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Specialised International
Healthcare Plans
Taking care of you and your family
We understand your expat health insurance needs can change depending on where you are in the world, and you may require a specialised international health insurance plan. With this in mind, we’ve crafted several specialised plans that are more suited to a variety of regions in Asia, Middle East, Europe, Africa and Americas, while providing global coverage options at the same time.
Our specialised international healthcare plans offer a variety of bespoke solutions to help you achieve a suitable level of cover, including:
- International health insurance plans that are compliant with local regulations and healthcare systems, to provide comprehensive coverage more suited to a specific region.
- Top-up International cover for individuals with other insurance plans, including JSIS (Joint sickness insurance scheme for officials and civil servants of the European Union) and Caisse primaire d’assuance maladie (the French statutory health insurance scheme).
International Health Insurance for specific regions
To comply with local regulation we have developed region specific international cover for your globally mobile employees.
Europe
International Healthcare Plans for France and Benelux
International Healthcare Plans for Germany
International Healthcare Plans for the United Kingdom
International Healthcare Plans for Switzerland
International Healthcare Top-up plans for groups in the EU
Middle East
International Healthcare Plans for France and Benelux
International Healthcare Plans for Germany
International Healthcare Plans for the United Kingdom
International Healthcare Plans for Switzerland
International Healthcare Top-up plans for groups in the EU
Asia
International Healthcare Plans for France and Benelux
International Healthcare Plans for Germany
International Healthcare Plans for the United Kingdom
Americas
International Healthcare Plans for France and Benelux
International Healthcare Plans for Germany
International Healthcare Plans for the United Kingdom
International Healthcare Plans for Switzerland
International Healthcare Top-up plans for groups in the EU
Ready to get your cover?
FAQs
We know you might want more information about international health insurance, so we’ve put together a list of our most commonly-asked questions right here.
I am looking for an international healthcare plan for a group. How many staff do I need to be considered a group?
International insurance with Group terms can be offered when there are three or more staff members.
For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.
What is the difference between Moratorium and Medical History Disregarded?
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.
Medical History Disregarded terms is members’ health information is not assessed. This means that:
- You won’t need to tell us about pre-existing conditions of any member to be covered.
- Pre-existing conditions are usually covered.
- Claims process is shorter because we already know that pre-existing conditions are covered.
- This option is usually offered to groups with more than 10 policies
Can I offer different level of cover within a group?
Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
Do you offer group emergency healthcare plan for business travellers?
Allianz Care offers Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:
- 90 travel days per insurance year each
- 180 travel days per insurance year each
* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions
In which countries do you offer group international healthcare plans?
We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you.
Does international group health insurance cover pre-existing conditions?
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.
For further information, please contact our Sales team.
How can I get an international employer health insurance?
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
International insurance with Group terms can be offered when there are three or more staff members.
For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.
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.
Medical History Disregarded terms is members’ health information is not assessed. This means that:
- You won’t need to tell us about pre-existing conditions of any member to be covered.
- Pre-existing conditions are usually covered.
- Claims process is shorter because we already know that pre-existing conditions are covered.
- This option is usually offered to groups with more than 10 policies
Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
Allianz Care offers Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:
- 90 travel days per insurance year each
- 180 travel days per insurance year each
* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions
We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you.
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.
For further information, please contact our Sales team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.
My Expat Life
Everything you need to know before you go and when you get there.
GO EXPLORE
Certain services included in your plan may be provided by third-party providers outside Vasukutumbkam Health Private Limited, such as the Expat Assistance Programme, Travel Security services, fitness app, Second Medical Opinion, and telemedicine services. If these services are part of your plan, they will be listed in your Table of Benefits. These services are subject to your acceptance of both the terms and conditions of your policy and those of the third-party providers. Please note that geographical restrictions may apply. The fitness app does not offer medical or health advice, and the wellness resources provided within Olive are for informational purposes only. These resources should not be considered a substitute for professional medical, physical, or psychological advice. They are also not intended to replace any diagnosis, treatment, assessment, or care that you may require from your doctor. By using these services, you acknowledge and agree that Vasukutumbkam Health Private Limited is not responsible or liable for any claim, loss, or damage arising directly or indirectly from your use of these third-party services.
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