Allianz Care International Health Insurance Review — from €145/mo

Allianz Care, from €145/mo, often undercuts Bupa Global by 10–20% in Europe. Our verdict on tiers, outpatient limits, maternity and direct settlement.

What Allianz Care cover includes

The international IPMI arm of the Allianz group — the strongest European-origin alternative to Bupa Global with distinctive HealthSteps app and MyHealth digital claims.

Allianz Care is the international IPMI arm of the Allianz group — one of the world's largest insurance groups, with headquarters in Munich and IPMI operations run out of Dublin (the group's primary EU IPMI hub since Brexit). The individual proposition is the International Healthcare Plan, a four-core-tier ladder (Care, Care Pro, Care Plus, Care Prestige) plus optional add-ons for outpatient, dental, maternity and evacuation. Allianz Care is the strongest European-origin alternative to Bupa Global and AXA Global — comparable network, comparable claims service, typically 10–20% sharper on like-for-like premium, and particularly strong for European-based expats. Its MyHealth app and HealthSteps wellness engagement are well-rated by members.

Choose Worldwide (including or excluding USA and Canada), or region-specific. No area rating within your chosen region.

Allianz Care at a glance

• Established: Allianz group founded 1890; Allianz Worldwide Care (now Allianz Care) established 2000.
• Head office: Dublin, Ireland — the primary EU IPMI hub since Brexit.
• Regulation: AWP Health & Life SA is a public limited company governed by the French Insurance Code, authorised by the French Prudential Supervision and Resolution Authority (ACPR). Ireland-based distribution is regulated by the Central Bank of Ireland.
• Best suited to: European-based expats and dual-residency clients; Corporate schemes wanting Allianz group brand strength without the Bupa Global premium; Africa and Asia-based expats where Allianz Care direct-settlement is particularly strong
• Indicative starting premium: €145/mo
• PremierPMI broker rating: 4.6 out of 5
• Corporate group: Allianz — 125m+ customers in 70+ countries
• Individual product range: International Healthcare Plan — Care / Care Pro / Care Plus / Care Prestige
• Annual overall maximum: €1.25m (Care) → unlimited (Care Prestige)
• Modular options: Outpatient · Dental · Maternity · Evacuation · Repatriation
• 24/7 support: Multilingual Dublin service hub + regional teams

Allianz Care plan tiers compared

Benefit limits, line by line

Allianz Care hospital access and network

Allianz Care provides direct-settlement access to a global network with particular strength in Europe (French, German, Spanish and Portuguese networks are notably strong), the Middle East, Africa and Asia. UK direct-settlement includes HCA and other named-brand London hospitals — network breadth is comparable to AXA Global though slightly narrower than Bupa Global at the tier-1 UK end. Non-network treatment is available on pay-and-reclaim.

Emergency medical evacuation is included on most Allianz Care plans, co-ordinated by the Dublin 24/7 assistance team, using air ambulance where medically required. Repatriation to home country is included both for continued treatment and post-discharge return. Reasonable escort costs for one family member are covered. Confirm bundled vs modular evacuation at placement.

Underwriting basis

• Full medical underwriting (FMU) via declaration is the standard route for individuals and families.
• Continuous personal medical exclusions (CPME) available on transfer from a like-for-like IPMI plan.
• Medical history disregarded (MHD) available on larger corporate schemes typically from 20+ members subject to underwriting.
• Guaranteed lifetime renewal — Allianz Care cannot selectively non-renew individual members for making claims.

Indicative Allianz Care premiums by age

Illustrative desk figures, not quotes — every premium is individually underwritten.

Making a claim

• 1. Contact Allianz Care's 24/7 team — For planned treatment, notify Allianz Care via the MyHealth app or Dublin service line before booking. For emergencies, seek treatment and notify as soon as safe.
• 2. Pre-authorisation — Allianz Care reviews the treatment plan and issues direct settlement authorisation to in-network hospitals — no upfront payment needed.
• 3. Attend treatment — Present your membership card. Direct settlement at in-network facilities; out-of-network on pay-and-reclaim.
• 4. Reimbursement via MyHealth — Submit outpatient or out-of-network claims via the MyHealth app in seconds — snap the invoice, tag the benefit, submit. Reimbursement typically within a few working days in your currency of choice.

Where Allianz Care stands out

• Typically 10–20% sharper on like-for-like premium than Bupa Global — the strongest structural value alternative in premium IPMI.
• Dublin EU IPMI hub gives strong post-Brexit European regulatory certainty and multilingual service.
• MyHealth app is genuinely well-rated for digital claims — most outpatient reimbursements settle in a few working days.
• HealthSteps engagement programme rewards active healthy behaviour — comparable to Vitality-style wellness on UK PMI.
• Care Prestige has an unlimited annual overall maximum — genuine HNW competitor to Bupa Global Ultimate / AXA Prestige Plus.

Watch-outs before you buy

• USA cover is a separately-priced option — always confirm before travelling for planned US treatment.
• UK tier-1 hospital direct-settlement is broadly comparable to AXA Global but narrower than Bupa Global at the very top end (Cromwell, King Edward VII).
• Add-on module structure requires advisor input — under-buying on outpatient or dental is the common placement mistake.
• Full medical underwriting means pre-existing conditions may be excluded or loaded. CPME transfer from like-for-like IPMI is the cleaner route.

PremierPMI broker desk notes

• For European-based expats (France, Spain, Portugal, Italy, Germany), Allianz Care is our default cross-quote alongside AXA Global — European direct-settlement is best-in-class and premium is usually 10–20% below Bupa Global.
• For Africa- and Asia-based expats, Allianz Care's Care Plus with full outpatient competes strongly against Cigna Global Gold + Prestige outpatient module — always cross-quote both.
• For HNW clients wanting unlimited annual maximum with a European-origin brand, Allianz Care Prestige is the natural cross-shop against Bupa Global Ultimate and AXA Prestige Plus.
• AWP Health & Life (Allianz group) is also the underwriter behind many William Russell plans — clients ultimately end up with Allianz cover through both distribution routes.

Allianz Care compared with other insurers

Broker verdict

Allianz Care is the European value pick in premium IPMI — the right recommendation when a globally-mobile client wants Bupa Global / AXA-tier cover from a top-brand European insurer at 10–20% sharper premium, and the natural default for European-based expats. Care Prestige competes credibly at the very top of the market against Bupa Global Ultimate.

Best for: Best for European-based expats and value-conscious HNW globally-mobile clients.

Common questions

What is Allianz Care?

Allianz Care is the international private medical insurance arm of the Allianz group. Formerly branded Allianz Worldwide Care, it provides IPMI cover to globally-mobile individuals, families and corporate members from its Dublin service hub. Cover is underwritten by AWP Health & Life SA, a French-regulated Allianz group entity.

How much does Allianz Care cost?

Allianz Care premiums vary by age, region, chosen tier and any add-on modules. As a broad illustration, single-adult premiums start from around €145/month for Care and can exceed €375/month for Care Prestige at older ages. PremierPMI quotes live premiums against your specific age, region and module selection.

Is Allianz Care cheaper than Bupa Global?

In PremierPMI's placement experience, Allianz Care is typically 10–20% cheaper than Bupa Global on like-for-like cover — particularly at working-age bands and for European-based expats. The gap is largest at Care Plus vs Bupa Global Premier comparisons. We cross-quote both on every placement.

Where is Allianz Care regulated?

Cover is underwritten by AWP Health & Life SA, a French-regulated Allianz group public limited company authorised by the French Prudential Supervision and Resolution Authority (ACPR). Distribution runs primarily through the Dublin service hub regulated by the Central Bank of Ireland — the Allianz group's primary EU IPMI operating centre since Brexit.

Does Allianz Care include evacuation?

Emergency medical evacuation is included on most Allianz Care International Healthcare Plans, but the exact bundling depends on tier and any modular structure elected. Always confirm evacuation is bundled vs an add-on at placement — PremierPMI verifies this on every quote.

Does Allianz Care cover the USA?

USA cover is a separately-priced option on Allianz Care plans. The default region of cover excludes routine US treatment. Add the USA option if you live in the USA, travel there frequently, or plan any elective US treatment. As with all IPMI, the USA option materially increases premium.

Price basis: Illustrative single-adult monthly premium on the provider's entry international tier, excluding USA cover and optional modules. Premiums vary by age, region of cover, tier and module election.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 020 8064 2273, or email contact@premierpmi.co.uk.