Allianz Expat Protect Health Insurance

You can choose between levels of coverage: Confort and Premium. Your insurance always includes the Core Plan with Inpatient benefits. 

Expat Protect Confort 

• Maximum annual covered amount: €1,500,000
• Hospital room: Semi-private room
• Prescribed medication: Covered (inpatient treatment only)
• Home nursing care or convalescent care: Covered up to €4,250
• Rehabilitation treatment: Covered up to €4,250
• Maternity coverage: Included
• Repatriation in the event of death: Included 

Expat Protect Premium 

• Maximum annual covered amount: €3,000,000
• Hospital room: Private room
• Prescribed medication: Covered (inpatient treatment only)
• Home nursing care or convalescent care: Fully covered
• Rehabilitation treatment: Fully covered
• Maternity coverage: Included

Core Benefits

• Inpatient and Day-care Treatment: Coverage for hospital stays, surgeries, and related treatments.
• Doctor Visits: Consultations with general practitioners and specialists.
• Diagnostic Tests: Laboratory tests, imaging, and other diagnostics.
• Cancer Treatment: Comprehensive oncology care.
• Medical evacuation to the nearest care provider

Optional Benefits 

Enhance your coverage with the following optional plans:

• Out-patient Plan: Covers day-to-day medical expenses such as GP visits, specialist fees, diagnostic tests, vaccinations, and health checks.
• Dental Plan: Coverage for dental treatments, surgeries, orthodontics, and more.
• Repatriation Plan: If the required treatment isn't available locally, this plan covers repatriation to your home country for treatment.

Both Confort and Premium offer benefits for Maternity after a waiting period of 10 months. Allianz Expat Protect does not offer the best benefits for Pregnancy and Childbirh available at JoHo Insurances. If cover for Maternity is important to you, please contact us for advice.  

Region

Depending on where you will be living, the following coverage areas are available:

• Worldwide
• Worldwide excluding the USA (for residents of China, Hong Kong, Israel, Singapore, and the UK)
• Worldwide excluding the USA (for residents of all other countries)

• These insurance policies are easy to maintain after returning to your country of origin, especially in the Netherlands and Belgium, and other countries upon request. They do not exempt you from any local insurance requirements in the Netherlands and Belgium. The advantage of maintaining international coverage with Allianz:
  1. No need for new medical acceptance if you plan to emigrate later.
  2. Free choice of healthcare provider, including for planned care outside your country of residence.
• The Regions of cover are extensive, making this insurance particularly suitable for people who travel frequently and live internationally, as they are unlikely to encounter geographical restrictions. Within the insured region, you are free to choose where you receive medical treatment and are not limited to healthcare providers in your country of residence.
• You may also plan and undergo treatment in another country within the selected coverage region. However, travel and accommodation expenses are at your own expense. An exception applies to the United States, where treatment must be obtained through a contracted healthcare provider.
• Individuals who hold the nationality of their country of residence (local nationals) can also be insured. This means it is possible to include a foreign partner under the same policy.
• You also benefit from the worldwide network of an experienced and well-established insurer.

Health Services Included:

• Telehealth Services: Access to medical consultations via phone or video.
• Expat Assistance Programme: Support services including counseling and legal advice.
• Mind Coaching App: Tools to support mental well-being.
• Fitness Coaching App: Personalized fitness plans and tracking.
• Nutrition Hub: Dietary advice and meal planning.
• Travel Security Services: Information and assistance for safe travel.

• The insurance can be applied for by adults up to the age of 76.
• The policy is automatically renewed each year and can only be amended or cancelled on the renewal date.
• Maternity and childbirth benefits are included in the Core Plan and the Outpatient Plan. In addition to coverage for medical expenses, it is important to ensure that a newborn baby can be added to the policy with guaranteed acceptance. In this regard, Allianz does not offer the most favorable conditions. Please seek advice if you would like to learn more about health insurance options that provide comprehensive coverage for pregnancy and childbirth.
• At present, Allianz Expat Protect cannot be taken out if you are resident in Brazil, Dubai (UAE), Germany, Iran, Ireland, North Korea, Russia or any country subject to sanctions.
• Please note that local health insurance may be legally required in some countries. An international private health insurance policy may not meet these requirements.

1. Your Quote is calculated based on factors such as your age, the specific plan you select, any optional add-ons, and your chosen deductible.
2. As a JoHo Insurances client, you benefit from a standard 10% discount on the premiums shown.
3. Promotion: Additional 10% Discount Periods* in 2026.

Allianz Expat Protect Quote Request

* Additional Discount Periods in 2026

You will receive an additional 10% discount on your insurance premium if your policy takes effect during one of the following periods:

• 15 September - 14 October 2026
• 23 November - 27 November 2026 

You can apply for Allianz Expat Protect in two ways:

1. Medical underwriting
Allianz assesses your application based on a medical questionnaire. Complete and sign the application form & medical questionnaire (pdf) and return them to us.

• All persons aged 18 and over must sign the application form.
• A copy of the passport of every person to be insured, including children, must be provided.
• If you are over 70 when applying, you must also provide a medical examination report (pdf) completed by a doctor. The costs of the examination are at your own expense.
• You can submit an application subject to medical underwriting one month before the desired start date.

2. Applying with a moratorium (up to age 65)
You can also apply on a moratorium basis. In this case, you do not need to complete a medical questionnaire. However, existing or pre-existing medical conditions are initially excluded from cover. Complete the moratorium application form (pdf) and return it to us.

• All persons aged 18 and over must sign the application form.
• A copy of the passport of every person to be insured, including children, must be provided.
• Before choosing this option, we recommend reading how moratorium cover works and when pre-existing conditions may become eligible for cover in the Allianz Expat Protect benefit guide (pdf).
• You can apply for moratorium cover two months before the desired start date.

For certain types of treatment, you must obtain prior authorization from the insurer before receiving treatment. If you undergo treatment without obtaining the required approval in advance, Allianz reserves the right to refuse reimbursement or only reimburse part of the costs.

This requirement does not apply to emergency or urgent medical situations. However, in such cases, the insurer must be contacted as soon as reasonably possible. Further information about the Treatment Guarantee process can be found in the Benefit Guide.

Submitting Claims

• Claims can be submitted to Allianz through the MyHealth app or via the online member portal.
• Claims can also be submitted easily using the Claim Form.
• For most inpatient treatments, Allianz offers direct settlement arrangements with healthcare providers, meaning that the insurer pays the medical provider directly, reducing the need for the insured person to pay the costs upfront.

We are happy to answer your questions. Fill out the contact form here.