Allianz Careread before you sign.

Table names AWP Health & Life SA acting through its Irish Branch, governed by the French Insurance Code: French registration 401154679; Irish branch registration 907619. The table does not establish the full regulator clause for your local contract.

Care Base, Care Enhanced and Care Signature in this accessible November 2025 table. Do not substitute older Care/Care Plus/Care Pro naming or assume a shared benefit matrix.

Per member per insurance year: Base US$1.35m / €1m / £830,000 / CHF1.3m; Enhanced US$2.7m / €2m / £1.66m / CHF2.6m; Signature US$5m / €3,703,705 / £3.1m / CHF4,814,815. Sublimits and terms apply.

Mandatory Core plus optional Out-patient and/or Dental. Optional modules cannot be bought standalone and must match the Core tier, for example Base Core with Base optional modules. Routine maternity is a Core benefit on Enhanced and Signature in this table—not a Bloom add-on.

Four listed areas: Worldwide; Worldwide excluding USA; Africa only; Europe. A treatment area does not establish permission to purchase in every residence market.

Worldwide includes USA. Emergency treatment outside the selected area is limited to six-week trips / maximum 42 days, with Base US$135,000 and Enhanced US$337,500 limits; Signature up to its plan maximum. Guide definitions apply; this is not routine US cover on an excluding-USA plan.

Core and Out-patient deductibles can be selected independently per person per insurance year. The explicit Out-patient USD choices are none / 338 / 743 / 1,148 (other currency tables differ). Core has a separate schedule; do not relabel these as hospital deductibles.

Tier-matched optional Out-patient covers specified everyday care with tier-specific limits. Core already lists selected high-cost outpatient treatment such as dialysis, oncology, specified scans and outpatient surgery. No optional module does not mean all outpatient treatment is excluded.

Routine maternity in Core: Base unavailable; Enhanced US$6,750 / €5,000 per pregnancy; Signature US$13,500 / €10,000 per pregnancy. Twelve-month waiting period and pre-authorisation apply. Complications and newborn provisions are separate.

Optional matching Dental annual maximum: Base US$1,500; Enhanced US$2,500; Signature no plan limit. Treatment, surgery and periodontics reimburse 80% on Base/Enhanced and in full on Signature, subject to terms. Base has no orthodontics; waits and sublimits apply. Optical entries require the matching outpatient table.

Evacuation and medical repatriation appear in all three Core tiers and require pre-authorisation. Evacuation is to the nearest appropriate centre when treatment is unavailable locally; home-country repatriation requires that country inside the area of cover. Related travel/accommodation has separate conditions.

Exact Care November 2025 underwriting and continuation clauses remain unverified. The January 2025 Expat Protect before-65 / rolling 24-month moratorium form belongs to another product; do not universalise it or imply automatic acceptance after two years.

The table directs Worldwide members to the Benefit Guide for US direct billing. Many Core treatments require pre-authorisation. This does not promise cashless treatment at every facility or for all outpatient services.

The exact current Care new-entry clause is not established here. Provider brief before-76 full underwriting and before-65 moratorium claims need the governing product/market clause; Expat Protect is not substitute evidence.

Exact automatic/guaranteed renewal, termination and age provisions require the current Care guide. No lifetime-renewability promise is verified here.

Exact cancellation window, trigger and refund conditions await the governing guide; no universal numerical cooling-off period is asserted.

Monthly-payment availability, loading and annual-contract obligation await the applicable guide and quote. No monthly price is fabricated.