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International Corporate Healthcare Insurance
International health insurance designed for businesses
We’ve been a trusted partner of intermediaries and employers for over 130 years, offering a relationship based on transparency, reassurance, and help when you need it most.
PARTNERS
EMPLOYERS
Insurance Partners: Building relationships
We’re proud to work with intermediaries, Managing General Underwriters (MGUs), administrators, insurers and bank insurers all around the world. We support our valued partners with tailored information, sales administration and access to a global bank of resources.
Join our Global Network
We are true partners in the international health and life industry, offering a relationship built on respect, trust and mutual benefits, including access to a worldwide system of sales, administrative and digital support.
Brokers, Agents & Intermediaries
We recognise that intermediaries play a valuable role in providing expert advice on international healthcare. Registering with us is easy and offers many benefits.
Managing General Underwriters (MGUs) & Administrators
We recognise that intermediaries play a valuable role in providing expert advice on international healthcare. Registering with us is easy and offers many benefits.
Insurers & Bank Insurers
We have developed a wide range of insurance products and corporate services, allowing insurers and bank insurers to offer tailored, value-added solutions to their clients.
VISIT OUR PARTNER SUPPORT CENTER
Employers: Protecting your employees
Allianz Partners helps corporate groups and international organisations of all sizes to look after the health and wellbeing of their employees. Get in touch with us directly to learn how we can insure your globally mobile workforce, providing international health insurance, support services, and most importantly, peace of mind.
Corporate health insurance plans
Small to medium enterprises
We know that every company is different, so we offer SMEs a flexible range of health and life insurance, as well as support services to help you as you grow your business internationally.
Corporates
As a global leader in insurance, we understand the needs of corporations and multinationals. We offer flexible plans to suit all budgets and fully tailored international health insurance with active account management and support for groups of 100+ employees.
IGOs, NGOs and governmental organisations
With over 130 years of experience in the field, we have a deep understanding of the challenges governmental organisations, IGOs and NGOs face, and provide a range of solutions, including administration services, cover for insurance risks, or a combination of both.
VISIT OUR EMPLOYER SUPPORT CENTER
FAQs
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.
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