Allianz Care expat insurance: what their own site publishes

Every fact below is taken from Allianz Care's own international healthcare plans page at allianzcare.com, checked on 11 August 2026. No review sites, no forums, no comparison blogs. We also make no claim about whether any consulate or immigration office accepts or rejects their certificates, because that is not information we hold.

They publish three core plans under the Care name. Care Base is described as their entry-level plan, with a maximum plan limit of £830,000 / €1,000,000 / US$1,350,000 / CHF 1,300,000. Care Enhanced sits in the middle at £1,660,000 / €2,000,000 / US$2,700,000 / CHF 2,600,000. Care Signature is their highest level at £3,100,000 / €3,703,705 / US$5,000,000 / CHF 4,814,815.

The same page offers two contract shapes: short-term cover in 3, 6, 9 or 12 month blocks, and annual cover for stays of 12 months or more. That distinction matters more than it looks, because a short-term product and a residence product are not interchangeable when a visa file is involved.

Allianz Care sets out a three-step build on their page, and it is the clearest thing on it. Step one is choosing your core plan and picking an optional deductible. Step two is adding any optional plans. Step three is choosing your area of cover from Worldwide, Worldwide excluding USA, Africa or Europe.

That third step is the one to slow down on if you are moving to Europe. A Europe area of cover and a worldwide area of cover are different products at different prices, and the one you pick is the one that will be described on your certificate. It is a common place for a file to go wrong, and it is a choice you make at quote stage rather than something you can fix later.

Their page also states that a moratorium underwriting option is available, which they describe as having no medical questionnaires to complete. Moratorium is a specific underwriting method with its own rules about how past conditions are treated over time, so it is worth reading their policy documents on that rather than treating "no questionnaire" as "no exclusions".

All three core plans list private room, diagnostic tests, surgeries, oncology, rehabilitation treatment, nursing at home and emergency out-patient treatment. Care Enhanced adds maternity, preventive surgery, bariatric surgery, and drug and alcohol addiction treatment. Care Signature carries those and adds laser eye treatment.

The structural point for anyone budgeting is what is not in the core plan. Out-patient cover, which their page describes as day-to-day medical cover including GP visits, diagnostic tests, vaccinations and regular health checks, is an optional plan bought on top. Dental is a separate optional plan too. Their page notes you can attach a deductible to the out-patient plan in exchange for a lower premium.

On family cover, their page states that routine maternity care and complications during pregnancy and childbirth are covered on Care Enhanced and Care Signature, and that family benefits such as pregnancy yoga, breastfeeding consultations, post-natal counselling, child hearing exams, speech therapy and first aid courses come with the out-patient cover on those plans. Fertility treatment is listed as available with the Care Signature out-patient plan. If maternity is the reason you are shopping, that combination of plan level plus add-on is the thing to price, not the headline plan name.

No premiums, as of 11 August 2026. Their international healthcare plans page carries maximum plan limits and a "get a quote online" route, plus a phone number and a callback request, but there is no price table and no example household anywhere on it. We will not estimate one for them.

The one price-adjacent figure they do publish is a promotion: 10% off international health insurance for life with promo code LIFE10, described on the page as valid from 15 July to 14 August 2026, selected plans only, terms and conditions apply. That is a dated snapshot of what was on their page when we checked, not a standing offer, and by the time you read this it may well have ended.

Their page publishes an A.M. Best financial strength rating of A+ Superior. It states a network of over 2 million medical providers, direct settlement of medical bills with the provider for most in-patient treatments, a 24/7 multilingual helpline and emergency assistance service, and fully completed medical claims processed within 48 hours.

On reviews, the page shows 4.7 out of 5 from over 3,000 Apple reviews and 4.3 out of 5 from over 7,000 Android reviews. Read those for what they are: app store ratings of an app, which is not the same measurement as claims satisfaction. Allianz Care attach their own caveat on the page, noting the ratings are based on recent reviews from people using the same type of device as the visitor, may not reflect all users' experiences and are subject to change.

Brand size does not clear a visa appointment. A document does. The four things that decide it are the exact wording printed on the certificate, whether the product is residence cover rather than travel or short-stay cover, whether it fits the specific rule of the country you are applying to, and whether the duration and territory match the visa you are asking for.

That argument already has a home on this site and we are not going to repeat it here. Read how to compare international health insurers for a visa for the method, and best expat health insurance for a visa for the criteria checklist.

Applied to Allianz Care specifically, the two build choices flagged above are the ones that show up on paper: which area of cover you selected, and whether you attached a deductible. Ask to see the certificate wording in writing before you pay, not after.

Our own numbers are published rather than quote-only, so here they are. For an adult aged 18 on the EU region, paid annually: Essential $392, Major Medical $721, Standard $1,133, Comprehensive $1,525 and Fully Comprehensive $1,906. Children aged 0 to 17 pay one flat rate per plan. What the price actually buys sets out what each tier carries.

The limits we will not soften: pre-existing conditions are excluded, treatment is covered worldwide excluding the United States, and there are age caps at 70 on the health plans and 80 on Essential.

Where does that leave the comparison honest? If you need a benefit ceiling in the millions, a worldwide area of cover that includes the United States, cover after our age caps, or fertility treatment, then a large global insurer's top tier is built for a case ours is not. If your move is into Europe, you want the number before you talk to anyone, and you would rather buy a plan than assemble one from add-ons, that is the case we are built for.