Allianz Private Krankenversicherung

Overview

Allianz is one of the world's largest financial services companies and a household name in Germany. Its private health insurance arm (Allianz Private Krankenversicherung, or APKV) benefits from the group's enormous financial reserves and global infrastructure. For expats, Allianz stands out due to its willingness to provide English-language support, international claims handling, and brand recognition that eases communication with employers and authorities.

Pros & Cons

Coverage Highlights

• Premium tariffs cover single-room hospital stays and chief physician treatment
• Dental coverage up to 90-100% including implants and orthodontics
• Full outpatient coverage with no referral requirements
• Comprehensive vision coverage including laser surgery in top tariffs
• Worldwide coverage without time limits in premium plans
• Mental health and psychotherapy coverage included

Tariffs & Pricing

Allianz offers tariffs across multiple tiers. The top-end 'AktiMed' lines provide comprehensive coverage comparable to the best in the market. Mid-range options balance coverage and cost. Entry-level tariffs exist but are more limited. Premium tariffs are among the more expensive in the market, but the coverage depth and financial stability justify the cost for many high-earning professionals.

Claims Process

Claims can be submitted digitally through the Allianz Gesundheits-App or by email. Standard outpatient reimbursements take 7-14 business days. Hospital direct billing is available with many German clinics. The app supports English and provides status tracking for submitted claims.

For Expats