Allianz International Health Insurance

Allianz Care offers reliable international health insurance for individuals, families, and companies. Their plans are designed for expatriates who want comprehensive medical coverage abroad, with flexible options such as outpatient care, dental treatment, and maternity benefits. Allianz’s extensive global network ensures access to quality healthcare and smooth claim handling wherever you live or work. This insurance can be applied for up to the age of 75.

• Comprehensive medical coverage: inpatient and outpatient care, maternity, dental treatment, repatriation.

• 24/7 Emergency Assistance and access to the MediLine Medical Advice Service.

• Freedom of choice: select your preferred medical provider within your area of cover.

• Flexible policy: minimum contract period is one year; mid-year cancellation with reimbursement is possible if you return to your home country (proof required, e.g., boarding pass or utility bill).

• War risk included and reasonable and customary medical costs reimbursed in full.

• A physical medical examination at the applicant's own expense applies to persons who are 70 years of age or older at the time of application.

• Geographical Area of Cover:

  • There are four geographical areas of cover: Europe, Africa Only, Worldwide excluding USA, and Worldwide.

  • Within your chosen geographical area of cover, you are free to choose where you receive treatment. You are not limited to healthcare in your country of residence. Within this area, you may also plan and undergo treatments in another country, as long as that country is included in your geographical area of cover. However, travel and accommodation costs are at your own expense. An exception applies to the USA: there, you must use a contracted healthcare provider.

  • Outside your selected geographical area of cover, you have limited coverage. In such cases, the insurance provides reimbursement for emergency medical care only, for a maximum of 6 weeks per trip. This reimbursement does not apply to planned treatments.

  • If you want full coverage in the USA, you must choose Worldwide. If you do not live in the USA and choose excluding USA, Africa, or Europe, you will still have coverage in the USA during holidays and travel for unforeseen emergency medical situations, for a continuous period of up to 6 weeks.

  • If you live in Africa, you have the option to choose Africa Only coverage. This is more affordable, but it means you have limited coverage outside Africa, and therefore you will not have the option to undergo planned treatments or surgeries, for example, in the Netherlands.

Allianz Care Quote

Your premium is calculated based on factors such as your age, the specific plan you select, any optional add-ons, and your chosen deductible.

1. To get an accurate estimate, use our online premium comparison tool to create a personalized quote.
2. As a JoHo Insurances client, you benefit from an additional 10% discount on the premiums shown

Allianz Care quote

10% discount?
JoHo has a special discount agreement with Allianz Care: JoHo Insurances customers receive a 10% discount on premiums.

10% additional discount?

Throughout the year, Allianz offers a 10% discount when an insurance policy starts during promotional periods. The promotional periods for 2026 are:

• 15 September - 14 October 2026

• 23 November - 27 November 2026

If you take out the insurance through JoHo Insurances during a promotional period, you will therefore receive a 20% discount on the regular rate. This discount remains applicable for as long as the insurance remains in force.

Restricted countries

This individual health insurance is currently not available if you reside in one of the following countries: Brazil · Dubai · Germany · Iran · Ireland · North Korea · Russia · + all other countries under international sanctions.

In some countries, local health insurance is mandatory. International private health insurance does not meet the requirements of these local regulations.

You can apply for Allianz Care in two ways:

1. Medical underwriting
Allianz assesses your application based on a medical questionnaire. Complete and sign the application form & medical questionnaire (pdf) and return them to us.

• All persons aged 18 and over must sign the application form.
• A copy of the passport of every person to be insured, including children, must be provided.
• If you are over 70 when applying, you must also provide a medical examination report (pdf) completed by a doctor. The costs of the examination are at your own expense.
• You can submit an application subject to medical underwriting one month before the desired start date.

2. Applying with a moratorium (up to age 65)
You can also apply on a moratorium basis. In this case, you do not need to complete a medical questionnaire. However, existing or pre-existing medical conditions are initially excluded from cover. Complete the moratorium application form (pdf) and return it to us.

• All persons aged 18 and over must sign the application form.
• A copy of the passport of every person to be insured, including children, must be provided.
• Before choosing this option, we recommend reading how moratorium cover works and when pre-existing conditions may become eligible for cover in the Allianz Care benefit guide (pdf).
• You can apply for moratorium cover two months before the desired start date.

• Direct settlement for most in-patient treatments, with many outpatient agreements in place for specific providers.

• Simple claim submission for other outpatient or dental care: send your completed Claim Form by email, fax, scan, or post.

• Fast review: if additional information is needed, members or medical practitioners are contacted within 24 hours of receipt.

• Quick reimbursement: fully completed Claim Forms are typically processed and payment instructions sent to your bank within 48 hours (74% within 24 hours — one of the fastest in the market).

• Convenient payment options by bank transfer or cheque, in more than 135 currencies and over 150 countries.

• Automatic email updates keep members informed when a claim is received and when it’s processed.

• Quality control: the Claims team performs monthly audits of direct settlement batches submitted by hospitals.

We are happy to answer your questions. Fill out the contact form here.