Allianz Health Insurance
Allianz health insurance in Spain – Private medical cover for expats
C1 Broker recommends Allianz health insurance — a trusted provider of private medical cover in Spain, offering access to its own medical network, reimbursement options, dental insurance, and comprehensive protection against serious illness, accidents, and death. With Allianz, you can count on reliable, flexible cover tailored to your needs as an expat in Spain.
💙 Complete protection for you and your family.
At C1 Broker, we help you choose the perfect health insurance Option for you 💙
At C1 Broker, we understand that your wellbeing – and your family’s – comes first. That’s why we help you find the Allianz health insurance plan that best suits your personal situation: your age, location, lifestyle, and budget.
Allianz offers a range of comprehensive and flexible health insurance plans – including medical, dental, reimbursement-based and special cover options – and we’re here to guide you towards the one that truly fits your needs, with clear and personalised advice.
Allianz stands out for its strength and international trustworthiness, combining cutting-edge medical services with long-term peace of mind. With Allianz health insurance in Spain, you’re in good hands – with no surprises, stable cover, and the backing of a company that cares for you today, tomorrow, and always.
🩺 Allianz Health Insurance Options Recommended by C1 Broker
At C1 Broker, we carefully select health insurance options that deliver real value, quality and peace of mind. That’s why we recommend Allianz’s flagship health insurance options, backed by extensive experience, a strong medical network, and solutions for all lifestyles and budgets.
✅ 1. Allianz Health Insurance with a Medical Network
This option gives you access to a vast network of approved doctors, clinics and hospitals across Spain. You can choose from two versions:
With primary care: includes general medicine, paediatrics and nursing. Ideal if you want full cover starting from the very first consultation.
Without primary care: go directly to specialists and hospitals, skipping general medicine. Perfect if your primary care is already covered elsewhere.
You can also choose it with or without co-pay, depending on whether you prefer lower monthly fees or no costs at the time of treatment.
👉 Learn more about the Allianz with a Medical Network option.
✅ 2. Allianz Reimbursement Health Insurance
This option offers complete freedom to choose your doctor or clinic, both in Spain and abroad. Allianz will reimburse you for up to 90% of medical expenses, even if you go outside the approved network.
Ideal for those who already have trusted private doctors, or for frequent travellers looking for international health cover.
👉 Go to the Allianz Reimbursement option
✅ 3.Allianz Dental Insurance
Take care of your oral health easily and affordably. This option includes 78 free treatments, with no waiting periods or exclusions, and access to over 2,000 dental clinics.
Perfect as a standalone option or as a complement to your health insurance, ensuring a healthy smile with no surprises.
🔷 Allianz Health Insurance with a Medical Network
- Nationwide medical network across Spain
- 🩺 Option with or without primary care
- 🔄 Option with or without co-pay
- 🏨Includes emergency care, specialists and hospitalisation
- 💡 Flexible and accessible
🔷Allianz Reimbursement
- Freedom to choose any doctor or clinic, in Spain or abroad
- 90% reimbursement of medical expenses
- International cover
- Ideal for those who already have trusted medical professionals
📊Comparison: Allianz Health Insurance with a Medical Network vs. Allianz Reimbursement
| Features | Allianz Health Insurance with a Medical Network 🏥 | Allianz Reimbursement Health Insurance 🌍 |
|---|---|---|
| Where can you go for treatment? | To Allianz’s approved network of doctors and hospitals | To any doctor or clinic, in Spain or abroad |
| Can you choose the professional freely? | ✔ Within Allianz’s medical network | ✔ Yes, full freedom of choice |
| How is it paid? | Allianz pays the medical centre directly. You don’t pay upfront | You pay first, Allianz reimburses up to 90% of the cost |
| Medical expense reimbursement | ❌ Not applicable | ✔ Yes, up to 90% of the cost |
| Co-payment model | ✔ With or without co-pay (your choice) | ❌ No co-pay (you pay, then get reimbursed) |
| Includes primary care | ✔ Optional, depending on the option selected | ✔ Yes, but outside the network you choose your doctor |
| Access to specialists | ✔ Fast and without waiting, within the medical network | ✔ Fast, but you arrange the appointment directly |
| Hospitalisation | ✔ Included within the approved network | ✔ Included, reimbursed if using a non-network hospital |
| International coverage | ❌ Only within Spain (except emergency travel cover) | ✔ Yes, worldwide coverage |
| Annual coverage limits | 🔒 No general limit, but some services may have caps | 💳 Yes: up to €200,000 per insured per year |
| Management and processing | Very simple, Allianz handles everything with the provider | You manage and submit invoices to Allianz for reimbursement |
| Maximum enrolment age | ✔ Up to 69 years and 364 days (actuarial age 70) | ✔ Up to 69 years and 364 days (actuarial age 70) |
| Ideal for… | 👉 People who want simplicity, cost control and ease | 👉 People who want full freedom and maximum flexibility |
| Estimated price | 💰 More affordable (depending on co-pay and primary care) 👉 Explore Allianz Cuadro Médico | 💼 Higher, due to flexibility and reimbursements 👉 Discover Allianz Reimbursement |
📅 Waiting Periods in Allianz Health Insurance
A waiting period is the time you must wait after taking out your health insurance before you can access certain specific benefits.
🔍 For example: if childbirth has an 8-month waiting period, it means you’ll only be able to use that cover after 8 months have passed since your policy started.
💡 But don’t worry – many services such as emergency care, general medicine and specialist consultations are available from day one.
And if you already had another health insurance policy, Allianz may waive some waiting periods, as long as there hasn’t been a gap between policies.
Most common waiting periods with Allianz Health Insurance
🕒 3 months
For complex diagnostic tests, special treatments and some outpatient services.🕒 6 months
For hospitalisation, surgical procedures, and advanced therapeutic treatments.🕒 8 months
For pregnancy, childbirth and postnatal care (except emergencies).✅ No waiting period
For emergency care, GP services, paediatrics and specialist consultations within the approved medical network. These services are available from day one.
At C1 Broker, we help you understand and manage waiting periods with ease, and guide you so you can start enjoying your health insurance as soon as possible.
👉 Calculate your Allianz health insurance now 💙
📋 Summary of Waiting Periods in Allianz Health Insurance
| Cover | Waiting Period | Additional Details |
|---|---|---|
| Hospitalisation and surgical procedures | 6 months | Includes hospital services for both medical and surgical cases. |
| Complex diagnostic tests | 6 months | Applies to advanced diagnostic procedures and complementary tests. |
| Rehabilitation and pain management | 6 months | Includes rehabilitation sessions conducted by qualified therapists. |
| Childbirth | 12 months | Assistance and monitoring by certified midwives. |
| Medical emergencies | No waiting period | Immediate cover from the start of the policy. |
| General medicine and paediatrics | No waiting period | Consultations available from day one. |
| Specialist consultations | No waiting period | Immediate access to specialists within Allianz’s approved network. |
Important Note: Waiting periods may vary depending on the specific option selected and the terms of your policy. In cases of life-threatening emergencies, Allianz may waive waiting periods to ensure immediate care for the insured.
At C1 Broker, we’re committed to helping you understand every aspect of your health insurance and to guiding you in choosing the option that best suits your needs.
If you have any questions or would like more detailed information, don’t hesitate to contact us.
⭐ Why does C1 Broker recommend Allianz Health Insurance?
At C1 Broker, we only work with insurers we trust completely – and Allianz Health is one of them.
✔️ Because it’s a solid, globally recognised company, with millions of insured clients and extensive experience in the healthcare sector.
✔️ Because it offers solutions for all profiles – from options with an approved medical network to reimbursement-based policies and international cover.
✔️ Because it has a high-quality medical network, giving you fast access to specialists, private hospitals, and top clinics.
✔️ Because it includes comprehensive cover, such as primary care, emergencies, hospitalisation, pregnancy, childbirth, specialist treatments and even dental insurance.
✔️ Because it offers long-term peace of mind, with guaranteed continuity and 24/7 support.
In short: Allianz Health means trust, flexibility and protection.
And at C1 Broker, we’re here to help you find the perfect option for you and your family.
Allianz – Health Insurance
Documentation and Downloads: Allianz Terms and Brochures
We’d like to welcome you to Allianz health insurance and let you know that we’re here to support you with anything you may need.
At C1, Insurance Brokerage, our goal is to provide excellent service when you need it most — with clear information, and quick, effective responses.
- 📄 Allianz Health Insurance Brochure (PDF in Spanish)
- 📄 Allianz Full Terms and Conditions (PDF in Spanish)
- 📄 Allianz Cover Summary (PDF in Spanish)
- 📄 Allianz Medical Insurance with Primary Care – IPID (PDF in Spanish)
- 📄 Allianz Reimbursement Medical Insurance – IPID (PDF in Spanish)
- 📄 Allianz Dental Insurance – IPID (PDF in Spanish)
- 📄 Dental Co-payments Table (PDF in Spanish)
Ready to take out your Allianz Health Insurance with C1 Broker?
You choose the path. We guide you.
Whether you’re looking for a no co-pay health insurance with access to Spain’s top private medical network, or a premium reimbursement option with complete freedom of choice, C1 Broker is here to help you find the perfect Allianz Health Insurance for you and your family.
📞 We offer free advice, with no obligation – always personal and professional.
👉 Request your personalised quote now and start protecting your health with confidence.
