Taking care of you and your team

International Health Insurance for Employees in Germany

Together with our partner, Allianz Private Krankenversicherungs-AG, we’ve created an expat healthcare plan specifically designed for third country nationals based in Germany. It offers employees comprehensive in-patient cover, including hospital accommodation, intensive care, rehabilitation and hospice care.
We understand that ensuring the wellbeing of your employees is a priority, which is why our plan offers broad coverage to meet their needs while in Germany. The plan includes out-patient and dental benefits, as well as repatriation cover, providing added security during their time abroad.

Doctor visits

Hospitalization

Vaccinations

Surgeries

Diagnostic tests

Prescribed drugs

Cancer treatment

Option to add a repatriation plan

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.

As world leaders in international health insurance, Allianz has the expertise and experience to provide the right solution for expats living in Germany.
Our plan was designed specifically to provide a tailored solution for the healthcare of expats in Germany. 
We offer a network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments. 
Manage your cover with our MyHealth digital services, your  go-to resource for submitting and checking claims, exploring your cover, viewing policy information and digital membership card, and accessing digital tools and services to help you manage your health and wellness.
We have dedicated teams and intermediaries who will provide continued support and local knowledge to your employees in Germany.
Sales contact: Michael Baltes.
Head of Sales (Germany, Austria and Switzerland)
Tel: +49 (0) 89 122 07882
Mobile: +49 (0) 172 554 4877

We're here to help your employees, providing of advice, information and relevant forms. 

This guide offers information that will assist members when they need to access treatment. It also includes a useful reminder of the basic rules of their group health insurance policy.

This is a handy, easy-to-read document which provides a quick overview of the terms and conditions of the policy.

We require pre-authorisation in advance of certain treatments that take place outside of Germany, which you can view in your Table of Benefits. If you wish to access these treatments, please download and complete our Treatment Guarantee Form. When it's approved, you can rest easy, knowing the costs are covered.


Translated from German, this document explains the policy's benefits and its rules.
The German version is legally binding.

Our MyHealth App is the quickest and easiest way to submit a claim, no forms required.

A man reading a booklet about his insurance policy

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FIND OUT MORE
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.

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:

  • 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.

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.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
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 Coaching 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 Coaching App does not provide medical or health advice and the wellness resources contained within our Health Services are for informational purposes only. The Fitness Coaching App and the wellness resources contained within our Health Services 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 acting through its Irish Branch and AWP Health & Life Services Limited and their affiliates, 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.