International
Family 
Health Insurance

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.
 
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. 

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.

Our international health insurance plans with maternity cover might be a better fit.


Our plans offer excellent benefits for families, as well as optional extras to help you tailor your cover according to your family's unique 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 your quality of life.

Step 2:
Add any of the optional plans 

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Step 3: 
Choose your area of cover: Worldwide**, Worldwide excluding USA**,  Africa only

Global access to treatment cover so you can use your medical cover in any country included within the area of cover. It is a good idea to select an area where you normally travel to or live for more than 6 months of the year.

**Terms and conditions and regulatory restrictions 

Swipe to view more

Maximum Plan Benefit
€3,703,705
Maximum Plan Benefit
€2,963,000
Maximum Plan Benefit
€1,851,850
Type of room
Private room
Private room
Semi-private room
In-patient / Day-care
Oncology
Medical Evacuation
Nursing at home
€4,250
€2,500
€1,500
Rehabilitation treatment
€4,420
€2,500
€2,000
Preventative Surgery
Laser eye treatment
€1,000
Emergency out-patient treatment
€750
€750
Emergency out-patient dental treatment
€750
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness support program
Digital Health App**
Up to €50
Up to €50
Up to €50
MyHealth Digital Services
Second Medical Opinion Service
Plan Deductibles

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

Out-patient plan
Dental plan
Repatriation plan
Maternity plan
telehealth hub

Getting your policy is much easier and faster when you choose our dummy Moratorium underwriting option
There are no medical questionnaires to complete. It’s hassle free.
 

GET A QUOTE      

Everything you need to know before you go and when you get there.
We offer different levels of cover from policyholder to dependent with our family healthcare plans. Discounts are available when insuring two or more children.
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 

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.

Your children & other dependents can be added to the policy subject to medical underwriting or Moratorium. They would be subject to their own premium which would be derived from their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.

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:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

Find out more

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.
We offer different levels of cover throughout our family plans. The cost of family health insurance would be subject to the circumstances of the policy holders and dependents, for example, their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.  Please call our dedicated sales team on +353 1 514 8480 to discuss this product.
You and your dependents are subject to your own premiums which would be derived from their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.  Your family are covered for medical insurance and treatment in any country within your area of cover, as shown in your Insurance Certificate. Please call our dedicated sales team on +353 1 514 8480 to discuss this product.
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
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 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.