Allianz private health insurance: independent review
Germany's largest insurer overall and a globally recognised brand, founded in Munich in 1890. Best for international professionals who want premium tariffs and the most reliable English-speaking service in the German private market, and are comfortable paying for it. Around 3.09 million people are insured with Allianz private health cover (2024).
Allianz editorial scorecard
How Allianz rates across the five criteria English-speaking applicants most often weigh. Our independent editorial assessment.
Ratings
- Customer satisfaction
- Claims experience
- Digital experience
- Long-term price stability
- Financial stability
Allianz
Best for
International professionals who want premium tariffs and reliable English support
“Germany's largest insurer overall. Premium tariffs, globally recognised brand, and the most reliable English service in the German private market.”
Allianz at a glance: pros and cons
What Allianz does best, and where competitors still have an edge.
Trade-offs
Where competitors win
- Premiums sit at the higher end of the market
- As a stock company, the long-term price-stability record is shorter than mutual insurers like Hallesche or HanseMerkur
- App and digital claims flow trail behind digital-first insurers like Ottonova
Strengths
Where Allianz stands out
- The most reliable English-speaking customer service in the German private market, strongest in major metro areas
- Top tariffs include a private hospital room, chief-physician treatment, and worldwide cover
- Top-tier financial strength (5/5), backed by the globally listed Allianz group
- One of the broadest hospital and specialist networks in Germany
- Bundled discounts if you already hold Allianz home, car, or life cover
What makes Allianz different
Five differentiators that consistently come up when English-speaking residents weigh Allianz against the other ten major insurers.
Reliable English-speaking service
In major metro areas Allianz offers the most dependable English support in the German private market, from application through to claims. For non-German speakers this removes the single biggest friction point of a traditional insurer.
Premium tariff benefits
Top tariffs include a private single hospital room, treatment by the chief physician, and worldwide emergency cover. This is comprehensive cover aimed at people who want the full private experience.
Top-tier financial strength
Allianz scores 5/5 for financial stability, backed by the globally listed Allianz group with more than €35 billion in capital investments. Reserves and solvency are among the strongest in the market.
Broad provider network
One of the widest hospital and specialist networks in Germany, with established direct-billing arrangements at major clinics that speed up claims.
Multi-policy bundling
If you already hold Allianz home, car, or life cover, bundling can unlock discounts. Useful for people consolidating their insurance under one brand.
What Allianz actually covers
Allianz comprehensive tariffs cover all core private health insurance benefits and add the premium extras that define the top of the market. On paper the coverage matches other premium insurers in the comparable tier, see our guide to what private health insurance covers. The differentiation is in service: English-speaking support, a broad network, and top-tier financial backing.
- GP and specialist visits
Free choice of doctor, with direct specialist access on comprehensive tariffs.
- Hospital
Private single room and treatment by the chief physician on top tariffs.
- Dental
Comprehensive treatment, implants, and orthodontics, tariff-dependent.
- Vision
Glasses, contact lenses, and laser surgery in selected tariffs.
- Mental health
Outpatient and inpatient psychotherapy covered, with shorter waiting times than the public system.
- Worldwide cover
Emergency and travel coverage outside Germany, tariff-dependent.
- Alternative medicine
Selected tariffs include osteopathy, acupuncture, and naturopathic care.
- Prevention
Preventive check-ups and vaccinations covered without a deductible on most tariffs.
How much does Allianz cost
Allianz premiums follow the same three-factor structure as every German private health insurer: age at sign-up, coverage level, and health status at application. Employees who earn above the €77,400 income threshold get an employer subsidy of up to half the premium, a good €500 per month at the 2026 cap. Below are rough benchmarks for a healthy individual on a standard comprehensive employee tariff (gross, before employer subsidy). Allianz sits at the higher end, so these ranges run above the market midpoint. For market-wide numbers, see our guide to private health insurance costs in Germany.
- Age 28
Roughly €300 to €400 per month on a standard comprehensive tariff.
- Age 33
Roughly €370 to €480 per month on a standard comprehensive tariff.
- Age 38
Roughly €450 to €580 per month on a standard comprehensive tariff.
Important context on Allianz pricing
These ranges are indicative only. Your personal quote depends on tariff choice, deductible level (Selbstbeteiligung), and your health declaration. Allianz prices at the premium end and is rarely the cheapest option, but you are paying for service, network, and financial strength. If a lower comparable premium and a stronger long-term stability record matter more than the Allianz brand, mutual insurers like Hallesche or HanseMerkur often quote less on the same profile, especially under 40. If price is your main criterion, start with our guide to the cheapest private health insurance in Germany.
Allianz vs Hallesche vs HanseMerkur
The two strong mutual alternatives to premium-priced Allianz that we most often place for English-speaking clients. Stats collected from public sources and broker quoting data.
Allianz
Premium, global brand
Hallesche
Mutual, long-term value
HanseMerkur
Mutual, most stable premium
Company
Choose a plan to compare
About Allianz
Germany's largest insurer overall and a globally recognised brand. Premium positioning, reliable English support in major metro areas.
Financial highlights(2024)
- Legal form
- Stock company (AG)
- Insured persons
- 3,090,849
- Gross premium income
- €4.32 billion
- Capital investments
- €35.15 billion
- Current investment yield
- 3.6%
- Acquisition expense ratio
- 8.1%
- Administration expense ratio
- 2.3%
Contact
- Registered office
- Allianz Private Krankenversicherung, Königinstraße 28, 80802 München
- Main switchboard
- +49 89 3800-0
- Customer service line
- +49 89 3800-1000
- info@allianz.de
- Website
- https://www.allianz.de/gesundheit/
Who Allianz is best for, and who it isn't
Allianz is the strongest fit for a specific kind of applicant. If your profile matches, few insurers match the combination of service, network, and financial strength. If price is your priority, a mutual insurer will serve you better. Self-employed readers can go deeper in our guide to private health insurance for freelancers.
Best fit: International professionals who value English service
If dealing with your insurer in English matters, Allianz is one of the safest choices in the private market.
Best fit: High earners who want premium benefits
Private room, chief physician, and worldwide cover, backed by the strongest balance sheet in the market.
Best fit: Existing Allianz customers
If you already hold Allianz home, car, or life cover, bundling can lower the effective cost.
Best fit: Internationally mobile professionals
A globally recognised brand and worldwide cover make Allianz convenient if you move between countries.
Not the best fit: Budget-focused applicants
Allianz rarely wins on price. Mutual insurers like Hallesche or HanseMerkur usually quote a lower comparable premium with a stronger long-term stability record, especially under 40.
Not the best fit: Digital-first users
If a fully app-based, bilingual online experience is your top priority, a digital-first insurer will feel slicker than Allianz. A broker can weigh that against Allianz's service and network.
How to switch to Allianz
Eligibility check
- Confirm you qualify for private cover: employee earning above the €77,400 income threshold (2026), self-employed, or civil servant.
- A broker pulls comparable quotes from Hallesche, HanseMerkur, ARAG and others alongside Allianz so you see whether Allianz is the strongest fit on your age, health, and budget, or whether a better-value mutual wins.
Application and underwriting
- Complete the Allianz health declaration and choose your tariff and deductible level. Allianz underwriting is thorough, so accurate answers matter.
- If you are already on a private contract, §204 VVG lets you transfer accumulated age provisions (Altersrückstellungen), subject to Allianz underwriting your current health.
Cancellation and start date
- Your broker cancels the existing public sickness fund (two-month notice) or private contract with the correct timing.
- The new Allianz contract starts the day the old one ends, with no coverage gap.
Compare Allianz with the whole market
Independent across all 11 insurers
We pull quotes from Allianz, Hallesche, HanseMerkur, ARAG and the rest side by side. No exclusive deals.
English-speaking, free of charge
Brokers in Germany are paid by the insurer. The consultation, the comparison, and the aftercare cost you nothing.
Personal recommendation, not a sales pitch
We tell you which insurer fits your age, health, and long-term goals, including when the answer isn't a private contract at all.
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Related guides
Three more pages that come up most often when people are at this stage.
Hallesche review
Stuttgart mutual, 90+ years, among the most stable premiums and generous no-claim refunds. A strong long-term-value alternative to Allianz.
Learn moreHanseMerkur review
150-year Hamburg mutual with the most measured long-run premium stability and strong international cover.
Learn moreARAG review
Family-owned group with bundled patient legal protection, flexible deductibles, and family-friendly contribution rules.
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