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Allianz Care Tarife für Privatkunden Care Pro: the policy wording in full
Haupttarif Care Pro mit Höchsterstattung 3.703.705 Euro, Einbettzimmer, Präventivoperationen und Unfalltodesleistung; Ambulanz, Zahn, Mutterschaft und Rücktransport als Bausteine.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz Care Tarife für
Privatkunden Care Pro.
Basics and area of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Overall annual limit per insured person | yes, up to EUR 3,703,705 | „3.703.705 € / 2.963.000 € / 1.851.850 € / Höchsterstattungsbetrag“ | Haupttarife, page 3 |
| Open ended cover without maximum duration (renewable for life) | not addressed | ||
| Maximum policy term or stay abroad | not addressed | ||
| Selectable areas of cover (Europe, worldwide excluding USA, worldwide) | yes | „Sie haben die Wahl zwischen drei verschiedenen geografischen Geltungsbereichen“ | Geltungsbereich, page 12 |
| USA and Canada included or optional | yes | „Weltweit Weltweit außer Nur Afrika“ | Geltungsbereich, page 12 |
| Cover during stays in the home country | not addressed | ||
| Cover on trips to third countries outside the area of cover | yes | „Notfallbehandlung außerhalb des versicherten Geltungsbereichs Max. 42 Tage“ | Weitere Leistungen, page 4 |
| Maximum age at entry | not addressed | ||
| Requirements on residence, nationality or minimum stay abroad | not addressed | ||
| Certificate for visa or residence permit | not addressed | ||
| Cover for spouse or partner and children | yes | „Internationale Krankenversicherungstarife für Sie und Ihre Familie“ | Titel, page 1 |
| Rules on compulsory local insurance in the country of residence | not addressed |
Outpatient treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes | „Die folgenden Ambulanttarife sind optional und versichern alltägliche medizinische …“ | Ambulanttarife, page 8 |
| Free choice of doctor (no network or gatekeeper) | not addressed | ||
| Prescribed medication and dressings | yes | „Verschreibungspflichtige Arzneimittel und Materialien Nur bei stationärer und …“ | Stationäre Leistungen, page 3 |
| Therapies (physiotherapy, speech therapy) | yes | „Verschriebene Physiotherapie 934 £ / 1.125 € / 415 £ / 500 €“ | Ambulanttarife, page 8 |
| Medical aids and appliances | yes, up to EUR 1,000 | „Verschriebene medizinische Hilfsmittel“ | Ambulanttarife, page 9 |
| Health checks and vaccinations | yes | „Vorsorgeuntersuchungen, einschließlich Untersuchungen zur Früherkennung von Krankheiten.“ | Ambulanttarife, page 8 |
| Complementary therapies (acupuncture, chiropractic) | yes | „Chiropraktik, Osteopathie, Homöopathie, Traditionelle Chinesische Medizin, Akupunktur“ | Ambulanttarife, page 8 |
| Outpatient psychotherapy | yes | „Psychiatrie und Psychotherapie Nach einer Wartezeit von 10 Monaten 30 Sitzungen 15 …“ | Ambulanttarife, page 9 |
| Telemedicine (video consultation) | yes | „Videoberatungsservices** Zugang über unseren TeleHealth Hub“ | Ambulanttarife, page 8 |
Inpatient treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Inpatient hospital treatment | yes | „Operationskosten einschl. Kosten für Anästhesie und OP-Saal“ | Stationäre Leistungen, page 3 |
| Private or semi private room | yes | „Unterbringung im Krankenhaus Einbettzimmer Einbettzimmer Zweibettzimmer“ | Stationäre Leistungen, page 3 |
| Parent accommodation when a child is in hospital | yes | „Kosten der Unterbringung im Krankenhaus für einen Elternteil, der ein versichertes Kind …“ | Stationäre Leistungen, page 4 |
| Cancer treatment (chemotherapy, radiotherapy) | yes | „Onkologie Stationär, teilstationär und ambulant“ | Weitere Leistungen, page 5 |
| Organ transplant | yes | „Organtransplantation Nur bei stationärer Behandlung“ | Stationäre Leistungen, page 3 |
| Rehabilitation after hospital treatment | yes, up to EUR 4,420 | „Rehabilitationsmaßnahmen 3.670 £ / 4.420 € / 2.075 £ / 2.500 € / 1.660 £ / 2.000 €“ | Weitere Leistungen, page 4 |
| Home nursing after hospital treatment | yes, up to EUR 4,250 | „Häusliche Pflege oder Aufenthalt in einem Genesungsheim 3.525 £ / 4.250 € / 2.075 £ / …“ | Weitere Leistungen, page 4 |
| Inpatient psychiatric treatment | yes | „Psychiatrie und Psychotherapie Nur bei stationärer und teilstationärer Behandlung“ | Stationäre Leistungen, page 4 |
| Treatment of chronic conditions (ongoing, not only acute) | not addressed |
Dental, optical, maternity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dental treatment (fillings, root canal) | yes | „Zahnbehandlungen 100% Erstattung 80% Erstattung“ | Zahntarife, page 11 |
| Dental prosthetics (crowns, bridges, implants) | yes | „Zahnersatz Nach einer Wartezeit von 10 Monaten“ | Zahntarife, page 11 |
| Orthodontics | yes | „Kieferorthopädische Behandlungen“ | Zahntarife, page 11 |
| Emergency dental pain relief | yes, up to EUR 750 | „Ambulante zahnärztliche Notfallbehandlung 625 £ / 750 € /“ | Weitere Leistungen, page 5 |
| Glasses and contact lenses | yes, up to EUR 180 | „Verschriebene Brillen und Kontaktlinsen einschließlich Augenuntersuchungen“ | Ambulanttarife, page 9 |
| Pregnancy and childbirth | yes | „Reguläre Schwangerschaft 8.300 £ / 10.000 € / 4.150 £ / 5.000 €“ | Mutterschaftstarife, page 10 |
| Waiting period for maternity | yes | „Nach einer Wartezeit von 16 Monaten“ | Mutterschaftstarife, page 10 |
| Newborns covered without health questions | not addressed | ||
| Fertility treatment | yes, up to EUR 12,000 | „80% Erstattung bis zu Kinderwunschbehandlung 9.960 £ / 12.000 €“ | Ambulanttarife, page 9 |
Emergency, evacuation and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Medical evacuation to the nearest suitable hospital | yes | „Falls die notwendige Behandlung nicht vor Ort erbracht werden kann, wird die …“ | Weitere Leistungen, page 4 |
| Repatriation to the home country | yes | „Falls die notwendige Behandlung nicht vor Ort erbracht werden kann, können Sie sich …“ | Rücktransporttarif, page 11 |
| Repatriation of mortal remains | yes, up to EUR 10,000 | „8.300 £ / 10.000 € / 8.300 £ / 10.000 € / 8.300 £ / 10.000 € / Rücktransport im Todesfall“ | Weitere Leistungen, page 5 |
| 24 hour emergency assistance line | yes | „24/7 Helpline“ | Kontakt, page 13 |
| Direct billing with hospitals (guarantee of payment) | not addressed | ||
| Medical second opinion | yes | „Service für einen zweiten ärztlichen Rat**“ | Services im Haupttarif, page 6 |
| Compassionate visit by a relative | yes, up to EUR 2,000 | „1.660 £ / 2.000 € / 1.245 £ / 1.500 € / 830 £ / 1.000 € / Reisekosten für …“ | Weitere Leistungen, page 5 |
| Elective treatment in the home country instead of the country of residence | not addressed |
Exclusions and benefit rules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions | not addressed | ||
| General waiting period | not addressed | ||
| HIV and AIDS covered | not addressed | ||
| Exclusion of war, terrorism and unrest even if not actively involved | not addressed | ||
| Exclusion of epidemics and pandemics | not addressed | ||
| Exclusion of hazardous sports | not addressed | ||
| Annual or per treatment deductible | yes | „Um den Beitrag für Ihren Haupttarif zu reduzieren, wählen Sie eine optionale …“ | Selbstbeteiligung am Haupttarif, page 7 |
| Percentage co insurance | none | „Kein Eigenanteil 0% Beitragsnachlass“ | Eigenanteile am Ambulanttarif, page 10 |
| Refund limited to reasonable and customary charges | not addressed | ||
| Prior authorisation before inpatient or costly treatment | yes | „Behandlungen/Kosten erfordern eine Vorabgenehmigung durch Einreichen eines …“ | Legende, page 3 |
| Deadline for submitting claims | not addressed | ||
| Reimbursement currency and exchange rate rule | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed renewal, no cancellation by the insurer after claims | not addressed | ||
| Insurer's right to cancel or not to renew | not addressed | ||
| Premium increases with age bands | not addressed | ||
| Rule for premium adjustments (trigger, frequency) | not addressed | ||
| Continuation or transfer on return home (dormant cover, transfer right) | not addressed | ||
| Policyholder's notice period | not addressed | ||
| Governing law and contract language | not addressed | ||
| Insurer domiciled and supervised in the EU or EEA | yes | „AWP Health & Life SA, handelt durch ihre irische Niederlassung, ist eine …“ | Impressum, page 13 |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- AWP Health & Life DAC
- Distribution
- brokers and direct
- Leistungstabelle Allianz Care Tarife für Privatkunden (DOC-TOB-IND-DE-1125) Edition: Gültig ab 1. November 2025 (DOC-TOB-IND-DE-1125) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Allianz Care Tarife für Privatkunden Care Pro and available
as plain text.
Volltext Allianz Care Tarife für Privatkunden Care Pro Krankenversicherung für Auswanderer · As text (Markdown) Allianz Care Tarife für Privatkunden Care Pro Expat health