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Together with Allianz Jingdong General Insurance Company Ltd., Allianz offers international expat insurance to foreigners living in China. These international health insurance plans were designed to offer flexible and affordable coverage for expat individuals and families.
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Are you an expat looking for international health insurance coverage during your time in China? Would you like to know more about the benefits Allianz offers its members? This article from Pacific Prime will help you understand what Allianz can offer during your global adventure.
We will discuss the different plans that Allianz provides, their coverage details, and more. We will also explain the exclusions for these international health insurance plans in China. Keep reading to learn more!
Allianz Expat Health Insurance Plans for Expats in China
Allianz works with Allianz Jingdong General Insurance Company Ltd., in China to provide expats and foreigners with three core comprehensive health insurance plans. The three plans available are Diamond Plus, Diamond Prime, and Diamond Care.
These three plans offer different levels of annual coverage limits and benefits and grant expats in China financial support for medical care. Allianz policyholders can use their plans to help pay for care at China’s private healthcare facilities, which rate highly for quality care.
While China offers free public healthcare insurance to its citizens and some eligible expats, the system can be overburdened. Private healthcare facilities offer an excellent option for those looking for shorter waiting times and multilingual staff.
Why Expats in China Choose Allianz Health Insurance
Expats in China choose Allianz international health insurance plans because of their customer support and concierge services, vast global network, and coverage for chronic conditions. These important services and features help members get the most out of their insurance plans.
- Customer Support and Concierge Services: Allianz offers 24/7 access to customer support that can help you with various services, such as finding a medical clinic nearby in your network. Their concierge services offer direct assistance by booking appointments for you and offering case management.
- Vast Global Network: Allianz connects its members to a global network of 1.9 million healthcare providers available through different hospitals and clinics. With an Allianz policy, you can be sure that you will find quality coverage everywhere you go.
- Coverage for Chronic Conditions: Allianz covers most chronic health conditions. This coverage will be dependent on the plan you choose.
Allianz International Health Insurance Plans in China
Allianz has three core international health insurance plans: Diamond Plus, Diamond Prime, and Diamond Care. Expats can add optional plans to these three core plans to further extend their coverage for services like dental and maternity.
After choosing your core plan and optional coverage, you will be prompted to select your preferred geographical area of cover. You can choose worldwide, worldwide excluding USA, and Greater China coverage.
Greater China coverage includes Mainland China, Hong Kong, Macau and Taiwan
This is how the process works:
- Step 1: Choose your core plan of Diamond Plus, Diamond Prime, or Diamond Care
- Step 2: Add any optional plans to your core plan
- Step 3: Choose your geographical area of cover
Allianz International Health Insurance Core Plans
Diamond Plus, Diamond Prime, and Diamond Care are the three core plans offered to expats in China by Allianz. These three plans have different levels of annual limits and benefits offered. We will explain these plans in detail below.
Diamond Care by Allianz
The Diamond Care plan is the most basic of the three core plans, with an annual limit of ¥4,200,000. Diamond Care offers fully covered cancer care and inpatient treatment benefits, with coverage for a semi-private room during a hospital stay.
The benefits included with a Diamond Care plan are listed below:
- In-patient / Day-care
- Oncology
- Organ transplant
- Rehabilitation treatment
- Medical evacuation
- Medical repatriation
Diamond Care is the only core Allianz plan that does not offer psychiatry and psychotherapy benefits or coverage for nursing at home or in a convalescent home. It also does not allow the addition of an optional maternity plan, or emergency treatment outside the area of cover.
Diamond Prime by Allianz
The Diamond Prime plan offers a more comprehensive coverage choice than Diamond Care with an annual limit of ¥9,450,000. Diamond Prime offers fully covered cancer care and inpatient treatment benefits, with coverage for a private room during a hospital stay.
The benefits included with a Diamond Prime plan are listed below:
- In-patient / Day-care
- Oncology
- Organ transplant
- Psychiatry and psychotherapy
- Nursing at home or in a convalescent home
- Rehabilitation treatment
- Medical evacuation
- Medical repatriation
- Emergency treatment outside the area of cover (for trips of a maximum period of six weeks)
The Diamond Prime plan can have any optional plan added to it except the Maternity plan, which is only available for Diamond Plus plans.
Diamond Plus by Allianz
The Diamond Plus is the most comprehensive plan that Allianz offers, with an annual limit of ¥18,900,000. Diamond Plus offers the same benefits as the prior two plans: coverage for a private hospital room and the option of additional maternity benefits.
The benefits included with a Diamond Plus plan are listed below:
- In-patient / Day-care
- Oncology
- Organ transplant
- Psychiatry and psychotherapy
- Nursing at home or in a convalescent home
- Rehabilitation treatment
- Medical evacuation
- Medical repatriation
- Emergency treatment outside the area of cover (for trips of a maximum period of six weeks)
Allianz International Health Insurance Optional Plans
The optional plans that can be added to the Diamond core plans come in four categories: Outpatient, Dental, Maternity, and Health and Wellbeing. The Maternity plan can only be added to the Diamond Plus plan and is not available for Diamond Prime or Diamond Care.
Allianz Outpatient Plan
The optional Outpatient plan offers coverage for various outpatient services, such as diagnostic tests, physiotherapy, and more. It is available in three coverage tiers: Diamond Plus, Diamond Prime, and Diamond Care.
The coverage limits for the Outpatient Plans are:
- Diamond Plus: Unlimited
- Diamond Prime: ¥75,000
- Diamond Care: ¥45,000
If you have a Diamond Prime or Diamond Care core plan, you can choose between either the Diamond Prime or Diamond Care Outpatient Plan. However, only members with the Diamond Plus core plan can purchase a Diamond Plus Outpatient Plan.
We will compare some benefits included in the Outpatient plan in the table below.
| Diamond Care | Diamond Prime | Diamond Plus | |
| Prescription Drugs | Covered | Covered | Covered |
| Diagnostic Tests | Covered up to ¥10,000 | Covered | Covered |
| Vaccinations | Covered up to ¥1,000 | Covered up to ¥4,000 | Covered up to ¥10,000 |
| Physiotherapy | Covered for 5 visits | Covered up to ¥11,000 for 5 visits | Covered up to ¥8,000
For 5 visits |
| Specialist Fees | Covered up to ¥10,000 | Covered | Covered |
| Eye Exams & Prescribed Glasses & Contact Lenses | Not Covered | Covered up to ¥1,500 | Covered up to ¥2,000 |
Allianz Dental Plan
Allianz Dental plans are available in two coverage tiers: Diamond Plus Dental and Diamond Prime Dental. The Diamond Plus Dental plan can only be purchased if a member has selected a Diamond Plus Core Plan and Diamond Plus Outpatient Plan.
The annual limits for each Dental plan are listed below:
- Diamond Plus Dental: No coverage limit
- Diamond Prime Dental: ¥15,000
We will compare the Dental plan benefits in the table below.
| Diamond Plus | Diamond Prime | |
| Dental Treatment | Treatment Cost 100% Refundable | Treatment Cost 80% Refundable |
| Dental Surgery | Treatment Cost 100% Refundable | Treatment Cost 80% Refundable |
| Periodontics | Treatment Cost 80% Refundable | Treatment Cost 80% Refundable |
Allianz Health and Wellbeing Plan
This optional plan offers screenings for early detection of illness or disease, health and wellbeing checks, tests, and examinations that are performed at appropriate age intervals. This optional plan does not cover vaccinations or genetic testing.
The optional Health and Wellbeing Plan can be added to any of the three core plans and only comes in the coverage option Diamond. The Diamond Health and Wellbeing Plan has a coverage limit of ¥6,000.
Allianz Maternity Plan
The Maternity plan offers coverage for routine maternity services such as prenatal care and childbirth up to ¥63,000 per pregnancy. It also offers coverage for any childbirth complications up to ¥126,000 per pregnancy.
The optional Maternity Plan can only be added to the core Diamond Plus Plan. Additionally, the Maternity plan can only be added to the Diamond Plus Plan after the member has selected the Outpatient Plan as well.
Allianz International Health Insurance Exclusions in China
Treatments and other services that are excluded from Allianz coverage are listed below:
- Acquisition of an organ
- Complications of a condition not covered by your plan
- Cosmetic treatment
- Dental veneers
- Drug addiction or alcoholism
- Experimental therapy
- Family therapy and counseling
- Genetic testing
- Home visits
- Infertility treatments
- Injuries caused by professional sports
- Loss of hair
- Obesity treatment
- Sex change operations
- Sleep therapy
- And more
For a full list of exclusions, visit Allianz’s website to learn more.
Understanding Allianz Copayments and Deductibles
A co-payment is a percentage the policyholder will pay for medical treatment, and a deductible is a fixed amount a policyholder will pay towards their medical bills per period of cover before the insurance company begins to contribute.
If you have a copayment with your Allianz plan, this means you be paying a small percentage of your medical bill. For example, if you have a 20% copayment fee, you will be paying 20% of your medical bill and the insurance company will handle the remaining 80%.
Choosing a plan with a lower deductible can raise your premiums, whereas choosing a plan with a higher deductible can lower your premiums. When choosing a deductible, it can be helpful to consider how much medical care you will need over the year.
Frequently Asked Questions:
Does Allianz cover pre-existing conditions?
Allianz may cover your pre-existing condition, depending on the underwriting terms of your policy. There may be a 24-month waiting period before claims for any pre-existing conditions can become eligible.
How can foreigners access healthcare services in China?
Foreigners can access healthcare services in China through public or private hospitals and clinics with their health insurance policies. If you have a private health insurance policy, you can access private hospitals at a much lower rate than otherwise.
Conclusion
Expats in China can find comprehensive health insurance coverage through Allianz Jingdong General Insurance Company Ltd in China. With three different core plans to choose from with a variety of optional plans, expats can find the right plan for their needs.
Ready to find your international health insurance plan today? Reach out to an insurance expert from Pacific Prime! We can help you compare quotes from a wide variety of insurance providers to make sure you find the best fit for you. We can also answer any insurance questions you may have.
We are an insurance broker, which means we offer free and unbiased advice about insurance plans. While insurance agents have provider loyalty, we are not tied to one specific provider. This means we can help you shop around for the best fit for you among different providers.
If you’d like to see free quotes from Allianz health insurance plans in China on your own, use our free quote tool on our website!
If you enjoyed this article, check out our other blogs on other insurance providers in China like AXA Expat Health Insurance and April International Expat Health Insurance!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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