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Allianz Private Health Insurance
Reviewed by
Erkan Boga
Erkan Boga is the founder and CEO of qmedia GmbH, the publishing house behind How-to-Germany.com. He established the platform with the clear vision of creating...
Edited by
Sadie Voss
Content Lead & Editor
Sadie Voss is the Lead Editor for How-to-Germany.com. As an expat who carved her own way into Berlin from the United States, Sadie is deeply...
- English Support: Limited; Allianz is a traditional German insurer and most official documents are in German
- Digital App / Claims Handling: Available, with a primarily German-language interface
- Main Product Line: Allianz private comprehensive health insurance is built around MeinGesundheitsschutz Plus and MeinGesundheitsschutz Best
- Employee Eligibility: Salaried employees usually need income above the 2026 compulsory insurance threshold of €77,400 per year, or €6,450 per month, to switch to full private health insurance
- Best For: Self-employed professionals, higher-income employees, doctors, and long-term residents who want a financially strong traditional insurer
Allianz Private Health Insurance Overview
Allianz Private Krankenversicherung, part of Allianz Private Krankenversicherungs-AG within the Allianz Group, is one of the largest providers of health insurance products worldwide. Headquartered in Munich, Allianz has a long-standing presence in the German market and offers a broad portfolio of insurance products, including comprehensive private German health insurance for a wide range of customer groups.
For expats, this scale and financial stability can be a strong advantage, particularly for long-term planning.
At the same time, Allianz operates as a traditional insurer with established structures and processes primarily designed for the German market.
- One of the largest providers of health insurance products worldwide.
- Headquartered in Munich with a long-standing presence in the German market.
- Broad portfolio of insurance products.
- Scale and financial stability can be a strong advantage for long-term planning.
- MeinGesundheitsschutz Plus and MeinGesundheitsschutz Best are clearly positioned as the main private comprehensive health insurance tariffs for employees and self-employed people.
- Single-bed or double-bed hospital rooms and private doctor treatment are included as standard Wahlleistungen in both Plus and Best.
- Allianz operates as a traditional insurer.
- Established structures and processes are primarily designed for the German market.
- The modular structure can add complexity when comparing health insurance plans.
- Employees cannot choose full private health insurance unless they meet the legal income threshold.
- Medical underwriting applies, so pre-existing conditions can affect acceptance, price, or coverage.
- The most important outpatient difference is not “alternative treatment” alone: Plus is limited to the GOÄ maximum rate, while Best can reimburse specialist fees above that threshold when valid.
This combination of stability and traditional setup is an important factor to consider when evaluating Allianz as a private health insurance provider.
For expats, Allianz’s scale and financial stability can be a strong advantage, particularly for long-term planning. At the same time, the setup is traditional and primarily designed for the German market.
Eligibility, Costs, and Application Checks
Allianz private comprehensive health insurance is not available to every employee by choice. Salaried employees in Germany can usually only leave statutory health insurance and switch to private comprehensive insurance if their regular gross income is above the annual compulsory insurance threshold. In 2026, this threshold is €77,400 per year, or €6,450 per month.
Freelancers, self-employed people, civil servants, doctors, and some other groups may be able to access private health insurance under different eligibility rules. Students and medical students should check whether a student-specific private tariff, statutory student insurance, or another valid insurance route applies.
Salaried employees cannot simply choose Allianz private comprehensive health insurance. In 2026, they usually need regular gross income above €77,400 per year, or €6,450 per month. Employees below this threshold usually remain subject to statutory health insurance.
Private health insurance applications also require medical underwriting. Allianz, like other German private health insurers, can ask detailed health questions before accepting an applicant. These questions may cover diagnoses, medication, psychotherapy, operations, hospital stays, chronic conditions, and other risk factors.
Pre-existing conditions do not automatically make Allianz impossible, but they can lead to risk surcharges, exclusions, special conditions, or rejection. Expats coming from countries with universal healthcare should pay close attention to this step because German PKV is not open enrollment in the same way as public insurance.
Private health insurance applications must be answered completely and truthfully. Pre-existing conditions can lead to higher premiums, exclusions, or rejection. If your medical history is complex, an independent broker may first make an anonymous preliminary risk inquiry before you apply directly.
Allianz costs depend on age, health status, deductible, tariff level, dental module, sick pay, long-term care insurance, and optional add-ons. Allianz publishes example calculations, but these are not fixed prices for every applicant. Employees also need to consider the employer contribution, while self-employed people generally carry the full premium themselves.
| Cost factor | Why it matters |
|---|---|
| Age at entry | Younger applicants usually receive lower starting premiums than older applicants. |
| Deductible | A higher deductible can reduce the monthly premium, but increases out-of-pocket risk. |
| Dental module | Choosing Zahn 75, 90, or 100 changes reimbursement level and premium. |
| Health status | Medical underwriting can add surcharges or exclusions for pre-existing conditions. |
| Long-term care insurance | Private long-term care insurance is mandatory and adds to the monthly total. |
| Sick pay | Daily sickness allowance is important for income protection and may increase the premium. |
| Tariff level | MeinGesundheitsschutz Best usually costs more than Plus because it offers broader outpatient and family-related benefits. |
Allianz offers a guaranteed 10% Beitragsrückerstattung for adults in MeinGesundheitsschutz tariffs who submit no claims in a calendar year. An additional success-based bonus of up to 20% may be granted, bringing the total potential refund to 30%. The additional bonus is not guaranteed and depends on Allianz’s annual surplus situation and conditions.
Use this quick flow before comparing Allianz with other providers:
- Are you a salaried employee? First check whether your regular gross salary is above the 2026 JAEG of €77,400 per year.
- Do you expect specialist doctors to bill above 3.5x GOÄ? MeinGesundheitsschutz Best is more relevant than Plus because it can reimburse above the GOÄ maximum rate when a valid fee agreement exists.
- Do you strongly value hospital comfort? Both Plus and Best include single-bed or double-bed rooms and private doctor treatment as standard Wahlleistungen.
- Do you rarely submit claims? The 10% guaranteed claim-free refund and possible additional bonus may reduce the effective cost.
- Do you need English-first service? Allianz may feel less comfortable than expat-focused digital providers because official documents and many service processes are German-first.
Key Health Insurance Tariffs
Allianz Private Krankenversicherung structures its private comprehensive health insurance around MeinGesundheitsschutz Plus and MeinGesundheitsschutz Best. These tariffs cover outpatient treatment, hospital care, and preventive services, with different reimbursement levels and optional modules.
Both tariffs can be adjusted through deductibles and optional modules, providing flexible coverage levels. However, the core inpatient Wahlleistungen are not merely optional add-ons: single-bed or double-bed hospital rooms and private doctor treatment are included in both Plus and Best as standard hospital benefits.
Allianz private comprehensive health insurance is built around MeinGesundheitsschutz Plus and MeinGesundheitsschutz Best. Both cover outpatient treatment, hospital care, and preventive services. Single-bed or double-bed hospital rooms and private doctor treatment are included in both tariffs as standard Wahlleistungen.
MeinGesundheitsschutz Plus
The MeinGesundheitsschutz Plus tariff provides comprehensive core benefits with defined reimbursement limits in several areas.
This includes solid outpatient care, preventive services, and strong hospital treatment. Single-bed or double-bed hospital rooms and private doctor treatment, including chief physician treatment, are included as standard Wahlleistungen.
The most important outpatient limitation is the fee-scale cap. MeinGesundheitsschutz Plus reimburses outpatient doctor fees only up to the maximum rates of the German medical fee scale, usually up to the 3.5x GOÄ threshold for medical services. If a specialist bills above this level under a valid fee agreement, Plus may leave the policyholder with a reimbursement gap.
Coverage extends to alternative treatments, services by non-medical practitioners (Heilpraktiker), medical aids, and rehabilitation measures, although benefits are often capped.
International German travel health insurance coverage is generally limited to stays of up to 6 months outside the EU. Coverage within the EU is not subject to time limitations in either tariff.
MeinGesundheitsschutz Plus provides strong core benefits, but outpatient doctor fees are limited to the maximum rates of the German medical fee scale. For specialist treatment above 3.5x GOÄ, MeinGesundheitsschutz Best may offer stronger protection.
MeinGesundheitsschutz Best
The MeinGesundheitsschutz Best tariff represents Allianz’s premium tier, offering more extensive coverage and higher reimbursement levels across key areas.
This includes broader benefits for alternative treatments and Heilpraktiker services, improved coverage for medical aids, and higher allowances for rehabilitation and preventive care.
The major outpatient advantage is that MeinGesundheitsschutz Best can reimburse specialized medical fees above the 3.5x GOÄ threshold when a valid fee agreement is in place. This can matter for expats who want broader access to private specialists, complex treatments, or doctors who bill above the standard maximum rate.
Hospital treatment is also strong: single-bed or double-bed rooms and private doctor treatment, including chief physician treatment, are included as standard Wahlleistungen. If the policyholder does not use these Wahlleistungen during a hospital stay, Allianz may pay a replacement daily hospital allowance instead.
International health insurance covers up to 12 months outside the EU, which can be particularly relevant for those who need private German expat health insurance.
MeinGesundheitsschutz Best offers more extensive coverage, higher reimbursement levels, outpatient fee coverage above 3.5x GOÄ when valid, and international health insurance for up to 12 months outside the EU.
MeinGesundheitsschutz Plus vs. Best Compared
Differences between the tariffs become visible in specific benefit areas.
For example, medical aids, rehabilitation, and preventive programs are covered more extensively in the Best tariff.
In addition, certain private German family health insurance benefits, such as financial support for childcare and household help during illness, are more comprehensive in the premium tier.
| Benefit area | MeinGesundheitsschutz Plus | MeinGesundheitsschutz Best |
|---|---|---|
| Alternative treatment | Included, with more defined limits and capped benefit areas | Broader reimbursement level and higher benefit scope |
| Childcare and household help | Available depending on situation and tariff conditions | More comprehensive support |
| Dental coverage | Chosen through optional Zahn modules | Chosen through optional Zahn modules |
| Hospital treatment | 100% single-bed or double-bed room and private doctor treatment included as standard Wahlleistungen | 100% single-bed or double-bed room and private doctor treatment included as standard Wahlleistungen |
| International coverage outside EU | Usually up to 6 months | Usually up to 12 months |
| Medical aids and rehabilitation | Included with more caps | Higher allowances and broader benefits |
| Outpatient doctor fees | Limited to maximum rates of the German medical fee scale, usually up to 3.5x GOÄ | Can reimburse above 3.5x GOÄ when a valid fee agreement exists |
| Premium refund potential | Guaranteed 10% if claim-free; possible additional bonus up to 20% | Guaranteed 10% if claim-free; possible additional bonus up to 20% |
| Preventive care | Solid coverage | Broader premium coverage |
Medical aids, rehabilitation, preventive programs, childcare support, household help during illness, and outpatient doctor-fee reimbursement are covered more extensively in the Best tariff.
In both MeinGesundheitsschutz Plus and Best, single-bed or double-bed hospital rooms and private doctor treatment are included as standard Wahlleistungen. These are not paid add-ons. If you do not use these Wahlleistungen during a hospital stay, Allianz may pay a replacement daily hospital allowance instead.
Optional Modules
Both tariffs can be further customized with optional modules, especially in private German dental insurance coverage, where different reimbursement levels can be selected.
Additional options, such as daily sickness benefits and deductible choices, can also influence the final premium and the practical value of the policy.
This modular structure allows policyholders to tailor their insurance to individual needs, but also adds a layer of complexity when comparing health insurance plans.
Optional modules allow policyholders to tailor coverage, especially for dental coverage, daily sickness benefits, and deductible choices. Hospital Wahlleistungen are different: single-bed or double-bed rooms and private doctor treatment are already included in both Plus and Best.
Health Insurance for Doctors
Allianz Private Krankenversicherung offers tailored health insurance solutions for doctors and medical students, including physicians in specialist training. Medical students can also refer to private German student health insurance to determine whether plans meet Schengen visa Germany insurance requirements.
These plans align with typical medical career paths in Germany and are designed to accommodate different stages from university to professional practice.
Allianz offers tailored health insurance solutions for doctors, medical students, and physicians in specialist training, aligned with typical medical career paths in Germany.
Expat Reality Check
- Financial Stability: Backed by one of the largest insurance groups worldwide
- Comprehensive Coverage: Broad benefits, including comparatively generous international coverage
- Strong Hospital Coverage: Single-bed or double-bed rooms and private doctor treatment are included in both Plus and Best
- Established Provider: Generally well-recognized by doctors and clinics, with smooth reimbursement processes
- Flexible Tariff Structure: Modular plans allow tailored coverage
- Premium Refund Potential: Claim-free adults receive a guaranteed 10% refund and may receive an additional bonus of up to 20%
- Limited English Support: Most communication and documentation are in German
- Employee Income Threshold: Salaried employees must usually earn above the 2026 JAEG to switch to PKV
- Complex Tariff Structure: Requires careful comparison and configuration
- Traditional Processes: Less streamlined than digital-first providers
- Strict Medical Underwriting: Health checks and risk assessments can be extensive
- Plus Fee-Scale Limit: Plus is limited to maximum GOÄ rates for outpatient doctor fees, while Best can go beyond 3.5x GOÄ when valid
A high-earning employee moving to Germany for a long-term job may consider Allianz if their salary is above the JAEG and they want a financially strong insurer with broad coverage.
A freelancer with stable income may value the flexible modules, but should pay close attention to sick pay, deductible level, and long-term affordability.
An expat with limited German language skills may find Allianz more difficult than English-first digital providers because official documents and service processes are mainly designed for the German market.
A student or early-career medical professional should check whether the doctor or medical-student products fit their exact status, visa requirements, and long-term plan.
An expat who expects to use private specialists frequently should compare Plus and Best carefully. Best may be more suitable if doctors may bill above 3.5x GOÄ under valid fee agreements.
Dental and Vision Coverage
Dental coverage in Allianz’s private comprehensive health insurance is structured through optional modules rather than being fully included in the core tariffs. Policyholders can choose among 3 dental modules within the MeinGesundheitsschutz structure: MeinGesundheitsschutz Zahn 75, MeinGesundheitsschutz Zahn 90, and MeinGesundheitsschutz Zahn 100. These modules determine the reimbursement level for dental prosthetics and orthodontics; full coverage is available only in the highest-tier option. Preventive and conservative dental treatments are covered at 100% across all options.
This modular structure allows for a high degree of customization, enabling policyholders to align coverage levels with their expected treatment needs and budget.
Allianz MeinGesundheitsschutz Zahn 75, 90, and 100 are dental modules inside private comprehensive health insurance.
Allianz MeinZahnschutz 75, MeinZahnschutz 90, and MeinZahnschutz 100 are separate supplementary dental insurance tariffs for people who remain in statutory health insurance and want better dental reimbursement without switching to full PKV.
In addition to private health insurance, Allianz offers dental supplementary insurance for individuals covered under statutory health insurance. These supplementary tariffs are called MeinZahnschutz 75, MeinZahnschutz 90, and MeinZahnschutz 100. There is no current Allianz tariff called MeinZahnschutz 70. These plans are not a replacement for full private health insurance. They are designed for people who cannot leave, or do not want to leave, the public system but want better dental coverage.
The supplementary dental plans reimburse different shares of dental prosthetics, dental treatment, and orthodontic costs depending on the selected tariff. Professional teeth cleaning is covered at 100% without frequency limits, which is not standard across all insurers. Certain cosmetic treatments, such as bleaching, are also included within defined limits in higher-tier plans.
Vision benefits are directly integrated into private health insurance tariffs, typically covering visual aids such as glasses with fixed reimbursement limits (€500 to €1,000 over a period of 36 months, depending on the tariff). For statutory health insurance members, vision-related benefits are available through ambulatory supplementary insurance plans such as AmbulantPlus and AmbulantBest, which extend coverage for visual aids and additional outpatient services.
Alternatives to Allianz Private Health Insurance
Traditional private health insurers in Germany differ in how they design their tariff systems and the degree of flexibility they allow within long-term contracts.
- AXA: One of the closest alternatives in terms of scale, tariff variety, and overall market positioning
- ERGO: Large insurer with a broad product range and flexible tariff structures across different coverage levels
- Signal Iduna: Established provider with solid coverage options and a strong position among specific professional groups
Digital providers focus more on accessibility, English-language support, and fully digital interaction across all insurance processes.
- ottonova: Fully digital insurer with app-based management and integrated telemedicine services
- Feather: Designed for expats, offering simplified onboarding and consistent English-language support
- Getsafe: App-based provider with a modern interface, though with a more limited product scope
Allianz positions itself as a comprehensive, long-term solution with a high degree of internal flexibility, while alternative providers may offer advantages in pricing, usability, or expat-oriented services.
Conclusion
Allianz Private Krankenversicherung offers comprehensive coverage, high financial stability, and flexible tariff options suited for long-term planning in Germany. Its main private comprehensive health insurance product line is MeinGesundheitsschutz, with Plus and Best as the two core tariff levels.
For expats, Allianz can be attractive if they want a large traditional insurer, broad benefits, and long-term stability. However, the practical fit depends heavily on eligibility, language comfort, medical history, deductible level, optional modules, and long-term cost planning.
Salaried employees should first confirm that they earn above the 2026 compulsory insurance threshold before spending time comparing full PKV. Applicants with pre-existing conditions should prepare for medical underwriting. Anyone comparing Allianz with digital or expat-first providers should also consider everyday usability, English support, and whether the modular structure makes the plan easier or harder to manage.
The most important Plus-vs.-Best distinction is outpatient specialist reimbursement. Both tariffs include strong hospital Wahlleistungen, but Best can be more valuable for users who expect doctors to bill above 3.5x GOÄ under valid fee agreements. Plus may still suit users who want Allianz stability and do not expect to use high-fee specialist care often.
Allianz is best suited for users who prioritize stability and depth of coverage, while more digital or expat-oriented providers may be easier to manage in practice.
Frequently Asked Questions
Allianz Private Krankenversicherung is best suited for expats who plan to stay in Germany long-term and are comfortable navigating a traditional German-language insurance environment. This is ideal for people who value comprehensive, highly customizable coverage and are comfortable managing a more complex tariff structure in exchange for long-term stability.
Allianz can be challenging for non-German speakers, as most communication, documentation, and customer service processes are primarily handled in German. While some support in English may be available, it is not consistently integrated across all areas, making everyday management more difficult.
Allianz offers a wide range of tariffs and optional modules, allowing for highly individualized coverage. At the same time, this flexibility increases complexity, as policyholders must carefully compare options and configure their plans to meet their specific needs and long-term considerations.