Allianz Private Krankenversicherung
Premiums from
EUR 390/mo
Overview
Allianz is Germany's largest and most internationally recognized private health insurer. With over 130 years of experience, they offer a wide range of tariffs from basic to premium coverage. Their international presence makes them a natural choice for expats who may relocate again in the future.
Key Facts
Founded
1890
Headquarters
Munich
Customers
3.5 million+
Type
Full comprehensive PKV
Pros & Cons
Pros
- Largest private insurer in Germany with exceptional financial stability
- Extensive global network of partner hospitals and clinics
- Highly flexible tariff structures with modular add-ons
- Excellent digital services including app-based claims submission
- Strong employer-recognized brand for expat relocations
Cons
- Higher premiums compared to smaller competitors
- Complex tariff structures can be overwhelming for newcomers
- Customer service wait times can be longer during peak periods
Coverage Highlights
100% outpatient treatment including specialist visits without referral
Private or semi-private hospital room with chief physician treatment
Comprehensive dental coverage up to 100% including implants
Worldwide emergency coverage for up to 6 months
Full mental health coverage including psychotherapy
Vision care with generous allowances for glasses and contacts
Tariff Information
Allianz offers three main tariff lines: AktiMed (value), BestMed (mid-range), and AktiMed Plus (premium). Each can be customized with deductibles from 0 to 1,200 EUR per year. Higher deductibles significantly reduce monthly premiums.
Note for Expats
Allianz is particularly well-suited for expats due to their multilingual customer service (English, German, French, Spanish) and experience handling international relocations. They offer seamless transitions for expats moving to or from Germany.
Claims Process
Claims can be submitted via the Allianz Gesundheits-App, email, or post. Most outpatient claims are processed within 5-7 business days. Direct billing is available at many partner hospitals. The app includes a receipt scanner for quick submissions.
Best For
Expats seeking a globally recognized insurer with comprehensive coverage and long-term stability
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