Allianz Care review 2025: complete guide for expats & digital nomads

Cancer treatment can cost hundreds of thousands of pounds in some countries. If you’re an expat, you likely won’t have the support of that country’s health system and could be bankrupted if you needed expensive treatment. That’s what international health insurance is for.

Allianz Care has been providing international health insurance since 2000 and has a global network of over 2 million healthcare providers. This makes it one of the biggest players in international healthcare.

This review will give you the key information about Allianz Care. Then you can decide if it’s right for your next international health insurance policy. For the pricing tables and comparisons with over providers, we’ve outlined our methodology.

Allianz Care

The Munich-headquartered financial services company offers international health insurance plans for expatriate students, professionals, couples and families. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental consultations, maternity, surgery, and outpatient fees.

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Who is Allianz Care? Company overview

Allianz Care’s parent company was founded in 1890. In 2000, what would become Allianz Care was launched, with a focus on international health insurance.

That was called Allianz Worldwide Care. In 2020, the brand name changed to Allianz Care. Parent company Allianz SE is one of the largest insurance companies in the world.

Allianz Care’s policies are made for expats, digital nomads and international workers. 

It has a network of over 2 million healthcare providers in over 200 territories. This is one of the largest networks among international health insurers.

Compared to its competitors, it stands out for its large network and easy-to-use app and website. It also offers region-specific plans alongside its worldwide plans. It is regulated in multiple jurisdictions.

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Plans & coverage

Allianz offer three levels of care:

• Care Base: Entry-level plan to cover the essentials. The maximum annual plan limit is £830,000. Good for younger expats or those on a budget.
• Care Enhanced: Comprehensive health insurance with additional benefits. The maximum annual plan limit is £1,660,000. Suitable for someone who needs security around cover and has more income.
• Care Signature: The highest level of cover. The maximum annual plan limit is £3,100,000. Those with established careers, older expats and retirees who want complete cover.

Let’s take a closer look at each plan.

Care Base

Annual Maximum Coverage: £830,000 / €1,000,000 / US$ 1,350,000 / CHF 1,300,000

Monthly Premium Range: £110 – £259

Key Benefits Included:

• Private room
• Diagnostic tests
• Surgeries
• Oncology
• Rehabilitation treatment
• Nursing at home
• Emergency out-patient treatment

Geographical Coverage: Worldwide, Worldwide excluding USA, Africa or Europe

Care Enhanced

Annual Maximum Coverage: £1,660,000 / €2,000,000 / US$ 2,700,000 / CHF 2,600,000

Monthly Premium Range: £128 – £287

Key Benefits Included:

• Includes all Care Base benefits, plus:
• Maternity
• Preventive Surgery
• Bariatric Surgery
• Drug and alcohol addiction treatment

Geographical Coverage: Worldwide, Worldwide excluding USA, Africa or Europe

Care Signature

Annual Maximum Coverage: £3,100,000 / €3,703,705 / US$5,000,000 / CHF 4,814,815

Monthly Premium Range: £176 – £371

Key Benefits Included:

• Includes all Care Enhanced benefits, plus:
• Laser eye treatment

Geographical Coverage: Worldwide, Worldwide excluding USA, Africa or Europe

Allianz also offers specialised geographic plans for different regions.

Learn more about Allianz’s plans on their website.

How much does Allianz Care cost?

* Factors: Birthday is 1 January 2000,1990,1980,1970. Lives in the United Kingdom. Coverage is Worldwide excluding USA. Cover begins on 27 December 2025. Quotes generated on 2 December 2025. Zero deductible. Monthly cost. No pre-existing conditions. No plan add-ons. No outpatient add-on.

You can pay your premiums annually (no surcharge), half-yearly (3% surcharge), quarterly (4% surcharge) or monthly (5% surcharge) by direct debit card. If you want to pay by bank transfer, you can only pay annually. 

How to reduce your premiums

1. Choosing higher deductibles. Your premium will go down if you have a higher deductible.
2. Geographic restrictions. Only get cover in the country or regions that you need it. 
3. Annual payment discounts. Allianz has a surcharge if you choose to pay monthly, quarterly or every six months. The cheapest way to pay your premium is annually.
4. Excluding certain coverage types. Make sure the cover is appropriate for you. For example, if you’re not planning to have a child, you won’t need pregnancy cover.

Pros and cons of Allianz Care

Advantages

• Over 2 million healthcare providers in its global network
• Specialised plans available for certain regions
• Easy-to-use app and website
• Processes completed claims within 48 hours
• 24/7 customer service
• Coverage limits comparable to other providers

Disadvantages

• Premiums can be expensive
• Coverage exclusions
• Geographic restrictions
• Maternity cover has long waiting periods
• Outpatient cover needs to be added on to core plan

Who should choose Allianz Care?

Best for:

• Expats who want stability and high coverage limits
• Those who want a large network of healthcare providers

Allianz Care has a range of plans for specific regions. These comply with local regulations in each region. It also offers worldwide and worldwide excluding USA.

Not ideal for:

• Those on a budget

If you’re on a budget, a cheaper provider could be a better fit. 

How flexible are Allianz Care’s policies?

There’s a 30-day cooling-off period. If you’re not happy with the policy you need to cancel within that timeframe. It’s not possible to cancel the policy after this period ends and you would need to wait until renewal.

Auto-renewal can be set up and you should be sent a renewal letter about a month before the renewal date.

How does Allianz compare against the competition?

How does Allianz Care stack up against other health insurance providers?

We take a look at Allianz vs two other key providers: Cigna Global and April International.

Allianz Care vs. Cigna Global

When comparing Allianz Care and Cigna Global, both providers offer three main plan levels:

• Allianz Care offers Care Base, Care Enhance, and Care Signature.
  • Annual plan limits range from $1,350,000 (Care Base) to $5,000,000 (Care Signature).
• Cigna Global offers Silver, Gold, and Platinum.
  • Annual plan limits range from $1,000,000 (Silver) to Unlimited (Platinum). Note: Limits are for inpatient and daypatient treatment.

Who are they for?

• Allianz Care is aimed at retirees and professionals who are looking for reliable care.
• Cigna Global is a good fit for older retirees, as there is no upper age limit, and those who want a more customised plan.

Key Features and Network

• Allianz Care provides an easy-to-use app and website. You can choose cover specifically for Europe or Africa, as well as worldwide and worldwide excluding the USA. They have a large network of over 2 million providers across 200 markets.
• Cigna Global offers customisable care and has no upper age limits. Their network includes 1.5 million providers in 200 markets.

Learn more about Cigna’s pricing and plans.

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Allianz Care vs. April International

Both Allianz Care and April International are popular choices, but they differ in the number of plans and target audience.

• Allianz Care has three plans (Care Base, Care Enhance, and Care Signature) with annual limits between $1,350,000 and $5,000,000.
• April International offers four plans (International, International Plus, Executive, and Executive Plus), all with an annual limit of $2,000,000.

Who are they for?

• Allianz Care is generally targeted at retirees and professionals seeking reliable health care.
• April International is better suited for younger expats or long-term travellers who want flexibility with their cover.

Key Features and Network

• Allianz Care is known for its easy-to-use digital tools (app and website) and flexible coverage options, including specific cover for Europe or Africa, as well as worldwide and worldwide excluding the USA. They boast a network of over 2 million providers in 200 markets.
• April International highlights affordable cover and fast claim settlement, usually within 5 days. Their global network also consists of 2 million providers.

Learn more about April International’s plans and pricing.

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How to get started with Allianz Care

1. Visit the Allianz Care website. If you enter who the cover is for and where you need cover, you’ll get taken to a page comparing the different plans.
2. Get your personalised quote. You can start this after completing step 1.
3. Compare plan options. Have a look at what each plan includes and which one is most suitable for your needs.
4. Complete the application. When you’re ready to decide, enter your details correctly and fill out all the forms. You can request a callback if you need help. Otherwise you can proceed to payment.
5. Make your first payment. You can do this online and choose the payment frequency. Remember there’s a surcharge if you pay more frequently than annually.
6. Receive policy confirmation. You’ll get your policy documents emailed to you. It’s important to make sure the information is correct.

Final verdict: is Allianz Care worth it?

As one of the big players in international health insurance, Allianz Care could be a good choice for your needs. Especially if you’re after an insurer with a large network. Its premiums aren’t the cheapest in the market but the cover levels are high.

If you want a region-specific plan then this could also be right for you. 

If you’re on a smaller budget or don’t need a high level of cover then other providers might offer you better value.

You might also need to consider if you need outpatient care because Allianz Care’s plans have that as an add-on, while other providers include it in their plans.

You should compare quotes from multiple providers and decide exactly what you need before purchasing insurance.