Allianz's health insurance in the UK is international cover sold under its Allianz Care brand to expats and their families, which is a different product from a standard UK private medical insurance policy. If you are weighing Allianz against Bupa, AXA or Aviva for treatment in the UK, the first job is to find out which of those two kinds of policy you are comparing. Whichever kind you need, an FCA-authorised broker will ring after you fill out the form on this page, set UK policies from several insurers side by side, and discuss where Allianz fits for free.
Which parts of Allianz sell what in the UK
"Allianz" is a group name, and the businesses under it do different jobs. Three separate pieces of evidence help to sort them out.
- Allianz Care is the brand for international health plans. International Adviser reported on 20 Nov 25 that "Allianz Partners has launched a revamped range of international health insurance plans for individual expats and their families in the UK and Europe under its Allianz Care brand." Expatica's guide to insurance in the UK (last updated 26 May 2025) also names Allianz Care among "expat-friendly international firms" offering health plans to people in the UK.
- Allianz Insurance, LV= General Insurance and Petplan are named in Bupa's 2025 annual report as "collectively" Allianz Holdings.
- LV= General Insurance says on its press page that it is "owned by Allianz Holdings plc" and that car, home, pet and travel insurance enquiries go to the LV= insurance site.
Outside health, then, Allianz Holdings is a general insurer, and LV= General Insurance's own lines include car, home, pet and travel cover. Health is where the Allianz Care name appears, and it is aimed at a particular type of customer, described next.
What the Allianz Care plans look like, as launched in November 2025
International Adviser's report gives the outline of the range. The plans are "exclusively for new business" and are "designed for those spending 12 months or more away from their home country, including expatriates, students, digital nomads, professionals and families living or working abroad." That wording matters for a UK reader, because it describes a person who lives outside their country of origin, not simply anyone who wants private treatment in Britain.
According to the same report:
- there are three core plans, called Base, Enhanced and Signature, with in-patient care included in all three;
- optional add-ons such as out-patient services and dental care can be added;
- maternity is standard in Enhanced and Signature with a 12-month waiting period;
- bariatric surgery is included in Enhanced and Signature with a 24-month waiting period.
These are the launch details of a trade-press article, not a policy document, so treat them as a description of the range and not as the terms of any policy you could buy. The terms that apply to you will be in the documents that come with a quote. Those documents are worth going through line by line with a broker before you commit, and that conversation costs you nothing.
International plan or UK private medical insurance: where they differ
The two kinds of policy answer different questions, and the practical differences are worth knowing before you ask for a quote.
| Question | International plan (Allianz Care type) | UK private medical insurance |
|---|---|---|
| Who it is built for | People living away from their home country for a year or more, per the launch description | People living in the UK who want private treatment alongside the NHS |
| Where it is meant to pay | Private treatment in the countries inside the plan's area of cover, at local prices | Private treatment in the UK at hospitals on the policy's hospital list |
| How it is priced | Your country of residence and the area of the world covered, above all whether it includes the United States | Your age, your postcode, the options you pick and the excess you agree to pay |
| How medical history is handled | Set by each insurer's own underwriting rules | Set by each insurer's own underwriting rules; the common methods are described on the page on what private health insurance is |
The table describes how the two types of policy generally work, not the terms of any one Allianz plan. For the layers an international plan can include, and why the United States moves the price, see the international health insurance cost page.
If you intend to ask a broker about both types, the useful thing to bring is the facts: where you live, how long you expect to stay, whether you plan to travel, and whether you want to be treated in the UK. Those decide which table column you are really in.
Who each route tends to suit
An international plan can make sense where the person is an expatriate or a long-stay resident whose treatment needs reach beyond one country, or who is moving between countries. Someone who lives in the UK and wants quick access to private consultations, scans and surgery here is usually looking for UK private medical insurance, which is built around the UK's private hospital network and the NHS pathway. For expats leaving the UK, the expat health insurance page covers the questions that come before choosing a policy, and the page on expat cover costs explains why a UK price does not carry over.
Eligibility is the point most likely to trip up a UK reader. A plan described as being for people spending 12 months or more away from their home country may not be open to someone whose home country is the UK and who lives here. Eligibility, residence rules and age limits for new customers are the insurer's decisions, and they can change. Whether Allianz can cover a UK resident for treatment here is something a broker can confirm without charge on the call-back, and until it is confirmed the safer assumption is that the answer depends on your circumstances.
Where someone does want cover for treatment in the UK, the usual starting point is a UK private medical policy.
Comparing UK cover when you want treatment here
If what you want is private cover for treatment in the UK, the comparison is between the insurers that sell UK private medical insurance, and a broker can quote several of them in one conversation. Which insurers those are, and what they would charge you, depends on your age, postcode and the level of cover you choose. The page on whether brokers are free sets out how that works for you. If you read reviews along the way, the page on expat insurer reviews explains what they can and cannot tell you.
Ask the broker for several quotes on the call-back, and ask whether an Allianz Care plan is one they can place alongside them. Check whether each quote is for an international plan or a UK policy, what the excess and any co-payment are, how existing conditions are treated, and what happens at renewal. Put those questions on the call-back and note the answers beside each quote so you can compare them like for like.
Three things people ask about Allianz and health insurance
Does Allianz have health insurance?
Yes, in the form of Allianz Care international health plans, reported as relaunched in November 2025 for expats and families in the UK and Europe. LV= General Insurance, part of Allianz Holdings, handles car, home, pet and travel insurance.
Is Allianz private health insurance?
Allianz Care plans are private cover paid for by the policyholder and sit outside the NHS. They are international plans, so they are not the same product as a UK private medical insurance policy from a UK insurer.
How much does Allianz health insurance cost?
The price of an Allianz Care plan depends on which of the three core plans you pick, the add-ons, your country of residence and the area of the world covered. Fill in the form here if you want a broker to ring and set out, without charge, how a UK policy's price would compare for someone your age.