International Health
Insurance with
Maternity Cover

If you're thinking about starting a family or planning to extend it, you'll have lots to plan and organise, especially if you're working and living abroad. Choosing a health insurance plan for pregnancy should be an easy decision. We can provide flexible maternity cover protecting your family as it grows. On top of that, 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.

Explore our range of plans without maternity cover.  
 
Our Care plans offer excellent benefits if you are planning to grow your family, with 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 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 
Type of room
Private Room
Private Room
In-patient / Day-care
Medical evacuation
Oncology
Nursing at home
€4,250
€2,500
Rehabilitation treatment
€4,420
€2,500
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
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
Discount on your annual
premium when you
add a maternity plan

 

0% premium discount

 

0% premium discount

5% premium discount 5% premium discount

10% premium discount

2.5% premium discount

20% premium discount

10% premium discount

35% premium discount

17.5% premium discount

50% premium discount

25% premium discount

60% premium discount

30% premium discount
Out-patient
Dental
Repatriation
Maternity
One of the following maternity plans can be purchased with our Care Pro or Care Plus plans.
                                

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Routine maternity
€10,000
€5,000
Complications of childbirth
€15,000
€10,000

Add an out-patient plan and make sure your day-to-day medical costs are covered. Our Active Pro or Active Plus out-patient plans include additional maternity benefits such as:

 

maternity pilates
family expenses
(Active Pro plan only)
breastfeeding consultation
pre and post-natal care
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.
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 

You can receive 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 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.

Our Bloom and Bloom Plus maternity plans include routine maternity and complications of childbirth. Please note a 16 month waiting period applies to these benefits. If chosen, the following additional family and maternity-related benefits are available on our Active Pro or Active Plus out-patient plans.

  • Pregnancy Yoga or Pilates
  • Breastfeeding consultation
  • Post-natal counselling
  • Family expenses during the childbirth (Active Pro plan only)
  • Child hearing exam
  • Child home nursing
  • Child speech and language therapy (Active Pro plan only)
  • First-aid course (Active Pro plan only)

For further information, please contact our Sales team.

Absolutely, we can offer different levels of cover from Policyholder to dependent. Please call our dedicated sales team on +353 1 514 8480 to discuss this product.  

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

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.