Allianz Private Health Insurance Review

Overview

Founded in 1890 in Munich, Allianz is Germany's most internationally recognised insurance brand and one of the largest financial services groups in the world. Its PKV division serves hundreds of thousands of privately insured individuals in Germany, with a particular focus on high-income professionals and expats.

Allianz's size means its English-speaking support teams, digital infrastructure, and international reimbursement capabilities are unmatched among German PKV providers. If you need to file a claim from abroad or deal with a multilingual insurer, Allianz is the market leader.

Pros

• Best English-language support of any major PKV insurer
• Premium tariffs with genuinely comprehensive coverage
• Strong digital app and online claims processing
• Global cover — important for expats who travel or return home
• High name recognition — easy to deal with abroad

Cons

• Among the most expensive PKV providers
• Historically above-average premium increases
• Not the best value for budget-conscious applicants
• Some tariffs have complex conditions worth reading carefully

Key Tariffs

Tariff	Level	What it covers
BestMed	Premium	Comprehensive private hospital, 100% outpatient, extensive dental, no deductible
MediSelect	Mid-range	Solid all-round coverage with optional deductible to lower premium
AktiMed	Entry	Entry-level tariff with higher co-pays, good for healthy young applicants

Best For

Expats who want English-language support, frequent travellers, high earners who prioritize comprehensive coverage over cost.

Verdict

Allianz is the natural choice for expats who want to deal with their insurer in English and expect a smooth, modern experience. Its coverage is hard to fault — but this quality comes at a price. Allianz premiums are typically 15-25% above the market average and have historically risen faster than competitors like Debeka or Hallesche. If budget is secondary to coverage and service, Allianz deserves serious consideration.