This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Allianz Care
This is Allianz Care's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Allianz Care — Care Table of Benefits, valid from 1 November 2025 — showing every published column.
From the insurer's published documents
| Core Plans | |||
|---|---|---|---|
| Maximum plan limit | |||
| All limits are per member, per Insurance Year, unless otherwise stated. | |||
| Key to Table of Benefits: √ Covered in full, up to the maximum plan limit; X Not available | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Maximum plan limit | £ 830,000 / € 1,000,000 / US$ 1,350,000 / CHF 1,300,000 | £ 1,660,000 / € 2,000,000 / US$ 2,700,000 / CHF 2,600,000 | £ 3,100,000 / € 3,703,705 / US$ 5,000,000 / CHF 4,814,815 |
| In-patient benefits | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Hospital accommodationPre-authorisation required | Private room | Private room | Private room |
| Intensive carePre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Prescription drugs and materialsIn-patient and day-care treatment onlyPrescription drugs are those which legally can only be purchased when you have a doctor’s prescriptionPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Surgical fees, including anaesthesia and theatre chargesPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Physician and therapist feesIn-patient and day-care treatment onlyPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Surgical appliances and materialsPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Diagnostic testsIn-patient and day-care treatment onlyPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Organ transplantIn-patient treatment onlyPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Bariatric surgeryIn-patient and out-patient treatment24-month waiting period appliesPre-authorisation required | Not available | 70%, up to £ 12,450 / € 15,000 / US$ 20,250 / CHF 19,500 | 80% up to £ 16,600 / € 20,000 / US$ 27,000 / CHF 26,000 |
| Psychiatry and psychotherapyIn-patient and day-care treatment onlyPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Accommodation costs for one parent staying in hospital with an insured child under 18Pre-authorisation required | Not available | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Emergency in-patient dental treatment | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Other benefits | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Day-care treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Kidney dialysisIn-patient, day-care and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| HIV/AIDS treatmentIn-patient, day-care and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Out-patient surgeryPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Nursing at home or in a convalescent homeImmediately after or instead of hospitalisationPre-authorisation required | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,950 max. 30 days | £ 2,075 / € 2,500 / US$ 3,375 / CHF 3,250 max. 60 days | Covered in full, up to the maximum plan limitmax. 90 days |
| Rehabilitation treatmentIn-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases | £ 2,490 / € 3,000 / US$ 4,050 / CHF 3,900, max. 30 days | £ 6,225 / € 7,500 / US$ 10,125 / CHF 9,750, max. 60 days | Covered in full, up to the maximum plan limitmax. 90 days |
| Pre-hospitalisation testsCovered when they are needed in the 72 hours before in-patient or day-care treatment | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Post-hospitalisation treatmentCovered when it is needed in the 90 days following discharge from in-patient or day-care treatment for the same acute medical condition | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Local ambulance | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Emergency treatment outside area of coverFor trips of a maximum period of six weeks | £ 83,000 / € 100,000 / US$ 135,000 / CHF 130,000, max. 42 days | £ 210,000/ € 250,000 / US$ 337,500 / CHF 325,000, max. 42 days | Covered in full, up to the maximum plan limitmax. 42 days |
| Medical evacuation and repatriation | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre (or if the insured person’s home country is within their area of cover, they can choose to be medically repatriated to their home country).Pre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Where ongoing treatment is required, we will cover hotel accommodation costs.Pre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Evacuation in the event of unavailability of adequately screened blood.Pre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs.Pre-authorisation required | Max. 7 days | Max. 7 days | Max. 7 days |
| Travel costs for one person accompanying an evacuated/repatriated personPre-authorisation required | £ 1,660 / € 2,000 / US$ 2,700 / CHF 2,600 | £ 2,490 / € 3,000 / US$ 4,050 / CHF 3,900 | £ 2,490 / € 3,000 / US$ 4,050 / CHF 3,900 |
| Travel costs of insured family members in the event of an evacuation/repatriationPre-authorisation required | Not available | £ 1,660 / € 2,000 / US$ 2,700 / CHF 2,600 per event | £ 1,660 / € 2,000 / US$ 2,700 / CHF 2,600 per event |
| Travel costs of insured members to be with a close relative who is at peril of death or who has died | Not available | £ 625 / € 750 / US$ 1,015 / CHF 975 | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,950 |
| Repatriation of mortal remains or burial expensesPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Travel costs of insured family members in the event of the repatriation of mortal remainsPre-authorisation required | Not available | £ 1,660 / € 2,000 / US$ 2,700 / CHF 2,600 per event | £ 1,660 / € 2,000 / US$ 2,700 / CHF 2,600 per event |
| CT and MRI scansIn-patient and out-patient treatment | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| PET and CT-PET scansIn-patient and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| OncologyIn-patient, day-care and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Purchase of a wig, prosthetic bra or other external prosthetic device for cosmetic purposes | £ 165 / € 200 / US$ 270 / CHF 260 | £ 165 / € 200 / US$ 270 / CHF 260 | £ 415 / € 500 / US$ 675 / CHF 650 |
| Congenital conditionsWhen diagnosed after your policy’s start datePre-authorisation required | £ 12,450 / € 15,000 / US$ 20,250 / CHF 19,500 | £ 20,750/ € 25,000 / US$ 33,750 / CHF 32,500 | £ 33,200 / € 40,000 / US$ 54,000 / CHF 52,000 |
| Preventive surgeryIn-patient and out-patient treatmentPre-authorisation required | Not available | £ 12,450 / € 15,000 / US$ 20,250 / CHF 19,500 | £ 24,900 / € 30,000 / US$ 40,500 / CHF 39,000 |
| Routine maternityIn-patient and out-patient treatment12-month waiting period appliesPre-authorisation required | Not available | £ 4,150 / € 5,000 / US$ 6,750 / CHF 6,500 per pregnancy | £ 8,300 / € 10,000 / US$ 13,500 / CHF 13,000 per pregnancy |
| Complications of childbirthIn-patient treatment12-month waiting period appliesPre-authorisation required | Not available | £ 8,300 / € 10,000 / US$ 13,500 / CHF 13,000 per pregnancy | £ 12,450 / € 15,000 / US$ 20,250 / CHF 19,500 per pregnancy |
| Complications of pregnancyIn-patient and out-patient treatment12-month waiting period appliesPre-authorisation required | Not available | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Laser eye treatment | Not available | Not available | £ 830 / € 1,000 / US$ 1,350 / CHF 1,300 |
| In-patient cash benefit (per night)Where treatment has been received free of charge | £ 125 / € 150 / US$ 205 / CHF 195 | £ 125 / € 150 / US$ 205 / CHF 195 | £ 125 / € 150 / US$ 205 / CHF 195 |
| Emergency out-patient treatmentWhere these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan | £ 208 / € 250 / US$ 338 / CHF 325 | £ 625 / € 750 / US$ 1,015 / CHF 975 | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,950 |
| Emergency out-patient dental treatmentCan also be reimbursed within the terms of any separate Dental Plan | £ 498 /€ 600 / US$ 810 / CHF 780 | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Palliative careIn-patient, day-care and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Long term careIn-patient, day-care and out-patient treatmentPre-authorisation required | Covered in full, up to the maximum plan limitMax. 90 days per lifetime | Covered in full, up to the maximum plan limitMax. 90 days per lifetime | Covered in full, up to the maximum plan limitMax. 90 days per lifetime |
| Drug and alcohol addiction treatmentFor dependent children10-month waiting period applies | Not available | £ 830 / € 1,000 / US$ 1,350 / CHF 1,300 | £ 830 / € 1,000 / US$ 1,350 / CHF 1,300 |
| Additional Core Plan services | |||
| ** Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, fitness app, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The fitness app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The fitness app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AP Solutions GmbH are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services. | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Expat Assistance Programme**Offers access to a range of 24/7 multilingual support services as follows:Confidential and professional counselling up to five sessions per issue, per calendar year (in-person, phone and video)Legal and financial referral servicesWellness website access | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Travel Security Services**Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:Emergency Security Assistance Hotline (not a free phone number)Country intelligence and security adviceDaily security news and travel safety alerts | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Olive**Our Health & Wellness support program includes, for example:Fitness appAccess to wellness resources | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Digital Health App**Reimbursement for one digital health app of your choice for the prevention, detection and management of a disease or condition. | Up to £ 42 / € 50 / US$ 70 / CHF 65 | Up to £ 42 / € 50 / US$ 70 / CHF 65 | Up to £ 42 / € 50 / US$ 70 / CHF 65 |
| MyHealth Digital ServicesManage your cover online with our app or portal anytime, anywhereSubmit and track progress of claimsAccess your policy documents, health services, payment details and more | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Second Medical Opinion Service**Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Out-patient Plans | |||
| Maximum plan limit | |||
| You can select an Out-patient Plan together with the corresponding Core Plan. You can’t buy it separately. | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Maximum plan limit | £ 8,300 / € 10,000 / US$ 13,500 / CHF 13,000 | £ 20,750 / € 25,000 / US$ 33,750 / CHF 32,500 | No limit |
| Out-patient Plan benefits | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Video consultation services**Accessed via our TeleHealth Hub | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Medical practitioner fees | Covered in full, up to the maximum plan limitup to 15 visits | Covered in full, up to the maximum plan limitup to 30 visits | Covered in full, up to the maximum plan limitup to 60 visits |
| Specialist fees | |||
| Chiropractic treatment, osteopathy and podiatry | |||
| Prescribed physiotherapy | |||
| Non-prescribed physiotherapy | |||
| Prescribed speech therapy and occupational therapyPre-authorisation required | |||
| Homeopathy, Chinese herbal medicine and acupuncture | 5 visits | 15 visits | 20 visits |
| Diagnostic tests | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Vaccinations | £ 125/ € 150 / US$ 205 / CHF 195 | £ 415 / € 500 / US$ 675 / CHF 650 | Covered in full, up to the maximum plan limit |
| Prescribed drugs and dressings | £ 830 / €1,000 / US$ 1,350 / CHF 1,300 | £ 2,490 / € 3,000 / US$ 4,050 / CHF 3,900 | Covered in full, up to the maximum plan limit |
| Health and wellbeing checks including screening for the early detection of illness or diseaseChecks are limited to:Physical examinationChest X-rayBlood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)Cardiovascular examination (physical examination, electrocardiogram, blood pressure)Neurological examination (physical examination)Bone densitometry (every five years for women aged 50+)Well child test (for children up to the age of six years) | £ 330 / € 400 / US$ 540 / CHF 52015 visits | £ 665 / € 800 / US$ 1,080 / CHF 1,04015 visits | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,95015 visits |
| Cancer screeningChecks are limited to:Annual gynaecological examMammogram (every two years for women aged 45+, or younger where a family history exists)Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)Annual faecal occult blood testBRCA1 and BRCA2 genetic test (where a direct family history exists) | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit | Covered in full, up to the maximum plan limit |
| Fertility treatment12-month waiting period applies | Not available | Not available | £ 5,810 / € 7,000 / US$ 9,450 / CHF 9,100 |
| Psychiatry and psychotherapyReferral from doctor required for psychotherapy | 5 visits | 15 visits | 30 visits |
| Prescribed medical aids | £ 415 / € 500 / US$ 675 / CHF 650 | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,950 | Covered in full, up to the maximum plan limit |
| Prescribed glasses and contact lenses including eye examination | £ 62 / € 75 / US$ 100 / CHF 98 | £ 125 / € 150 / US$ 205/ CHF 195 | £ 250 / € 300 / US$ 405 / CHF 390 |
| Dietician fees | Not available | 2 visits | 4 visits |
| Family supportEligible expenses include:Pregnancy yoga or pilatesBreastfeeding consultationPost-natal counsellingChild hearing examFamily expenses during childbirthChild speech and language therapy (for the treatment of dyslexia and dyspraxia)First aid course for parents who have a child insured as a dependant | Not available | £ 250 / € 300 / US$ 405 / CHF 390 | £ 374 / € 450 / US$ 610 / CHF 585 |
| Hormone replacement therapy | £ 330 / € 400 / US$ 540 / CHF 520 | £ 625 / € 750 / US$ 1,015 / CHF 975 | £ 1,000 / € 1,200 / US$ 1,620 / CHF 1,560 |
| Sleep apnoea | Not available | £ 665 / € 800 / US$ 1,080 / CHF 1,040 | £ 1,245 / € 1,500 / US$ 2,025 / CHF 1,950 |
| Dental Plans | |||
| Maximum plan limit | |||
| You can select a Dental Plan together with the corresponding Core Plan. You can’t buy it separately. | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Maximum plan limit | £ 995 / € 1,110 / US$ 1,500 / CHF 1,445 | £ 1,543 / € 1,852 / US$ 2,500 / CHF 2,407 | No limit |
| Dental Plan benefits | |||
| Benefit | Care Base | Care Enhanced | Care Signature |
| Dental treatment | 80% refund | 80% refund | Covered in full, up to the maximum plan limit |
| Dental surgery | 80% refund | 80% refund | Covered in full, up to the maximum plan limit |
| Periodontics | 80% refund | 80% refund | Covered in full, up to the maximum plan limit |
| Orthodontic treatmentPlease contact us and submit the details we will require before starting treatment, so we can verify if you are covered.10-month waiting period applies | Not available | 50% refund | 65% refund, up to £ 4,150 / € 5,000 / US$ 6,750 / CHF 6,500 |
| Dental prostheses10-month waiting period applies | |||