10% off International Health Insurance for life. Promo code: LIFE10 FIND OUT MORE
International Family Health Insurance
We care about you and your family
Healthcare cover for expatriate families
We know that small details can make a big difference to families.
We’re committed to offering flexibility on our healthcare plans, helping you to find the right international health cover for your loved ones at the right price.
Your family's well-being is our priority, which is why our Active Pro and Active Plus out-patient plans offer a number of family-friendly health insurance benefits such as child home nursing, child hearing exams and vaccinations. For new moms and moms-to-be, these plans include maternity related benefits such as Pregnancy Yoga or Pilates, Breastfeeding consultation, Post-natal counselling and more. We offer different levels of cover from policyholder to dependent with our family healthcare plans. Discounts are available when insuring two or more children.
Insured members are covered for treatment of COVID-19
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 Canada, 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.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
The expatriate health insurance
cover includes
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescription drugs
Cancer treatment
Option to add a repatriation plan
Health Insurance Services
included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family 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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Care International Health Insurance Plans at a Glance
Our international health insurance plans offer comprehensive benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.
Step 1:
Choose your Core plan and pick a deductible.
Our core plan options include a comprehensive selection of in-patient benefits and day-care 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 your life.
Step 2:
Step 3:
Choose your area of cover: Worldwide, Worldwide excluding USA or Africa only.
Provides multi-country cover so you can use your medical cover in any country included within your chosen area of cover. It is a good idea to select an area where you normally travel to or are live for more than 6 months of the year.
Terms and conditions and regulatory restrictions apply.
Care Pro
Superior health insurance -
Our highest level of cover
Max. Plan Limit: £3,100,000/ €3,703,705 US$5,000,000/CHF4,814,815
Care Plus
Enhanced health insurance -Comprehensive health insurance with additional benefits
Max. Plan Limit: £2,460,000/€2,963,000 US$4,000,000/CHF3,852,000
Care
Comprehensive health insurance - Extensive cover with semi-private room access
Max. Plan Limit £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400
US$2,500,000/CHF2,407,400
Enhance Your Cover with Optional Plans
Choose from the following:
Out-patient plan
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
Repatriation plan
If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Dental plan
Protect your oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Maternity plan
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.
Planning to start a family or extend it?
Our international health insurance plans with maternity cover might be a better fit.
10% off your international health insurance for life!
Moving abroad or need more than local cover? We’re here to help! Get 10% off global cover with promo code: LIFE10
Offer valid from 15th July to 14th August 2025.
Selected plans only. T&Cs Apply.
Selected plans only. T&Cs Apply.
Get your expat health cover in a few simple steps
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.
Ready to get your cover?
Call us on +353 1 514 8480 or email us.
(Choose a day and time that suits you)
Specialised Plans
At Allianz, we understand that your health insurance needs can vary based on your destination and the duration of your stay. Whether you're looking to your own cover, cover your entire family, or for a temporary cover for when you are studying or working abroad, we've developed specialised plans to ensure you're covered during your time abroad:
Short-term international medical insurance for individuals and families working or living abroad for less than a year.
We offer comprehensive private medical insurance in Dubai, providing access to the best hospitals locally or back home.
International health insurance, giving peace of mind that your family's care is covered with our Singapore private plans.
Why choose us as your trusted international health insurer?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth 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.
Looking for a different solution?
Frequently Asked Questions
Get answers to your questions quickly and easily with our handy FAQs.
In which countries can I receive treatment with family health insurance?
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 Pre-authorisation 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.
Does Internatinal Health Insurance cover pre-existing conditions?
Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.
- For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
- For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
For further information, please contact our Sales Team.
I want to sign up for a family healthcare plan. Can I purchase a different level of cover for me and my dependents?
Absolutely. We offer different levels of cover from policyholder to dependent with our family healthcare plans. Please call our dedicated sales team on +353 1 514 8480 to discuss this product.
My Expat Life
Everything you need to know before you go and when you get there.
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 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.