Allianz Care Health Insurance

Allianz Care's international plans explained — the cover levels, optional out-patient and dental, the three ways it underwrites your medical history, and how claims and pre-authorisation work.

Allianz Care is the international private medical insurance arm of Allianz, one of the world's largest insurers. Its international plans are built around three core levels you then tailor with optional out-patient and dental cover — and, unusually, it gives you a real choice of how your medical history is underwritten, which can make a big difference to what's covered from day one.

Plans & structure

You choose a core plan, then add the optional modules you want. The out-patient and dental modules must sit at the same level as your chosen core plan.

Add Out-patient and Dental modules at the matching plan level. Exact benefit limits and your area of cover (Worldwide vs Worldwide excl. USA) are confirmed at quote.

What's covered

• Inpatient & day-patient — hospital treatment and surgery sits in the core plan.
• Out-patient — consultations, diagnostics and therapies via the optional out-patient module.
• Dental — via the optional dental module at your plan level.
• Servicing — the MyHealth app handles claims and documents, with a 24/7 multilingual helpline.

Underwriting options — Allianz's real strength

Most insurers underwrite one way. Allianz Care offers a genuine choice of underwriting basis, which is why it's often the answer for people with medical history. Here's what the options mean:

FMU — Full Medical Underwriting

You declare your history (Allianz's application has 20 health questions). Allianz assesses it and tells you upfront what's covered, excluded or loaded — certainty from day one.

Moratorium (Mori)

No health questions upfront. Pre-existing conditions carry a 24-month waiting period — they can become eligible once you've gone two continuous years without symptoms, treatment or advice for them.

CPME — Continued Personal Medical Exclusions

Switching from another insurer? Your existing personal exclusions are carried across as-is, with no fresh underwriting of new conditions.

CTT — Continued / switch terms

Move onto broadly equivalent terms from a prior plan — but switch terms must be properly maintained, or Allianz may fall back to full medical underwriting.

Claims & pre-authorisation

• Pre-authorisation is required for inpatient and high-cost treatment (it's flagged in the Table of Benefits). Out-patient and dental claims are generally reimbursed through MyHealth.
• If you skip required pre-auth and the claim is later eligible, Allianz pays 80% of inpatient benefits and 50% of other benefits — so it pays to pre-authorise.
• Emergencies don't need pre-authorisation in advance, but you must tell Allianz about the admission within 48 hours.
• Invoices should be submitted within 60 days of discharge unless special arrangements are in place.

Who Allianz Care suits

A strong fit if you want the backing of a global insurer, a clean core-plus-modules structure, and — above all — a choice of underwriting. If you have medical history, being able to pick FMU vs Moratorium vs switch terms is genuinely valuable.

Worth comparing if you're highly price-driven at entry level, or you want a single all-in plan rather than core-plus-modules. Comparing the market shows Allianz beside the rest on price and terms.

Frequently asked questions

This page is general information, not personal or medical advice, and is based on Allianz Care plan documentation — exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. Allianz and the Allianz logo are trademarks of Allianz SE.