plan best suits your employees, our Small and Mid-size Business Team would be delighted to guide you through your choices.
Why choose us?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the sixth 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.
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Frequently Asked Questions
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.
I am looking for an international healthcare plan for a group. How many staff do I need to be considered a group?
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.
Can I offer different level of cover within a group?
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.
Do you offer group emergency healthcare plan for business travelers?
We offer 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:
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
- 180 travel days per insurance year
* 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.
In which countries do you offer group regional healthcare plans?
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.
Does international group health insurance cover pre-existing conditions?
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.
How can I get an international employer health insurance?
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
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.
Already a member?
Did you know that we have a support page for members with all you need to know to make the most of your cover ?
Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, fitness app, Second Medical Opinion and tele-medicine 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 fitness app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The fitness 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.