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Allianz is an international health insurance provider that offers comprehensive individual and family medical insurance plans in Hong Kong. Allianz designed their international Care plans specifically for those looking for flexible and inclusive healthcare coverage overseas.
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Do you or your family live in Hong Kong and need a health insurance plan? Maybe you’re unsure where to start in your health insurance shopping journey. This article from Pacific Prime will help you understand one of the most popular insurance companies on the market today, Allianz.
We will discuss the key features of an Allianz health insurance plan, the coverage and benefits included in their plans, and more. Keep reading to learn more or click here to begin comparing quotes from Allianz or other providers for free!
An Overview of Allianz Insurance in Hong Kong
Allianz is an international health insurance provider that offers comprehensive medical insurance worldwide. Their mission as a company is to keep their members well and to provide 24-hour support across numerous time zones.
Allianz has won several awards, such as those listed below:
- ITIJ Award Winner: International Travel and Health Insurer of the Year
- EFMA & Accenture Innovation in Insurance Awards Win 2022
- UK Health & Protection Award Win: Best International Group Health Insurance Provider 2023
Allianz has over 21,9000 employees and manages over 72 million cases a year. With their leading global presence, policyholders can rest assured that they can get the support they need when they need it.
Key Features of Allianz Insurance in Hong Kong
Some of the key features Allianz offers to its policyholders in Hong Kong and worldwide are a vast global network, 24/7 support, quick claims processing, and flexible coverage. These features help bring value to Allianz members and set them apart from other providers.
- Vast Global Network: Allianz offers its members a growing network of over 1.9 million medical providers worldwide, with a variety to choose from just in Hong Kong alone. Staying in network can help members settle their medical bills directly and save time.
- 24/7 Support: Allianz offers its members in Hong Kong 24/7 support through its multilingual helpline, Expat Assistance Programme, and Travel Security Services. These various support services can help you with any question day and night, on weekends, and holidays.
- Quick Claims Processing: Allianz provides fully completed medical claims processing within 48 hours to their members in Hong Kong. Claims can be submitted anytime and anywhere from the Allianz MyHealth app, making it convenient for its members.
- Flexible Coverage: Allianz gives its members a variety of plans to choose from, with the option to purchase additional coverage and tailor the plan further. Don’t worry about paying for coverage you won’t need with Allianz’s Care plans in Hong Kong.
Allianz Health Insurance Plans in Hong Kong
Allianz offers comprehensive international health insurance in Hong Kong through their Hong Kong Care, Hong Kong Care Plus, and Hong Kong Care Pro plans. These plans are considered your Core plan, and members have the option to choose an optional plan to further extend coverage.
When purchasing a plan from Allianz in Hong Kong, you will follow three steps:
- Choose your Core plan and deductible
- Add any optional plans
- Choose your geographical area of coverage
Allianz offers two different geographical areas of cover for its plans: Worldwide excluding Belarus, Cuba, Iran, North Korea, and Russia, and Worldwide excluding Belarus, Cuba, Iran, North Korea, Russia, and the USA.
The optional plans available to add to your core plan are listed below:
- Outpatient Plans (available in Active Pro, Active Plus, and Active)
- Dental Plan (available in Smile and Smile Plus)
- Repatriation Plan
- Maternity plan (available in Bloom and Bloom Plus)
Optional plans can not be purchased on their own.
Allianz Hong Kong Care
The Hong Kong Care plan offers the most basic coverage of all three Allianz Hong Kong plans. It covers inpatient and hospitalization services and medical evacuation. The Care plan has a maximum plan limit of US$ 2,500,000 (HKD 19,375,000).
Allianz Hong Kong Care Plus
The Hong Kong Care Plus plan offers the same core benefits as the Care plan but with enhanced benefits as well. Members can further customize their coverage with a maternity plan. The Care Plus plan has a maximum plan limit of US$ 4,000,000 (HKD 31,000,000).
Allianz Hong Kong Care Pro
The Hong Kong Care Pro plan is the most comprehensive of the Hong Kong plans, with extensive inpatient benefits and limits. Members can further customize their coverage with a maternity plan. The Care Pro plan has a maximum plan limit of US$5,000,000 (HKD 38,750,000).
Allianz Hong Kong Plan Benefits Comparison
While each of the Allianz Hong Kong Care plans offers valuable financial protection, they differ in key ways like benefit limits. We will compare the plans in the tables below.
Allianz Core Plan Benefits in Hong Kong |
|||
| Hong Kong Care | Hong Kong Care Plus | Hong Kong Care Pro | |
| Hospital room accommodation | Private Room | Private Room | Semi-Private Room |
| Intensive care | Covered | Covered | Covered |
| Surgical fees, including anesthesia and theatre charges | Covered | Covered | Covered |
| Day care treatment | Covered | Covered | Covered |
| HIV/AIDS treatment
(subject to 48 month waiting period) |
Covered | Covered up to US$ 10,000 (HKD 77,500) | Covered up to US$ 10,000 (HKD 77,500) |
| Outpatient surgery | Covered | Covered | Covered |
| Emergency out-patient treatment | Covered up to US$ 1,015 (HKD 7,920) | Covered up to US$ 1,015 (HKD 7,920) | Covered up to US$ 1,015 (HKD 7,920) |
| Repatriation of mortal remains | Covered up to US$ 13,500
(HKD 105,300) |
Covered up to US$ 13,500
(HKD 105,300) |
Covered up to US$ 13,500
(HKD 105,300) |
| Medical Evacuation | Covered | Covered | Covered |
| Expenses for one person accompanying an evacuated person | Covered up to US$ 4,050 (HKD 31,590) | Covered up to US$ 3,375 (HKD 26,330) | Covered up to US$ 2,700 (HKD 21,060) |
Additional benefits available through the optional plans, Outpatient, Dental, and more, also vary in benefit limits and coverage. See the table below for details on outpatient benefits through Allianz in Hong Kong.
Allianz Outpatient Plan Benefits in Hong Kong |
|||
| Hong Kong Active Pro | Hong Kong Active Plus | Hong Kong Active | |
| Maximum plan limit | US$ 25,650
(HKD 200,100) |
US$ 11,780
(HKD 91,900) |
US$ 6,750
(HKD 52,650) |
| Medical practitioner fees | Covered | Covered | Covered |
| Prescribed drugs | Covered | Covered | Covered |
| Health and wellbeing checks | Covers 15 visits up to US$ 1,080
(HKD 8,420) |
Covers 15 visits up to US$ 810
(HKD 6,320) |
Not Covered |
| Vaccinations | Covered up to US$ 1,000 (HKD 7,750) | Covered up to US$ 400 (HKD 3,120) | Covered up to US$ 150 (HKD 1,200) |
| Prescribed glasses and contact lenses including eye examination | Covered up to US$ 245 (HKD 1,910) | Not covered | Not covered |
The below table compares the benefits available through Allianz’s dental plans, Smile and Smile Plus. Smile Plus is only available to members who choose the Hong Kong Care Pro core plan.
Allianz Dental Plan Benefits in Hong Kong |
||
| Smile Plus | Smile | |
| Maximum plan limit | No limit | US$ 1,500 (HKD 11,625) |
| Dental treatment | 100% refund for costs | 80% refund for costs |
| Dental surgery | 100% refund for costs | 80% refund for costs |
| Periodontics | 100% refund for costs | 80% refund for costs |
| Orthodontic treatment (subject to 10 month waiting period) | 65% refund for costs
up to US$ 6,750 (HKD 52,650) |
50% refund for costs |
The below table compares the benefits available through Allianz’s maternity plans, Bloom and Bloom Plus. These plans are not available to be purchased with the Hong Kong Care plan and have to be purchased in conjunction with an outpatient plan.
Both maternity plans are subject to a 10-month waiting period before benefits can go into effect.
Allianz Maternity Plan Benefits in Hong Kong |
||
| Bloom Plus | Bloom | |
| Routine inpatient and outpatient maternity treatment | Covered up to US$ 13,500 (HKD 105,300)
per pregnancy |
Covered up to US$ 6,750 (HKD 52,650)
per pregnancy |
| Childbirth complications | Covered up to US$ 20,250 (HKD 158,000
per pregnancy) |
Covered up to US$ 13,500 (HKD 105,300)
per pregnancy |
To compare more Allianz plan benefits, check out our free quote generator.
Tips for Choosing the Right Allianz Plan for Hong Kong
Tips you can follow to choose the right Allianz health insurance plan for your stay in Hong Kong include determining your healthcare needs, considering your budget, and more. We will discuss these points in further detail below:
- Determine Your Healthcare Needs: Consider any existing medical conditions you may have or potential health risks, as well as any dependents’ healthcare needs. If you expect to use healthcare services often, you will want to purchase an Allianz plan with more comprehensive coverage and limits.
- Consider Your Budget: Take the time to consider what monthly or annual premiums you can afford in your plan. The best Allianz plan for you will have a premium that fits your budget while providing the right coverage for your needs. To further lower your premium, try a higher deductible plan.
- Ask for Professional Advice: Asking an insurance professional, such as an insurance broker, for advice can help you choose a plan that is the best fit for your needs, lifestyle, and budget. Make sure to choose a professional that offers impartial advice and is transparent and honest.
Frequently Asked Questions:
Does Allianz offer VHIS Certified Plans in Hong Kong?
Allianz does not offer VHIS-Certified Plans in Hong Kong. As of July 2022, Allianz is not registered with the VHIS. Expats looking for VHIS-Certified Plans in Hong Kong can find them through other international health insurance providers like Cigna.
Can I use Allianz insurance outside of Hong Kong?
Allianz policyholders can use their health insurance plans outside of Hong Kong. Allianz offers two different geographical areas of cover for its plans: Worldwide excluding Belarus, Cuba, Iran, North Korea, and Russia, and Worldwide excluding Belarus, Cuba, Iran, North Korea, Russia, and the USA.
Does Allianz offer maternity coverage in Hong Kong?
Allianz offers basic maternity coverage through their Hong Kong Care Pro and Care Plus plans, with an option to purchase a more comprehensive maternity plan called Bloom or Bloom Plus. These plans offer coverage for routine maternity care coverage and childbirth complications.
Conclusion
Expats in Hong Kong can enjoy medical coverage with Allianz, which protects their finances and health. With an Allianz health insurance plan, expats can enjoy peace of mind as they travel abroad for work or leisure.
If you’re interested in comparing Allianz plans or other health insurance plans in Hong Kong, Pacific Prime can help. As an insurance broker, we give our clients free and unbiased advice and help them compare a variety of plans from global providers, such as Allianz or Cigna.
You can contact us online, or call us toll-free at 1-800-868-1451. If you’d like to compare quotes, use our free quote tool!
If you enjoyed this article, check out our others with similar topics like these below:
- The Best Life Insurance in Hong Kong
- Living Abroad In Hong Kong
- The 20 Best Places To Live In Hong Kong For Expats
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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