This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. 

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.

*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.

This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan -  There is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide for general terms & conditions.

Most of our contracts are for one year – but we have a short-term plan to suit members who need international health insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480.

In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital.  Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.

If your contract is a top-up to the CFE, you should submit your claim directly to the CFE for :  

• all claims incurred in France and
• all ‘out-of-pocket’ medical expenses incurred outside of France.

Once the CFE has processed your contribution to the claim, Allianz Care will be promptly notified. A claim will be automatically generated in our system for your convenience, eliminating the need for you to contact us.

Upon receipt of all necessary information, we will process your claim and issue payment instructions to your bank within five working days.

For treatments incurred outside of France where Allianz Care would directly settle your medical bill with the healthcare provider (typically for in-patient treatments), we will remain your initial point of contact and will manage the communication with the CFE on your behalf.