Your cover is also subject to:
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Deductible amount
|
No deductible |
€450 |
€750 |
€1,500 |
€3,000 |
€6,000 |
€10,000 |
Discount on your annual premium when you don’t add a maternity plan |
0% premium discount |
5% premium discount |
10% premium discount |
20% premium discount |
35% premium discount |
50% premium discount |
60% premium discount
|
Discount on your annual premium when you add a maternity plan |
0% premium discount |
2.5% premium discount |
5% premium discount |
10% premium discount |
17.5% premium discount |
25% premium discount |
30% premium discount |
Getting your policy is much easier and faster when you choose our Moratorium underwriting option.
There are no medical questionnaires to complete. It’s hassle free.
Your family are covered for medical insurance and treatment in any country within your area of cover, as shown in your Insurance Certificate.
If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses.
If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Treatment Guarantee Form before travelling.
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Family Healthcare 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.
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.
Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:
Full medical underwriting is when we assess the insurance risk before cover starts. This means that:
Certain services which 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, HealthSteps 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 HealthSteps App does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps 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.