🇩🇪 Allianz SE Germany – Comprehensive Insurance Plans for Individuals and Businesses
Allianz SE is not just a household name in Germany—it's a global insurance powerhouse rooted in German efficiency and trust. Headquartered in Munich, Allianz has built its legacy by offering smart, protective, and flexible insurance plans for individuals, families, and businesses of all sizes. Below is a comprehensive breakdown of the main insurance categories and the specific plans available through Allianz Germany.
🔹 1. Health Insurance (Private Krankenversicherung)
Allianz offers robust private health insurance solutions designed for freelancers, self-employed individuals, civil servants, and high-income employees.
Plans Include:
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Allianz AktiMed Tarife – Modular health plans with selectable coverage:
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Outpatient, inpatient, dental, and alternative medicine options
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Optional daily sickness allowance and hospital room selection
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Student Plans – Tailored for international students and German nationals in higher education
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Expat Health Plans – Health coverage for foreign nationals living and working in Germany
Eligibility: Typically up to age 55 for new contracts
Monthly Premium: Varies based on age, gender, and selected modules (starting from ~€200/month)
🔹 2. Life Insurance (Lebensversicherung)
Whether for family protection, retirement, or wealth building, Allianz’s life insurance products are extensive and versatile.
Plans Include:
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Risikolebensversicherung (Term Life Insurance) – High coverage for low monthly premiums
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Kapitallebensversicherung – Combines life protection with capital accumulation
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Fondsgebundene Lebensversicherung – Unit-linked life insurance with investment components
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Sterbegeldversicherung – Burial cost coverage for those planning ahead
Coverage: From €25,000 up to €1 million+
Contract Terms: Typically 10–35 years
Entry Age: Usually 15–65 years
🔹 3. Pension & Retirement Plans (Altersvorsorge)
Planning for retirement is a priority in Germany, and Allianz offers tailored products for long-term savings and tax advantages.
Plans Include:
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Riester-Rente – Government-subsidized for employees with social security
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Rürup-Rente (Basisrente) – Ideal for self-employed and freelancers, highly tax-deductible
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Private Rentenversicherung – Flexible private pension plans with optional capital guarantee
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Fondsgebundene Rentenversicherung – Pension plan with exposure to market returns
Retirement Entry Age: 62–67 depending on product
Contribution Range: From €25/month upwards
🔹 4. Accident Insurance (Unfallversicherung)
Provides financial support in the event of injury from accidents during leisure time or work.
Coverage Features:
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Disability compensation lump sum
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Daily hospital allowance
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Cosmetic surgery and rehabilitation support
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Optional child accident protection
Entry Age: 1–70 years
Insured Sum: €50,000 to over €500,000 depending on coverage level
🔹 5. Home & Property Insurance
Protecting your home is vital, and Allianz has comprehensive options for homeowners and renters alike.
Types Offered:
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Hausratversicherung (Home Contents Insurance) – Covers fire, theft, water, storm damage
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Wohngebäudeversicherung (Building Insurance) – Covers your house structure against natural risks
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Glasversicherung – Additional glass breakage protection
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Elementarschadenversicherung – Protection against floods, earthquakes, and landslides
Annual Premiums: Start from ~€50/year for contents; varies for building insurance based on home value
🔹 6. Liability Insurance (Haftpflichtversicherung)
Personal liability is a must-have in Germany, and Allianz offers excellent protection at competitive prices.
Popular Plans:
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Private Haftpflichtversicherung – Essential for individuals and families
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Berufshaftpflicht – For professionals (e.g., doctors, architects)
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Tierhalterhaftpflicht – For pet and horse owners
Coverage Limits: Up to €60 million
Annual Cost: Starts at around €40/year
🔹 7. Auto & Mobility Insurance (Kfz-Versicherung)
Allianz is one of the top car insurers in Germany, offering flexibility and digital tools.
Coverage Levels:
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Haftpflicht (Liability Only) – Required by law
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Teilkasko (Partial Coverage) – Theft, glass, weather
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Vollkasko (Full Coverage) – Adds collision and vandalism protection
Add-ons:
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No-claims bonus protection
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Replacement vehicle coverage
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Roadside assistance in Europe
Annual Premiums: Based on car model, driving history, and region
🔹 8. Travel Insurance (Reiseversicherung)
For both domestic and international travel, Allianz ensures you're covered wherever you go.
Options Include:
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Trip cancellation/interruption
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Emergency medical abroad
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Baggage loss/delay
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Annual multi-trip policies
Prices: Start at €10 for short trips, around €60+ for annual cover
🔹 9. Legal Protection Insurance (Rechtsschutzversicherung)
Covers legal costs including attorney, court fees, and expert opinions in the event of disputes.
Common Plans:
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Private Legal Protection
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Traffic Legal Protection
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Professional Legal Protection
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Tenant/Landlord Legal Protection
Coverage Amount: Up to €1 million or unlimited
Monthly Cost: Starting from ~€15/month
🔹 10. Business Insurance (Gewerbeversicherung)
Allianz supports German businesses with tailored insurance across multiple industries.
Offerings:
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Public liability and product liability
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Business contents and interruption
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Cyber insurance
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Fleet insurance
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D&O insurance for corporate executives
Final Thoughts
Allianz SE has created one of the most comprehensive and customer-focused insurance portfolios in Germany. Whether you’re a student, employee, business owner, retiree, or an expat, Allianz has an insurance plan that meets your needs and adapts as your life evolves.
To explore these plans further or get a personalized quote, visit:
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