Allianz Care — an independent reference profile
Insurer profile · not a ranking
The international health and life arm of Allianz, operating from Dublin. The carrier most often already present through an employer scheme.
The shape of the offer
What their plans are like.
Individual plans and large group schemes — which means the first question is usually about the plan you already have through work, not a new one.
We keep this section general on purpose. Plan names, limits and premiums move every year, and a page pretending otherwise would be quietly wrong within one renewal cycle. The specifics belong in your report, dated, against your situation.
The structure, dated · facts checked 2026-08-16
What their published material actually says.
Everything below was read from the carrier's own pages and documents on2026-08-16 — specifically allianzcare.com global English and the Individual Benefit Guide — Care, valid from 1 November 2025 (DOC-IBG-CARE-EN-1125). This replaces the 2023 UK-edition guide the profile used to read from; Allianz publishes a current guide for exactly the Care range described here, and citing the older one was the sort of quiet staleness this file exists to prevent. Where their materials do not state something, this page says so rather than filling the gap. No premiums appear here because premiums are personal quotes, and no verdicts because this page ranks nothing.
| Tier | Published maximum | The note that matters |
|---|---|---|
| Care Base | €1,000,000 / yr | core hospital plan; outpatient is a separate optional plan |
| Care Enhanced | €2,000,000 / yr | maternity from this tier |
| Care Signature | €3,703,705 / yr | fertility only with this tier’s outpatient plan |
| Structure | A core hospital plan in three tiers, with optional Out-patient and Dental plans added on top — plus specialised Dubai and Singapore variants and short-term 3–12 month plans. |
| Area of cover / USA | Worldwide, or worldwide excluding the USA, Africa, or Europe — more exclusion geographies than most, which is a premium-control lever the others do not offer. |
| Underwriting | BOTH routes published — full medical underwriting, or a moratorium. The moratorium asks no medical questionnaire; in exchange, a pre-existing condition becomes eligible only once you have completed a continuous 24-month period after your start date in which you have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of it. Those last conditions are the half most summaries drop, and they are the half that decides cases. |
| Renewability | Automatic — conditional on the plan still existing and cover still being possible in your country of residence, and premiums paid, with terms revisable at renewal — but with an undertaking not to add restrictions or exclusions personal to a member for conditions that started after the policy began. Read the whole clause against a long posting. |
| Evacuation | Core: doctor-requested, organised by Allianz through the 24-hour helpline, and carried out “in the most economical way appropriate to your medical condition” — their words, worth knowing before an archipelago posting. |
| Cost-sharing | An out-patient deductible option reduces premium. Per-benefit waiting-period figures are not in the benefit guide at all: it says your Table of Benefits shows which benefits carry a waiting period, and that document is issued with your policy rather than published. |
| Dependants | Children covered to 18, or the day before the 26th birthday in full-time education. On a moratorium policy, adding a family member starts a NEW moratorium for that person — the household’s clock does not carry across to them. Newborns are the exception: accepted without a moratorium, cover from birth, where a parent has been insured 8+ continuous months AND you notify within four weeks. Miss the four weeks and the newborn is added on a fresh moratorium instead. No overall entry-age cap is published in the guide. |
| Network & claims | Over two million providers with direct settlement for most inpatient treatment; completed medical claims processed within 48 hours per the carrier; MyHealth app. |
| Underwriter & regulator | AWP Health & Life SA, regulated by the French ACPR, acting through its Irish branch in Dublin — “Allianz Care” is the registered business name. |
Sources
- Allianz Care — international healthcare plans — PRIMARY — verified 2026-08-01: tiers, maximums, areas, moratorium marketing, network claims
- Allianz Care — Individual Benefit Guide, Care (valid from 1 November 2025, PDF) — PRIMARY — read in full 2026-08-16: the moratorium definition, the renewal clause and its no-new-personal-exclusions undertaking, the evacuation wording, dependant rules and legal entity. Supersedes the August 2023 UK-edition guide (DOC-IBG-en-UK-0823) this profile previously cited; the substance of every claim survived the change, the source date did not. Re-read in full 2026-08-16, which corrected us: we used to say Allianz was the one carrier here publishing a moratorium route. It is not. The guide lists four policy types — full medical underwriting, moratorium, and two continued-exclusion variants — and claims exclusivity nowhere, while AXA publishes a moratorium in its own words. Both definitions now sit side by side rather than one being called unique
Structural comparisons
Allianz Care vs AXA Global Healthcare · Allianz Care vs Cigna Global
What we check first
The questions a review asks of this paper.
If yours is a group plan: who is actually named on it, and what happens when the job ends
The annual ceiling against the hospitals you would actually use
Continuation rights — whether the group plan can become an individual one without fresh underwriting
Holding a Allianz Care policy already? A review reads it for you
Other profiles
Bupa Global · Cigna Global · APRIL International · All insurers
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