Allianz Reimbursement – Health Insurance with Complete Freedom
Choose your doctors and centres freely worldwide and receive 90% reimbursement of your medical expenses. Access the best private care with no waiting times, no paperwork, and with the backing of Allianz.
What is Allianz Reimbursement Health Insurance?
Allianz Reimbursement is a private health insurance option that offers you two ways to receive medical care:
You can use Allianz’s network of healthcare providers, which includes trusted clinics and specialists across Spain. In this case, you don’t pay anything: you simply show your card and receive treatment with no co-payments.
Alternatively, you can freely choose any doctor or healthcare facility, either in Spain or anywhere around the world. In this case, you pay for the consultation, and Allianz will reimburse you up to 90% of the cost, depending on the annual limits of your policy.
This insurance is ideal for those who want:
Complete freedom to choose your doctor
Easy, cost-free access to Allianz’s healthcare network
Fast and clear reimbursements when you go on your own
📋 Contract Options: Choose the one that best suits you
With Allianz Reimbursement, you can choose from three coverage levels based on your needs and budget. The main difference between them lies in the annual reimbursement limit and the services included.
🟢 Basic
- Up to €110,000 reimbursement per year
Coverage includes emergencies, specialists, tests, rehabilitation, travel assistance, and dental care. - Perfect for those who want to complement public healthcare and avoid waiting lists.
🔵 Medium
- Up to €120,000 reimbursement per year
Includes everything from the Basic level, plus primary care (general medicine, pediatrics, nursing). - Ideal if you are looking for a more complete but affordable insurance option.
🟣 Complete
Up to €200,000 reimbursement per year
- Full coverage: includes hospitalization, childbirth, home emergencies, surgery, cancer treatments, ICU, etc.
- Designed for those who want maximum protection and peace of mind.
All options offer:
90% reimbursement for treatment at freely chosen centres and doctors
Co-payment-free access to Allianz’s healthcare network
⭐ Key Points of Allianz Reimbursement
Complete freedom to choose your doctor or healthcare facility, in Spain or abroad.
90% reimbursement of medical expenses if you go outside the network, with different annual limits depending on the level of coverage chosen.
Co-payment-free access to Allianz’s healthcare network, with thousands of professionals and centres throughout Spain.
Unlimited hospitalization (except psychiatric care), with no additional costs.
Dental care included at no extra cost in all policies.
24/7 phone assistance to answer questions or help with any management tasks.
Bloodless surgery available if needed.
Tax benefits for freelancers and businesses.
Collaboration with prestigious centres, such as the Clínica Universitaria de Navarra and Clínica Baviera.
Coverage for travel abroad, in case of accident or medical emergency.
👨👩👧👦 Who is Allianz Reimbursement Ideal For?
This health insurance is designed for individuals who want the freedom to choose how and where to receive medical care, without complications or waiting lists. It is ideal if:
You prefer the freedom to choose your own doctor, without being limited to a closed network of providers.
You travel frequently or live outside Spain and want private medical coverage anywhere in the world.
You want to complement public healthcare, without sacrificing quick and high-quality care.
You value private hospitalization with no limits, and access to prestigious centres.
You’re looking for a flexible policy for yourself or your family, with reimbursement options tailored to each need.
You are a freelancer or business owner, and want to take advantage of tax benefits.
🛑 Maximum age for enrollment: 64 years.
Once enrolled, you can continue renewing your policy as long as it remains active.
🏥How Can You Use Allianz Reimbursement Health Insurance?
With Allianz Reimbursement, there are two very simple ways to use your health insurance:
✅ Option 1: Use Allianz’s healthcare network
You have access to a wide network of doctors, specialists, and private clinics throughout Spain.
You only need your Allianz health card and your ID.
No co-payments or paperwork. You are treated directly, without paying anything upfront.
💶 Option 2: Choose any doctor or healthcare facility you prefer
You can visit any medical professional or clinic in Spain or anywhere in the world.
You pay for the consultation or treatment, and Allianz will reimburse you 90% of the cost, within the annual limits of your policy.
Simply submit the invoice and medical documentation. The process is simple and quick.
🧾 Annual reimbursement limits by coverage level:
Basic: up to €110,000
Medium: up to €120,000
Complete: up to €200,000
This way, you decide how you want to use your insurance, with freedom, flexibility, and peace of mind.
📋Coverages Included in Allianz Reimbursement
Allianz Reimbursement health insurance offers a very comprehensive private medical coverage plan, ensuring you are protected for any health needs. Here are the main benefits included:
🏥 Medical Assistance
Visits to specialists (cardiologist, gynecologist, dermatologist, etc.)
General medicine and pediatrics (depending on the selected coverage level)
Medical emergencies at healthcare centres and at home
Medical and surgical hospitalization, with no limit on days
🧪 Diagnosis and Treatments
Diagnostic tests (blood tests, ultrasounds, MRIs, etc.)
Special treatments and rehabilitation
Surgeries with or without blood
Intensive care unit (ICU)
👶 Maternity and Women’s Health
Pregnancy and childbirth monitoring
Gynecology and obstetrics
Prenatal tests and ultrasounds
😷 Serious Illnesses and Complex Treatments
Oncology (chemotherapy and radiotherapy)
Pain management treatments
Psychiatry
Assistance in the event of a serious illness diagnosis
🌍 Other Important Services
Dentistry (with included dental network)
Assistance while travelling abroad
Ambulance and medical transportation
24/7 phone support
90% reimbursement if you choose doctors outside the network
Each coverage level (Basic, Medium, or Complete) includes different levels of access to these services, so you can only pay for what you really need!
The annual limits for coverage may vary depending on the option you choose. Below is a table showing some examples of annual coverage limits in different options:
| Coverage | Basic Reimbursement | Medium Reimbursement | Complete Reimbursement |
|---|---|---|---|
| Primary Care | Not Included | Not Included | Not Included |
| Specialists | Included ✅ | Included ✅ | Included ✅ |
| Hospitalization | Not Included | Included ✅ | Included ✅ |
| Surgical Procedures | Not Included | Included ✅ | Included ✅ |
| Bloodless Surgery | Not Included | Not Included | Included ✅ |
| Diagnostic Tests | Not Included | Included ✅ | Included ✅ |
| Pregnancy and Childbirth | Not Included | Not Included | Included ✅ |
| Emergencies | Not Included | Included ✅ | Included ✅ |
| Assistance Abroad | Not Included | Included ✅ | Included ✅ |
| Ambulance Transfer | Not Included | Not Included | Included ✅ |
| Prosthetics and Implants | Not Included | Not Included | Included ✅ |
| Podiatry | Not Included | Not Included | Included ✅ |
| Psychology | Not Included | Not Included | Included ✅ |
| Dental Coverage | Not Included | Not Included | Included ✅ |
| Annual Reimbursement Limit | €110,000 | €120,000 | €200,000 |
Note: The coverages marked with “Included” in green indicate services included in the insurance under each option.
Annual Reimbursement Limit:
Basic Reimbursement: €110,000
Medium Reimbursement: €120,000
Complete Reimbursement: €200,000
Additionally, there is a prosthetics limit of up to €5,000 annually.
🏥 Allianz Health Medical Network
The Allianz Health Medical Network is made up of an extensive network of healthcare professionals and contracted medical centres throughout Spain (over 51,000) and internationally, ensuring access to high-quality medical care whenever you need it. Here’s more about how it works:
Access to a wide network of medical centres
Allianz offers you access to a large network of hospitals, clinics, and medical offices contracted in Spain. This allows you to choose from a variety of options to receive high-quality medical care. 🏥Trusted centres and professionals
All healthcare centres and professionals within the Allianz network are carefully selected to provide you with specialized and reliable medical care. From general practitioners to specialists, you’ll find the best professionals in each field. 👨⚕️👩⚕️Emergency coverage
In case of an emergency, you’ll have access to urgent care at contracted centres, without paying additional costs. This allows you to receive immediate medical attention when you need it most. 🚑Medical assistance abroad
If you travel outside Spain, Allianz offers you international medical assistance. In case of an accident or medical emergency, you’ll have access to medical care in major countries around the world, all with Allianz’s guarantee. 🌍✈️Easy access and management
To use the Allianz medical network services, simply present your Allianz health card at the medical centre of your choice. The process is simple and fast, enabling you to receive care without complications. 💳Dental coverage
Allianz also offers dental coverage within its network of contracted centres. You can access dental treatments such as cleaning, fillings, root canals, and more at no additional cost. 🦷No paperwork or complicated procedures
The Allianz medical network is designed for you to receive care without complications. With your health card and Allianz’s guarantee, you can quickly access all medical services, without lengthy or bureaucratic processes. 📜Personalized assistance
Allianz provides 24-hour telephone assistance to answer any questions about your coverage or available medical network. If you need information about specific centres or professionals, customer support will assist you at all times. 📞
The Allianz Health Medical Network is the easiest and quickest way to take care of your health. With access to the best medical centres and professionals, you’ll always have the care you need, when you need it.
🌍 Allianz Reimbursement Geographical Coverage
With Allianz Reimbursement, you have medical coverage wherever you are. This insurance offers you complete protection both within and outside of Spain:
📍 In Spain
You can visit any doctor or healthcare centre within the Allianz network, without paying anything (no co-payments).
Alternatively, you can freely choose another professional outside the network: Allianz will reimburse you 90% of the cost, according to your policy’s limits.
✈️ Abroad
Allianz covers you if you need medical attention during a trip outside Spain, in case of an accident, acute illness, or worsening of a chronic condition.
You can visit any medical centre worldwide, and Allianz will reimburse you up to 90% of medical expenses.
🏝️ Available throughout Spain, including the Canary Islands, Tenerife, Gran Canaria, Lanzarote, and Fuerteventura.
Enjoy your health with total freedom, wherever you are.
Coverage in Spain
- Allianz medical network
- Outside the network - Free choice: Annual reimbursement limit: Basic €110,000, Medium €120,000, Comprehensive €200,000
Worldwide Cover
- Free choice: Annual reimbursement limit: Basic €110,000, Medium €120,000, Comprehensive €200,000
- International Medical Assistance up to €12,000 / Maximum 90 days of travel
- Cover in international emergencies.
⏳ Waiting Periods – Allianz
The Allianz Health Insurance is designed to offer you comprehensive medical care, but it is important to bear in mind that, as with many health insurances, there are waiting periods. This means that there are certain medical services that you will not be able to use immediately after taking out your policy. These periods vary according to the type of service, and in some cases, it is necessary to wait a certain amount of time before you can access them.
Below, we show you the most common waiting periods in this insurance, such as for pregnancy or childbirth (1 and 10 months respectively), or for services such as diagnostic imaging and rehabilitation (6 months). There are also longer waiting periods for specific treatments, such as lithotripsy (18 months).
| 🩺 Service | ⏳ Waiting Period |
|---|---|
| 🤰 Pregnancy | 1 month |
| 👶 Childbirth | 10 months |
| 🖼️ Diagnostic Imaging (complex tests) | 6 months |
| 🔬 Diagnostic tests and complementary treatments | 6 months |
| 💎 Lithotripsy | 18 months |
| 🏋️♂️ Rehabilitation | 6 months |
| 🏥 Medical/Surgical Hospitalization | 6 months |
| 🦠 Surgical interventions, cancer treatments, and prosthetics | 6 months |
| 💊 Pain Clinic | 6 months |
| 💉 Intensive Care Unit (ICU) | 6 months |
| 🔪 Bloodless Surgery | 6 months |
💡 Important note:
In Allianz Health Insurance, vital medical emergencies are exempt from waiting periods. This means that in emergency situations requiring immediate medical attention, you will be able to access the necessary services without having to wait for the waiting period established for other services.
For example, premature births and miscarriages are considered emergencies and, therefore, are not subject to waiting periods, provided that the pregnancy began after the end of the corresponding waiting period.
Furthermore, it is possible to take out Allianz Health Insurance without a waiting period if you are transferring from another insurance company. Allianz allows new policyholders who already had medical coverage with another insurer to access their services without having to comply with the usual waiting periods. To do so, you will need to provide documentation proving your previous coverage, such as the terms and conditions of your old insurance and your last payment receipt.
👉 At C1 Broker we take care of managing this process for you, hassle-free.
Allianz v. Other Health Insurance Options
Reimbursement
With this option, you have complete freedom to choose your own doctor or clinic.
- Freedom to choose any doctor or clinic, in Spain or abroad
- 90% reimbursement of medical expenses
- Online doctor
- International coverage
- Ideal for those who already have trusted medical professionals
- International medical assistance while travelling
- Maximum enrolment age: 64 years
€€ - €€€
Top Health
Tipo: Reimbursement
The Most Exclusive and Comprehensive Health Insurance
- Reimbursement: 100% Worldwide
- Subscription options: No excess; €600 excess; €1,200 excess
- No annual reimbursement limit
- Medication costs
- Dental cover
- Online doctor
- Travel medical assistance
- Maximum enrolment age: 75 years
- Lifetime policy
€€€
Mundisalud
Tipo: Reimbursement
Coverage through the Medical Network plus the freedom to choose your own doctor or clinic in Spain and abroad with reimbursement.
- Reimbursement available in all options
- Dental cover
- Online doctor
- Travel medical assistance
- Maximum enrolment age: 75 years
- Lifetime policy
€€ - €€€
Residente
Type: Reimbursement
Tailored for German residents living in Spain
- Reimbursement outside the medical network: 80% in Spain, 90% in Germany
- Access to DKV’s exclusive medical network in Spain
- No co-payments
- Dental cover
- Online doctor
- Travel medical assistance
- Maximum enrolment age: 75 years
- Lifetime policy
€€ - €€€
Óptima Plus
Type: Reimbursement
Perfect for frequent travellers, those who want premium care and total freedom of choice.
- No co-payments + full freedom to choose your doctor
- Up to 90% reimbursement in Spain, 80% abroad
- Full international coverage + agreements with hospitals in the USA
- Online doctor
- Includes access to AXA’s medical network and mental health cover
- Travel medical assistance
- Maximum enrolment age: 65 years
- Lifetime policy
€€ - €€€
💙 10 reasons to choose Allianz Reimbursement
We know that your health and that of your family is the most important thing. That’s why Allianz Reimbursement is not just insurance… it’s peace of mind, freedom and confidence. Here are 10 reasons to choose it:
- You choose. You decide which doctor or clinic you want, anywhere in the world. No impositions.
- We’ll refund your money. Allianz reimburses up to 90% of medical expenses if you choose a centre outside the network.
- No co-payments or surprises. When you use the Allianz medical network, you just show your card. You pay nothing.
- Worldwide coverage. Your health is protected in Spain and abroad, wherever you are.
- 24/7 care. You will always have a professional on the other end of the phone to help you.
- Unlimited private hospitalisation. Because in difficult times, you need the best care… without worrying about the cost.
- Includes dental care. All levels of cover include dental care at no additional cost.
- Discounts on special treatments. Such as laser eye surgery or stem cell preservation.
- Tax advantages. Ideal for the self-employed or companies looking to protect their team and save money.
- With C1 Broker always by your side. We are your specialist broker, we help you choose the best option, resolve any issues or accompany you if you need to use your insurance.
💙 Because taking care of your health should be easy, clear and humane.
Useful documents - C1 Broker Spain
At C1 Broker, we value transparency and trust in all our processes. That’s why we provide you with all the necessary documentation about Allianz Health Insurance so that you can find out in detail about its coverage, general conditions, waiting periods, co-payments and other relevant information before taking out your insurance.
Our aim is to help you make the best decision, with complete clarity and confidence. Consult and download the documents you need.
FAQs - Allianz Health Insurance - Reimbursement
Frequently Asked Questions about Allianz Health Insurance - Reimbursement
The maximum age for taking out Allianz Reembolso Health Insurance is 64 years. If you are 64 years old or younger, you can take out this insurance without any problems.
This age limit applies to the initial purchase of the insurance, and once you have taken out the policy, you will continue to have access to all the services according to the conditions of the policy.
For more information or to calculate your personalised health insurance, visit our website.
The limits of reimbursement vary according to the modality contracted:
- Basic Modality: up to €110,000 per year.
- Medium Modality: up to €120,000 per year.
- Full Modality: up to €200,000 per year.
For more details on the limits, consult your policy with C1 Broker. Calculate your health insurance now.
The process for taking out Allianz Health Reimbursement Insurance through C1 Broker is simple and fast. Here are the steps:
- Personalised consultation: The first thing you need to do is contact C1 Broker. Our team will offer you a personalised consultation to understand your needs and help you choose the modality and coverage that best suits you and your family. 📞
- Quote and options: We will provide you with a quote with the different coverage options, explaining all the benefits and details of each modality so that you can make an informed decision.
- Formalisation of the contract: Once you have chosen the plan that suits you best, we can proceed to formalise the contracting of your insurance 100% online. You won’t have to worry about the paperwork, we’ll take care of everything.
- Receipt of the policy: After contracting the policy, you will receive all the official insurance documentation, including your Allianz health card so that you can access the contracted medical centres.
- Access to the Allianz medical network and free choice of doctors with reimbursement: with your policy active, you can start to enjoy quality medical care in affiliated medical centres, without complications or long waits.
At C1 Broker, we are here to help you every step of the way and make sure you get the best health insurance for you and your loved ones.
Yes, the Allianz Reimbursement Health Insurance includes dental coverage, but only within the services provided by contracted centres. This basic coverage includes:
X-rays and dental diagnoses
Preventive treatments such as cleanings and fluoride treatments
Fillings, orthodontics, and other basic treatments
Dental prosthetics and oral rehabilitation
If you want more comprehensive dental coverage, Allianz offers an additional Dental Insurance product that you can add to your policy. This product provides greater dental coverage and access to a broader range of services, including advanced orthodontics, implantology, and other high-end treatments.
For more details about dental coverage options and how to add Dental Insurance, consult with C1 Broker.
Yes, Allianz Reimbursement includes coverage for mental health, within certain limits and conditions.
🧠 Psychiatry services cover up to 15 consultations per year, in addition to 10 annual sessions of clinical psychology.
To access these sessions, they must be prescribed by a specialist in Psychiatry, Oncology, or Pediatrics and require prior authorization.
🏥 In the case of psychiatric hospitalization, coverage is limited to 60 days per year.
❌ Not included:
Group psychotherapy
Any type of psychometric testing
If you have any doubts about how to use this coverage, C1 Broker is here to help you every step of the way.
Yes, Allianz Health Insurance sets waiting periods for certain benefits. These are periods that must pass from the time the insurance is taken out until you can access specific coverage. Waiting periods may vary depending on the type of insurance chosen.
Common examples of waiting periods in Allianz Health:
Pregnancy: 1 month
Childbirth: 10 months
Rehabilitation and pain clinic: 6 months
Diagnostic imaging (complex tests): 6 months
Hospitalization and surgical interventions: 6 months
It is important to note that emergency care is exempt from these waiting periods, as long as the condition is not pre-existing.
To find out the specific waiting periods that apply to your policy, we recommend reviewing the Specific Conditions of your contract or contacting C1 Broker directly for personalized advice.
Yes, it is possible. In Allianz Health, waiting periods can be reduced or eliminated under certain conditions. If you come from another health insurance and provide documentation proving your previous coverage, Allianz may waive the usual waiting periods. This includes presenting the conditions of your previous insurance and the most recent payment receipt.
Additionally, in the case of critical medical emergencies, Allianz waives the waiting periods, ensuring immediate care in critical situations.
For detailed information on how to reduce or eliminate waiting periods for your specific case, we recommend consulting directly with C1 Broker – we can guide you through the available options and necessary requirements.
Allianz Health Insurance does not guarantee a lifetime policy. The duration of the contract is subject to the terms outlined in the policy and the applicable legislation at the time of enrollment. It is important to review the specific terms of your policy to understand the contract duration and renewal conditions. 👉 Calculate your health insurance now
In Allianz Health Reimbursement Insurance, pre-existing conditions—that is, conditions diagnosed before the policy was taken out—are not covered. If these conditions are not declared during the application process, Allianz may take actions such as cancelling the insurance or adding specific exclusions for these conditions.
However, in critical emergency situations related to pre-existing conditions, Allianz provides immediate medical care. It is important to note that, in these cases, the associated costs may be subject to specific limits.
For detailed information on the coverage of pre-existing conditions and the specific conditions that apply, it is recommended to consult the Specific Conditions of the policy or contact C1 Broker directly for personalized advice.
The coverage is immediate from the effective date of the policy, meaning Allianz Health Insurance coverage begins at 00:00 hours on the day the policy is activated. This means that as soon as your insurance starts, you can begin enjoying its benefits.
It is important to note that some services, such as emergency care, are available from day one, but other services may require a waiting period due to waiting periods. This means that, for example, some coverages like pregnancy or hospitalization can only be used after a certain period following the policy’s start.
If you have any questions about when you can access each service, don’t hesitate to review your policy’s conditions or ask C1 Broker, who will guide you through the process.
If you come from another insurer, it may be possible to eliminate the waiting periods by providing the relevant documentation from your previous insurance. C1 Broker will assist you in this process so you can enjoy continuous coverage.
To learn more about how to make the transition, contact us now.
Ready to Take Care of Your Health with Complete Freedom?
With Allianz Reimbursement and C1 Broker, you’re in control of your health: choose the doctor you want, anywhere in the world, and we’ll take care of the rest.
🛡️ Complete coverage
💶 Up to 90% reimbursement
🕐 No waiting. No co-payments. No complications.
And always with the expert guidance of C1 Broker by your side.
Request your personalized quote now and start taking care of your health today.
👉 Click here and get a quote with C1 Broker! 👈
