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Allianz International Health Insurance: Should You Get It?

Allianz International Health's Singapore Premier Individual plan is suitable for expatriates or foreigners living in Singapore or local citizens who want to get medical treatment abroad.
PROMO: Enjoy 10% off selected plans for life!

Allianz International Health Insurance: Should You Get It?

Allianz International Health's Singapore Premier Individual plan is suitable for expatriates or foreigners living in Singapore or local citizens who want to get medical treatment abroad.

4.3/5.0

ValueChampion Rating ValueChampion Icon

Coverage
Optional Deductibles
Hospitalisation Accommodation

Pros

  • Protection Against COVID-19, Epidemics And Pandemics, when diagnosed with the disease
  • 24/7 Multilingual Assistance And Support
  • Paperless Online Claims processed within 48 hours
  • Customisable
  • Higher than average Annual Overall Limit

Cons

  • Need to pay extra to have out-patient, dental, repatriation, and maternity benefits
PROMO: Enjoy 10% off selected plans for life!

Allianz’s International Health Insurance plans may be a good choice for expatriates and Singaporeans who wish to purchase a comprehensive international health insurance plan with room for customizability. With the ability to customize your plan, consumers who are on a tighter budget are able to choose whether they would like to pay for the optional add-on plans such as the out-patient, dental, repatriation, and maternity plan. However, the aforementioned add-on plans cannot be bought alone.

Summary of Allianz International Health Insurance

Feature of Allianz's International Health Insurance Plans Customisable Coverage
Higher than average Annual Maximum Benefit
24/7 Multilingual Assistance And Support
Need to pay extra to have out-patient, dental, repatriation, and maternity benefits
Promotion: 10% OFF for life Promotion Singapore

Highlights of Allianz International Health Insurance

Allianz’s international health insurance will benefit those who are looking for customizable and affordable hospitalization coverage. For the core plan, there are a total of four tiers to choose from, namely the Singapore Premier Individual, Singapore Club Individual, Singapore Classic Individual, and Singapore Essential Individual.

You can also choose your plan based on your desired region coverage (Worldwide and Worldwide Excluding US), annual coverage limit, and type of hospital room (Private and Semi-Private).

Priding themselves in having 24/7 multilingual assistance and support, Allianz’s international health insurance plan allows for almost everyone to purchase a plan without language barriers. You may also purchase these plans for your spouse and children.

With flexible and comprehensive plans available, individuals looking for comprehensive coverage will benefit from any of Allianz’s plans.

What Makes Allianz International Health Insurance Stand Out

To start off, Allianz’s core plan offers a higher than average maximum plan benefit of up to S$4,000,000 for the Singapore Premier Individual plan. Across all four tiers of the core plan, they provide full coverage for numerous in-patient benefits. Such in-patient benefits include hospital accommodation, Intensive care, Prescription drugs and materials, Surgical fees, Surgical appliances and materials, and Day-care treatment.

While it does cost more to purchase the out-patient, dental, repatriation, and maternity plans, those who do not require such coverage can save on these aspects as the core plan provides sufficient coverage for an average individual. Furthermore, for those who are on a tighter budget, you can opt for Singapore Essential Individual plan that excludes HIV or AIDS coverage.

In addition to the core plan coverages offered, Allianz also provides Expat Assistance Programme, Travel Security Services, MyHealth Digital Services as well as Olive - Allianz Care’s Health & Wellness support program.

The Expat Assistance Programme offers access to a range of 24/7 multilingual support services such as Confidential professional counseling and legal and financial support services. The Travel Security Services offers 24/7 access to personal security information and advice for all your travel safety queries such as the emergency Security Assistance Hotline.

To simplify processes for you, Allianz uses MyHealth Digital Services to give you easy and convenient access to your policy documents, health services, payment details. The above plans are included in all four tiers of the core plan.

Allianz Core Plans

Allianz’s most basic plan already provides relatively comprehensive coverage. As such, we wouldn't recommend this plan for consumers seeking budget plans.

Allianz International Health Core Plans
Singapore Premier IndividualSingapore Club IndividualSingapore Classic IndividualSingapore Essential Individual
Type of RoomPrivatePrivatePrivateSemi-Private
In-patient/DaycareYesYesYesYes
Medical EvacuationYes (Max 7 days)Yes (Max 7 days)Yes (Max 7 days)Yes (Max 7 days)
OncologyYesYesYesYes
Maximum plan benefitS$4,000,000S$2,650,000S$2,000,000S$880,000
Rehabilitation treatmentS$7,800S$5,300S$4,400S$3,510

Allianz Optional Benefit Plans

Allianz offers four optional add-on plans - Out-patient, Maternity, Dental, and Repatriation Maternity - that can only be purchased together with selected tiers of the core plan.

Allianz International Health Optional Benefit Plans
Singapore Premier IndividualSingapore Club IndividualSingapore Classic IndividualSingapore Essential Individual
Out-patient PlansYesYesYesYes
Maternity PlansSingapore Premier MaternitySingapore Club Maternity--
(Out-patient Plan must be selected in conjunction with a Maternity Plan)
Dental PlansDental Plan 1 + Gold Individual Out-patient PlanDental Plan 2Dental Plan 2Dental Plan 2
Dental Plan 2Dental Plan 3Dental Plan 3Dental Plan 3
Dental Plan 3
Repatriation PlanYesYesYesYes

Couples and families are eligible for the Maternity Plans which can only be purchased together with an Out-patient Plan. Furthermore, the Singapore Premier Maternity Plan can only be purchased with the Singapore Premier Individual Core Plan whereas the Singapore Club Maternity Plan can only be purchased with the Singapore Club Individual Core Plan.

On the other hand, those under the Singapore Premier Individual Core plan and have purchased the Gold Individual Out-patient Plan will be eligible for Dental Plan 1.

Out-patient Plans Benefits

Out-patient Plans Benefits
Singapore Gold IndividualSingapore Silver IndividualSingapore Bronze IndividualSingapore Crystal Individual
Maximum plan benefitNo limitNo limitS$15,000S$8,450
Medical practitioner fees and prescription drugsNo limitNo limitS$1,800S$1,800
VaccinationsS$1,300S$650S$520-

Purchasing an add-on benefit can put a strain on your wallet. As such, to reduce your Out-patient premium, Allianz gives buyers an option for co-payment. A co-payment scheme is one where the buyer pays a percentage of the medical costs.

Optional Out-patient Plan Co-paymentsDiscount
No co-payment0% premium discount
10% co-payment12% premium discount
20% co-payment24% premium discount

Maternity Plans Benefits

Allianz International Health Maternity Plans Benefits
Singapore Premier MaternitySingapore Club Maternity
Routine maternityS$13,200/pregnancyS$8,800/pregnancy
(in-patient and out-patient treatment)
(10 month waiting period applies)
Complications of childbirth (in-patient treatment)S$26,350/pregnancyS$17,550/pregnancy
(10 month waiting period applies)

Dental Plans Benefits

Dental Plans Benefits
Singapore Dental 1Singapore Dental 2Singapore Dental 3
Maximum plan benefitNo limitS$3,600S$1,300
Dental treatment100% refund80% refund80% refund
Dental surgery100% refund80% refund80% refund
Periodontics80% refund80% refund80% refund
Orthodontic treatment and dental prostheses65% refund, up to S$8,80050% refund50% refund
(10 month waiting period applies)

Repatriation Plan Benefits

Repatriation Plan Benefits
Medical repatriationYes
Expenses for one person accompanying a repatriated personS$5,300
Travel costs of insured family members in the event of a repatriationS$3,510/event
Travel costs of insured members to be with a family member who is at peril of death or who has diedS$2,600/lifetime

With the additional benefits provided by the various add-on plans, it offers buyers flexibility in choosing on the plans that they need, thereby saving money.

Policy Exclusions

While Allianz’s plans cover the majority of medically necessary treatment, the following treatments, medical conditions, procedures, behaviours or accidents are not covered under the policy unless stated otherwise in the Table of Benefits or in any written policy endorsement. Allianz International Health has a relatively extensive list of policy exclusions. Thus, do read through the policy exclusions on their website before purchasing any insurance plan. Below shows a number of their exclusions.

Exclusions
Acquisition of an organDrug addiction or alcoholismInjuries caused by professional sportsPre-existing conditionsGenetic testing
Behavioural and personality disordersExperimental or unproven treatment or drug therapyIntentionally caused diseases or self-inflicted injuriesPre- and post-natalObesity treatment
Chemical contamination and radioactivityInfertility treatmentDental veneersProducts sold without prescriptionsDevelopmental delay
Complementary treatmentOrthomolecular treatmentMedical errorPlastic surgeryComplications caused by conditions not covered under your plan

Claims & Contact Information

All claims should be submitted via Allianz’s MyHealth app or Claim Form no later than six months after the end of the Insurance Year. For certain coverages, Allianz requires a pre-approval through submission of a Treatment Guarantee Form. You may get the form either online or by contacting Allianz.

Contact Information
Sales team+65 6297 2529
Customer email[email protected]
ApplicationApplication form or click on the Get a Quote button to apply directly from ValueChampion's website

Allianz International Health Insurance Cost and Features

PROMO: Enjoy 10% off selected plans for life!
Consider this if you want a highly customisable international health insurance plan
  • Optional Deductible
    • S$0-S$17,550
    • Hospitalisation Accommodation
      • Private room

      With the COVID-19 pandemic, it has emphasised the importance of purchasing International health insurance to provide the necessary coverage for foreigners stationed in Singapore or travellers around the globe.

      Yet, as international health insurance can be costly, consumers should do the necessary research and compare the policies before deciding on a plan. To simplify this step, we summarised Allianz International Health Insurance benefits below.

      Allianz International Health Insurance benefits
      Singapore Premier IndividualSingapore Club IndividualSingapore Classic IndividualSingapore Essential Individual
      Annual LimitS$4,000,000S$2,650,000S$2,000,000S$880,000
      Advanced Medical ImagingYesYesYesYes
      Psychiatry and PsychotherapyYesS$10,550S$8,800S$8,800
      Palliative CareYesYesYesYes
      Home NursingS$7,500S$5,000S$4,400S$4,400
      Hospital ChargesYesYesYesYes
      ICUYesYesYesYes
      Surgeon FeesYesYesYesYes
      OncologyYesYesYesYes
      Organ TransplantYesYesYesS$17,550
      Kidney DialysisYesYesYesYes
      Local AmbulanceYesYesYesS$880
      Emergency Inpatient DentalYesYesYesYes
      DeductibleS$0 - S$17,550

      If you would like to compare Allianz International Health Insurance plans with other plans in the market, check out our guide to find the best international health insurance for you!