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Allianz Care international health insurance for expats in Africa

Allianz Care builds its international cover from three core plans plus matching out-patient and dental modules, and it is one of the few insurers that lets you choose how your medical history is underwritten. IPMIAfrica sets out how it works from Africa.

Last updated: 19 October 2026 · Reviewed by IPMIAfrica

In short: Allianz Care builds international health insurance from three core plans, Care Base, Care Enhanced and Care Signature, with optional out-patient and dental modules that must match the core level. It suits expats in Africa who want a global insurer and, unusually, a choice of underwriting basis: full medical underwriting, moratorium, or CPME and switch terms for anyone with medical history.

Key takeaways

Any out-patient or dental module must sit at the same level as the core plan you choose.
Moratorium underwriting asks no health questions but applies a 24-month waiting period to pre-existing conditions.
Skipping required pre-authorisation cuts an eligible claim to 80% of inpatient and 50% of other benefits.
Allianz publishes four areas, Worldwide, Worldwide excluding USA, Africa only and Europe; both worldwide areas include every African country IPMIAfrica covers.
Emergencies need no prior approval, but Allianz must be told of the admission within 48 hours.

Core plansCare Base · Care Enhanced · Care Signature

ModulesOut-patient and Dental, at the same level as the core plan

UnderwritingFull medical underwriting, Moratorium, or CPME / switch terms

Pre-authorisationRequired for inpatient and high-cost treatment

EmergenciesNotify Allianz within 48 hours of admission

ServicingMyHealth app plus a 24/7 multilingual helpline

On this page

How the plan is put together
What each layer covers
A genuine choice of underwriting
Claims, pre-authorisation and deadlines
Using Allianz Care from Africa
Who Allianz Care suits
FAQ

How the plan is put together

Allianz Care is the international private medical insurance (IPMI) arm of Allianz, one of the largest insurance groups in the world. Its international plans follow a simple pattern: pick one of three core plans, then bolt on optional out-patient and dental modules. The one rule to remember is that any module you add must sit at the same level as the core you chose, so a Care Enhanced core takes Care Enhanced out-patient and dental, not a mix.

Core plan	Where it sits
Care Base	Entry-level core cover
Care Enhanced	The middle tier, with broader limits and benefits
Care Signature	Allianz's most comprehensive level

Maximum plan limit: Care Base US$1,350,000 (£830,000), Care Enhanced US$2,700,000 (£1,660,000), Care Signature US$5,000,000 (£3,100,000). Areas of cover: Worldwide, Worldwide excluding USA, Africa only and Europe (Allianz Care Table of Benefits, Care, valid from 1 November 2025, pp.6 and 20, read 19 October 2026).

What each layer covers

Core plan: inpatient and day-patient hospital treatment, including surgery.
Out-patient module: consultations, diagnostics and therapies, added at your plan level.
Dental module: dental benefits, again at your plan level.
Servicing: the MyHealth app handles claims and documents, backed by a 24/7 multilingual helpline.

When weighing Allianz against another insurer, compare the core level and modules first, then the area of cover. As with most international plans, removing the USA from the area, if you have no need for it, is the single largest saving. Our guide to inpatient versus outpatient cover helps you decide whether the out-patient module is worth adding for your household.

A genuine choice of underwriting

Most insurers assess your medical history one way. Allianz Care offers a choice, which is why it is often the answer for people who have something in their medical past. The options are:

Full Medical Underwriting (FMU): You answer Allianz's application, which has 20 health questions. Allianz reviews your history and tells you before you buy what is covered, excluded or loaded, so there is certainty from day one.
Moratorium: No health questions at application. Pre-existing conditions carry a 24-month waiting period and can become eligible once you have gone two continuous years without symptoms, treatment or advice for them.
Continued Personal Medical Exclusions (CPME): If you are switching from another insurer, your existing personal exclusions carry across as they are, with no fresh underwriting of new conditions.
Switch terms: You move onto broadly equivalent terms from a prior plan. These terms must be properly maintained, or Allianz may fall back to full medical underwriting.

If you have any medical history, the basis you pick changes what is covered from the first day. Our pre-existing conditions guide compares the options in plain English, Nomi can flag the question during a comparison, and an experienced adviser confirms the terms before you buy.

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Claims, pre-authorisation and deadlines

Allianz's claims rules are clear and worth knowing before you need them:

Pre-authorisation is required for inpatient and high-cost treatment. The Table of Benefits flags which items need it.
If you skip required pre-authorisation and the claim is later found eligible, Allianz pays 80% of inpatient benefits and 50% of other benefits. Pre-authorising is cheaper than not.
Emergencies do not need authorisation in advance, but you must tell Allianz about the admission within 48 hours.
Out-patient and dental claims are generally reimbursed through the MyHealth app.
Invoices should be submitted within 60 days of discharge unless special arrangements are in place.

Using Allianz Care from Africa

For IPMIAfrica readers in South Africa, Kenya, Nigeria, Ghana, Egypt, Morocco, Tanzania and Mauritius, Allianz Care publishes four areas of cover, Worldwide, Worldwide excluding USA, Africa only and Europe (Allianz Care Table of Benefits, Care, valid from 1 November 2025, pp.6 and 20, read 19 October 2026). The two worldwide areas include Africa, and Africa only is the narrower choice; check which countries Allianz counts as Africa. Within the chosen area a member is covered at home and when treated in another country. That matters in places where a complex diagnosis may mean travelling for care. Our guide to regional versus worldwide cover explains why that flexibility is worth paying for in some countries and not in others.

Medical evacuation and repatriation are included on all three core plans, with pre-authorisation: where necessary treatment is not available locally, Allianz evacuates you to the nearest appropriate medical centre or, if your home country is inside your area of cover, you can choose repatriation there (Table of Benefits, Care, valid from 1 November 2025, p.9, read 19 October 2026). Our evacuation guide lists the questions to ask.

Allianz publishes each plan limit in sterling, euros, US dollars and Swiss francs, and the plan currency is set at quote. Two practical rules apply wherever you are treated: get pre-authorisation for planned inpatient and high-cost treatment, and in an emergency notify Allianz within 48 hours of admission so the 80% and 50% reductions never bite. Day-to-day out-patient and dental claims run through the MyHealth app, and the 24/7 multilingual helpline is there for the moments when the app is not enough.

Who Allianz Care suits

Allianz Care is a strong fit if you want a global insurer behind the plan, a clean core-plus-modules structure, and above all a choice of underwriting basis. For anyone with medical history, being able to pick between full medical underwriting, moratorium and switch terms is genuinely valuable.

It is worth comparing alternatives if you are price-led at the entry level, or you would rather buy one all-in plan than build cover from modules. See how it lines up in our Cigna versus Allianz and Allianz versus IMG comparisons, or browse every insurer we cover.

Frequently asked questions

What plans does Allianz Care offer?

Three core plans, Care Base, Care Enhanced and Care Signature, which you tailor with optional Out-patient and Dental modules. The modules must sit at the same level as the core plan you choose.

How does Allianz Care underwrite pre-existing conditions?

You choose. Full Medical Underwriting means declaring your history and getting certainty upfront. Moratorium means no health questions, but a 24-month waiting period on pre-existing conditions. CPME or switch terms carry across the exclusions or terms you already had with another insurer.

What is the moratorium waiting period?

Under Moratorium underwriting, pre-existing conditions carry a 24-month waiting period. A condition can become eligible once you have had two continuous years free of symptoms, treatment or advice for it.

Does Allianz Care cover me across Africa?

Allianz Care's Table of Benefits (Care, valid from 1 November 2025) lists four areas: Worldwide, Worldwide excluding USA, Africa only and Europe. The two worldwide areas include every country IPMIAfrica covers; for Africa only, check which countries Allianz counts as Africa. Medical evacuation and repatriation are included on all three core plans, with pre-authorisation (Table of Benefits, Care, valid from 1 November 2025, p.9).

Do I need pre-authorisation?

Yes, for inpatient and high-cost treatment shown in the Table of Benefits. Without it, Allianz pays 80% of inpatient and 50% of other eligible benefits. Emergencies do not need prior approval, but you must report the admission within 48 hours.

How do I make a claim?

Out-patient and dental claims are generally handled through the MyHealth app. Inpatient and high-cost treatment is pre-authorised in advance. Invoices should be submitted within 60 days of discharge unless special arrangements are in place.

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This page is general information, not personal or medical advice, and is based on Allianz Care plan documentation; exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. Plan limits and areas of cover from Allianz Care's Table of Benefits, Care, valid from 1 November 2025, pp.6 and 20, read 19 October 2026: https://assets.turtl.co/pdfs/tenant=allianzcare/care-tob-en.pdf. Allianz and the Allianz logo are trademarks of Allianz SE.