Who Allianz Is
Allianz Private Krankenversicherung is the health arm of one of the largest insurance groups in the world. It is a stock company, so it answers to shareholders, and it competes near the top of the market on cover and financial strength rather than on price.
The tariff range is broad, from streamlined options to comprehensive plans with high benefit limits, single-room hospital cover and generous outpatient reimbursement.
Strengths
- Financial backing: the group’s size and reserves give reassurance on long-term solvency.
- Comprehensive tariffs: the upper plans offer strong benefits across hospital, outpatient and dental.
- Digital service: claims submission and policy management through the app are well developed.
Where To Look Closely
Allianz rarely wins on opening premium. You pay for the brand and the cover, so the question is whether the specific benefits you will use justify the difference against a strong mid-market insurer. Look at the ageing-reserve build and the increase history rather than only the first-year figure. As with any large insurer, the exact tariff matters more than the logo: a thin entry plan from a premium brand can be worse value than a comprehensive plan elsewhere.
Best fit: a higher earner who wants comprehensive cover and financial reassurance, and is comparing on benefits rather than chasing the cheapest quote.
Ask for the full benefit table in writing and check where Allianz sits on multi-year increases before you weigh the premium.
Frequently Asked Questions
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