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privateFinancial Strength: AA

Allianz Private Krankenversicherung

Allianz Private Krankenversicherungs-AG

97.5Score
★★★★☆4.2

Customer satisfaction · 554K members

Franke und Bornberg: FFF+ Outstanding(2026)DFSI: AAA Very Good(2026)

Allianz is the overall Gesamtsieger (winner) in 2026 PKV tests with a grade of 1.1. As Germany's largest insurer overall, Allianz PKV offers top-rated coverage (FFF+, AAA, IVFP Excellent 1.0) with strong expat support and comprehensive claim processing.

Overall Score

97.5/100

Founded

1890

Headquarters

Munich

Type

private
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No obligation. Compare personalized rates.

Key Metrics

Zusatzbeitrag

N/A (private)

Total Rate

Individual tariff-based

Bonus Program

yes

English Support

partial

Editorial Ratings

Franke und Bornberg: FFF+ Outstanding(2026)

Rating: FFF+ (Outstanding) (max: FFF+ (Outstanding))

100Franke
DFSI: AAA Very Good(2026)

Rating: AAA — Very Good (max: AAA)

95DFSI

Coverage Highlights

  • ✓Overall Gesamtsieger (winner) with grade 1.1 in 2026 tests
  • ✓IVFP: Excellent (1.0) — 1st place
  • ✓FFF+ (Outstanding) from Franke und Bornberg
  • ✓AAA rating from DFSI
  • ✓24/7 English-speaking support for expats

Pros

  • ✓Overall winner in 2026 PKV comparison tests (grade 1.1)
  • ✓Triple-A rated by DFSI — top company quality
  • ✓Extensive network of contracted providers
  • ✓Strong expat support with English-speaking 24/7 service
  • ✓Part of Allianz SE — Germany's largest insurer

Cons

  • ✗Premium tariffs required for top-rated coverage
  • ✗Core documents primarily in German despite expat services
  • ✗Large corporate insurer — may feel less personal

Frequently Asked Questions

Why is Allianz PKV rated #1?

Allianz PKV earned the Gesamtsieger (overall winner) title with grade 1.1 in 2026 tests, combining an FFF+ tariff rating (Franke und Bornberg), AAA company quality (DFSI), IVFP Excellent 1.0, and 'Very Good' fairness across all sub-areas (ServiceValue).

Does Allianz PKV support English-speaking expats?

Partially. Allianz offers 24/7 English-speaking support for expats and has experience with international clients. However, core policy documents are primarily in German.

What is Allianz PKV's financial strength?

As part of Allianz SE — Germany's largest insurer and one of the world's largest financial services companies — Allianz PKV has excellent financial stability with an AA financial strength rating.

Is Allianz PKV suitable for Beamte (civil servants)?

Yes. Allianz was rated among the top 3 for company quality by DFSI and offers specific civil servant tariffs, though Debeka remains the market leader in that segment.

Quick Summary

InsurerAllianz Private Krankenversicherung
Country🇩🇪 Germany
Overall Score97.5/100
Satisfaction4.2/5
Members554K
Typeprivate
Founded1890

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Visit Allianz Private Krankenversicherung to learn more about their plans.

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