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Allianz Care vs IMG Global (GPMI)

Two of the most underwriting-flexible insurers on the market — but they flex in different directions. Here's how Allianz Care and IMG's Global Prima compare, for individuals and for groups.

Last updated: 25 June 2026 · Reviewed by IPMIcompare

At a glance

	Allianz Care	IMG Global (GPMI)
Plan structure	Care Base / Enhanced / Signature + modules	Bronze / Bronze Plus / Silver / Gold / Platinum
Dental & maternity	Optional out-patient & dental modules	Optional dental (6-mo) & maternity (10-mo)
Underwriting	FMU / Moratorium (24-mo) / CPME / switch	FMU / Moratorium / CPME / MHD (groups)
Claims	Pre-auth inpatient (80/50 if missed); MyHealth	Guarantee of Payment direct billing; pre-auth 5 working days
Servicing	MyHealth app + 24/7 helpline	MyIMG / MyALC portal + 24/7 helpline
Stands out for	Individual underwriting choice + global brand	Modular cover + group MHD

Where each one wins

Allianz's edge is individual underwriting choice and brand. For a person with medical history, being able to pick FMU vs Moratorium vs switch terms is genuinely valuable — and you get the backing of one of the world's largest insurers, with a clean core-plus-modules structure.

IMG's edge is modularity and group cover. Dental and maternity are bolt-ons you add only if you need them, and for company/group schemes IMG's Medical History Disregarded (MHD) basis can set members' medical history aside entirely — subject to a minimum number of lives that varies by insurer.

Which should you choose?

Choose Allianz Care if…

You're an individual or family who wants a choice of underwriting basis for your medical history, a clean plan structure, and a global-insurer name behind you.

Choose IMG Global if…

You want modular cover (pay for dental/maternity only if needed), or you're arranging company/group cover where MHD can disregard medical history.

Read the full breakdowns: Allianz Care guide · IMG Global guide.

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FAQ

Is Allianz or IMG cheaper?

Neither is reliably cheaper — it depends on your age, country, cover level, excess and optional benefits. IMG's modularity can lower its price if you skip dental and maternity. Compare both live for your situation.

Which is better for pre-existing conditions?

Both are flexible. For individuals, Allianz lets you choose FMU, Moratorium or switch terms. For groups, IMG's MHD basis can disregard medical history entirely (subject to a minimum number of lives). The right route depends on whether it's individual or group cover.

Which is better for a company / group scheme?

IMG often wins for groups thanks to its Medical History Disregarded (MHD) option. Allianz also offers group cover — the best choice depends on group size, member health and price, which is why you compare both.

General information, not personal or medical advice. Based on each insurer's plan documentation; exact terms, limits and underwriting are confirmed at quote. Prices are indicative. Allianz and IMG names and logos are the property of their respective owners.