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.
Taking care of you and your team
International Health Insurance for Employees in Germany
Making health insurance simpler
Comprehensive cover for your employees
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.
The expatriate health insurance
cover includes
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, 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 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.
A solution that works
As world leaders in international health insurance, Allianz has the expertise and experience to provide the right solution for expats living in Germany.
Targeted product
Our plan was designed specifically to provide a tailored solution for the healthcare of expats in Germany.
Worldwide reach
We offer a network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Digital Innovation
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.
Dedicated teams
We have dedicated teams and intermediaries who will provide continued support and local knowledge to your employees in Germany.
Looking for a different health insurance solution?
Get in touch with our
regional representative
regional representative
Michael Baltes
Head of Sales (Germany, Austria and Switzerland)
Tel: +49 (0) 89 122 07882
Mobile: +49 (0) 172 554 4877
Tel: +49 (0) 89 122 07882
Mobile: +49 (0) 172 554 4877
Support and further information
We're here to help your employees, providing of advice, information and relevant forms.
Access to user guide
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.
Fact sheet
This is a handy, easy-to-read document which provides a quick overview of the terms and conditions of the policy.
Treatment guarantee form
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.
Terms and conditions
Translated from German, this document explains the policy's benefits and its rules.
The German version is legally binding.
The German version is legally binding.
Claims
Our MyHealth App is the quickest and easiest way to submit a claim, no forms required.
Business Hub
The latest news, stories and articles from Allianz Partners for the business community.
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:
- 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.
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. 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.