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Allianz expat insurance: what you need to know



Allianz expat insurance is one of the many insurance policies offered on the market to cover people moving abroad.

Hiring this type of insurance is essential to face difficulties when moving to a new country, especially health expenses. Allianz, the leading European insurer, is a renowned company in this field.

But what are the coverages guaranteed by this special expat contract, and is it right for you?

What is Allianz expat insurance?

An insurance that follows you around the world

Allianz expat health insurance secures a wide range of coverages, which can be adapted to the needs of each individual.

This cover is valid throughout the world, including your home country, and not only the country where you are moving to. The contract can be signed as a stand-alone insurance policy, or as a complement to a local health insurance plan.

The insurance agreement is for a period of one year, tacitly renewable.

Membership cost depends on the number of people insured, country going abroad, age of the insured and signed coverage plan: the average cost is estimated at 70 euros/month.

Purchasing this insurance with Allianz will give you access to the many features of the “Allianz Travel” mobile application: access to the agreement, geolocation of health care facilities, emergency numbers, medication and first aid translator, contact with assistance teams and customer service.

Allianz expat insurance covers

Allianz expat health insurance is available in two packages: “premium” or “optimum health”, and both are offered in three different types: Basic, Medium and Premium.

The two packages cover basic protections: travel assistance (medical repatriation and coverage of transportation and hotel costs for a family member in case of onsite hospitalization, search and rescue costs, shipment of medicines, early return assistance), legal assistance, death assistance, and coverage of medical and emergency hospitalization costs abroad up to 150,000 euros.

Private civil liability, replacement vehicle, luggage insurance and personal accident insurance are only available as options.

The “optimum health” package is particularly interesting for the reimbursement of medical expenses, which is not included in the “premium” package:

  • Consultations
  • Hospitalization
  • Rehabilitation
  • Childbirth
  • Analysis and examinations
  • Optical
  • Medicines
  • Prostheses
  • Homeopathy
  • Etc.

Depending on the plan chosen, the reimbursement rate increases between 80 and 100% of the actual costs. It is also possible to benefit from a waiver of advance payment for hospitalization costs.

Allianz expat health insurance Terms & Conditions

Agreement conditions

Subscribing to this special insurance does not require an expatriation contract, but some conditions apply:

  • You must sign up before your departure
  • Be domiciled in your country of origin
  • Be under 75 years of age (automatic termination of the agreement when the insured reaches this age).

The medical questionnaire is mandatory and may result in the rejection of the application.

In order to be reimbursed for medical expenses and emergency hospitalization, it is also imperative to be affiliated to a primary health insurance plan during the entire period covered by Allianz.

Children born while living abroad lose their affiliation to their mother’s Allianz expat insurance after 4 months: they must take out a policy in their name.

Allianz expat insurance includes deductibles and exclusions

Allianz expat insurance cover is also subject to exclusions, barometers and caps, which are detailed in the general terms and conditions..

For example, an excess of 30 euros is applied to emergency medical expenses. Certain procedures are subject to prior approval by Allianz (MRI, rehabilitation, etc.), and are capped in terms of number/year or reimbursement (200 to 400 euros for optics, for example).

Please note that for childbirth, a waiting period of 10 months is applied. Finally, as with any insurance, medical pre-existing conditions may lead to exclusions from coverage.

To find out if Allianz’s expat insurance is right for you, you need to evaluate your situation and needs, and do not hesitate to use an online comparison tool, which will allow you to quickly obtain several quotes and compare different covers and rates.

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We know, you are very busy, and so are we! If you prefer to choose the date and time for us to call each other, just do so using the calendar !

This is also interesting:

What countries should I move to? The best countries to move to are not the same for everyone! Finding the ideal destination depends first of all on what is expected on a personal level.

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On le sait, vous êtres très occupé·e, et nous aussi ! Si vous préférez choisir la date et l’heure pour qu’on s’appelle, il vous suffit de le faire grâce au calendrier ci-dessous !

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