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. 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.


Doctor visits

Hospitalization

Vaccinations

Surgeries

Diagnostic tests

Prescription drugs

Cancer treatment

Option to add a repatriation plan

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
Our international health insurance plans offer comprehensive benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.
 
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.

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.

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.

Max. Plan Limit: £3,100,000/ €3,703,705 
US$5,000,000/CHF4,814,815

Private room

Diagnostic tests


Oncology


Rehabilitation treatment

£3,670/€4,420
US$5,970/CHF5,750


Emergency
out-patient treatment
 
£625/€750
US$1,015/CHF975

Emergency out-patient dental treatment
£625/€750/
US$1,015/CHF975

Maternity plan option available

In-patient, day-care and out-patient treatment

In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases

Where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Max. Plan Limit: £2,460,000/€2,963,000 /US$4,000,000/CHF3,852,000

Private room

Diagnostic tests


Oncology


Rehabilitation treatment

£2,075/€2,500/
US$3,375/CHF3,250


Emergency
out-patient treatment
 
£625/€750
S$1,015/CHF975

Emergency out-patient dental treatment
£246/€296/
US$400/CHF385

Maternity plan option available

In-patient, day-care and out-patient treatment

In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases

 

Where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Max. Plan Limit: £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400

Semi-private room

Diagnostic tests


Oncology


Rehabilitation treatment

£1,660/€2,000 /US$2,700/CHF2,600


Emergency
out-patient treatment
 
£208/€250/
US$ 338/CHF325 

Emergency out-patient dental treatment

Maternity plan option available

In-patient, day-care and out-patient treatment

In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases

 

Where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Choose from the following:
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.
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.
Protect your oral health and your wallet  with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.
Our international health insurance plans with maternity cover might be a better fit.


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.

REQUEST A CALLBACK

Call us on +353 1 514 8480 or email us.
(Choose a day and time that suits you)
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running
Growing  network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
Fully completed medical claims processed within 48 hours
Get answers to your questions quickly and easily with our handy FAQs. 

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.

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.
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.
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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.