Healthcare cover for expatriate families
Your cover is also subject to:
- Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
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Planning to start a family or extend it?
Build your plan
Our plans offer excellent benefits for families, as well as optional extras to help you tailor your cover according to your family's unique needs.
Care Pro
£ 3,100,000 /
€3,703,705/
US$ 5,000,000/
CHF 4,814,815
Care Plus
£ 2,460,000 /
€ 2,963,000 /
US$ 4,000,000 /
CHF 3,852,000
Care
£ 1,575,000 /
€ 1,851,850 /
US$2,500,000 /
CHF2,407,400
- Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre
- Where ongoing treatment is required, we will cover hotel accommodation costs
- Evacuation in the event of unavailability of adequately screened blood
- If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs for 7 days
US$ 1,350 / CHF 1,300
Global Health Services
Optional Core Plan Deductibles
Deductible amount
No deductible
£374/€450/ US$610/ CHF585
£625/€750/ US$1,015/ CHF975
£1,245/€1,500/ US$2,025/ CHF1,950
£2,490/€3,000/ US$4,050/ CHF3,900
£4,980/ €6,000/ US$8,100/ CHF7,800
£8,300/€10,000/ US$13,500/ CHF13,000
Discount on your Core plan premium when you don’t add a maternity plan
0% premium discount
5% premium discount
10% premium discount
20% premium discount
35% premium discount
50% premium discount
60% premium discount
Discount on your Core plan premium when you add a maternity plan
0% premium discount
2.5% premium discount
5% premium discount
10% premium discount
17.5% premium discount
25% premium discount
30% premium discount
Get your health cover in a few simple steps
Getting your policy is much easier and faster when you choose our Moratorium underwriting option.
There are no medical questionnaires to complete. It’s hassle free.
10% off your international health insurance for life!
Promocode: LIFE10
Selected plans only. T&Cs Apply.
My Expat Life
Why choose us?
Don't see the right plan for you online? Call us and we will mix and match our plans to fit your needs
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FAQs
Your family are covered for medical insurance and treatment in any country within your area of cover, as shown in your Insurance Certificate.
If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses.
If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling.
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Family Healthcare Insurance Certificate to confirm which one applies to you.
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.
Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.
- For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
- For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
For further information, please contact our Sales team.
Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:
- You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
- There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
- Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
- Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
- This option is available to individuals or groups with 3 to 9 policies
- Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.
Full medical underwriting is when we assess the insurance risk before cover starts. This means that:
- You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
- Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
- Claims process is shorter because we already know if pre-existing conditions are covered.
- This option is available to individuals or groups with 3 to 9 policies.
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Here’s the story behind what we do and why we do it. Our mission is to help you be well.
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ITIJ Award Winner
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EFMA & Accenture Innovation in Insurance Awards Winner
UK Health & Protection Award Win
UK Health & Protection Award Win
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Certain services that may be included in your plan are provided by third party providers outside the Allianz group, such as the Expat Assistance Programme, Travel Security services, HealthSteps App, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These Services may be subject to geographical restrictions. The HealthSteps App does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps App and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.