Allianz Care (the international health division of Allianz Partners) provides modular international health insurance plans widely used by expatriates in China. The modular approach allows policyholders to select and deselect specific benefit modules — outpatient, dental, optical, maternity, mental health — to construct a policy that matches both needs and budget.
Allianz Care has a substantial direct-billing hospital network in China, concentrated in the international-wing hospitals and private expat clinics in major cities. In cities with less established international healthcare infrastructure, Allianz's medical evacuation benefit — which covers medically necessary transfer to the nearest appropriate facility, including to Hong Kong or Singapore — becomes particularly important.
Allianz Care policies are underwritten by Allianz entities outside China and are technically offshore international health insurance plans. This has implications for how premiums are paid (typically in currency outside China and subject to foreign exchange regulations) and for VAT treatment in some corporate billing situations.
A notable feature of Allianz Care's China offerings is the 24-hour medical assistance line with Mandarin-speaking support staff, which assists policyholders in navigating hospital registration, translator availability, and direct-billing authorisation at unfamiliar facilities.
Allianz also administers group health insurance for numerous multinational companies operating in China. Employees covered under employer group policies benefit from typically lower premiums and streamlined underwriting compared to individual policies. Allianz Care's corporate underwriting team has significant experience with China-based large-group schemes.