Updated September 28, 2026 · SumCue Editorial Team
1st Insurance vs Allianz Care
1st Insurance
Allianz Care
Higher score in this comparison
What sets them apart
| Compare | 1st InsuranceReviewSee alternativesSee alternatives | Allianz CareReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel | Health |
| Monthly payments | No | YesHas it |
| Premium from | €139 | Not confirmed |
| Excess from | €0 | Not confirmed |
| Claims channels | Not confirmed | Online portal, App, Phone |
| Age range | 18 and over | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Allianz Care scores higher overall: 9.2 vs 9.0.
- Allianz Care is licensed in 3 more countries.
- Allianz Care is available in 3 more countries.
- Monthly payments: only Allianz Care.
- Insurance types: only 1st Insurance offers Travel.
- Insurance types: only Allianz Care offers Health.
- Audience: only 1st Insurance offers Seniors.
- Audience: only Allianz Care offers Expats.
Our verdict on each
1st Insurance
1st Insurance suits adults and seniors buying a single annual travel policy, with the excess starting at €0 and no monthly payment option. Cover is limited to travel insurance, so the choice is narrow but the terms are simple to read.
Allianz Care
Allianz Care is the insurer here to shortlist if you are an expat buying private health cover and want monthly premiums with claims handled online, in the app or by phone. It sits under AWP Health & Life SA in France.
Score breakdown
| Area | 1st Insurance | Allianz Care |
|---|---|---|
| Cost | 8.6Premium of €139 ranks 225 of 251 on the site, and monthly payments are unavailable. | 9.1Higher |
| Offer | 8.6 | 8.8Higher |
| Trust | 9.5 | 9.5 |
How they place
| Ranking | 1st Insurance | Allianz Care |
|---|---|---|
| Insurance | 262 of 627 | 156 of 627 |
Every fact side by side
| Fact | 1st Insurance | Allianz Care |
|---|---|---|
| Audience | Seniors | Expats |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 1st Insurance (Seychelles) Limited | AWP Health & Life SA |
| Headquarters | Seychelles | France |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | 1st Insurance | Allianz Care | Median |
|---|---|---|---|
| Premium from | €139highest quarter | Not confirmed | €6.02 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 116 listed providers.
Pros and cons
1st Insurance
Pros
- Support runs on email, phone and help centre, so members reach the insurer by phone, email or the help centre.
- Cover is underwritten by 1st Insurance (Seychelles) Limited, a regulated entity in SC under the Financial Services Authority Seychelles.
- It is an insurer, so the cover and the claims sit with the same company.
Cons
- The premium starts at €139, well above the €8.31 median across the site.
- Cover is limited to travel insurance, so a household with other cover needs another provider.
Allianz Care
Pros
- Monthly premiums keep the cost spread across the year instead of one upfront payment
- Claims run through an online portal, the app and phone, so treatment abroad can start without delay
- An insurer rather than a broker, so the policy and the claims sit with one company
Cons
- Its insurance types cover health only (health), so life and gadget policies are not among them
- Support runs on phone, email and help centre only, with no live chat listed
- Cover is written for expats, so anyone wanting a general health plan is out of scope
Who each suits
1st Insurance
Who it suits
- Adults and seniors who want a single annual travel policy held with the insurer.
- Travellers who prefer paying the premium in a single sum rather than spreading it.
- Anyone who wants to reach a person quickly, since support runs on email, phone and help centre.
Who should look elsewhere
- Price-led readers: bunq lists a starting figure of €0 and bunq Spain €0, both under €139.
- Readers looking at life savings rather than travel cover: Linxea's listed starting figure is €25.
Allianz Care
Who it suits
- Expats living outside their home country who need treatment funded abroad
- Anyone who prefers the premium spread monthly rather than paid up front
- People who want claims handled through an online portal or app
Who should look elsewhere
- Anyone looking for life or gadget cover, since Allianz Care writes health only
- Shoppers wanting live chat, as support runs on phone, email and help centre only
- Residents wanting a general domestic health plan rather than expat cover
Country by country
| Country | 1st Insurance | Allianz Care |
|---|---|---|
| Canada | No | Yes |
| France | No | Yes |
| Ireland | No | Yes |
| Qatar | No | Yes |
| Seychelles | Yes | No |
Questions about each
1st Insurance
What does a 1st Insurance policy cost?+
Travel cover starts at €139, above the €8.31 median across the site and above the €29.72 upper quartile. That puts 1st Insurance in the expensive part of the market, and the excess is a separate cost on top of the premium.
Is there an excess to pay on a claim?+
The excess starts at €0, which means the insurer deducts nothing at the lower end of the range. Combined with a premium of €139, the total cost of a claim year is worth weighing before you buy.
Allianz Care
What kind of cover does Allianz Care sell?+
It writes health policies for the personal market, and the plan is aimed at expats. Anyone hoping to bundle life or gadget cover into the same policy will not find it here.
Can I pay the premium monthly?+
Yes. monthly premiums are available, so the cost is spread across the year rather than settled in one payment. That suits anyone whose income arrives monthly or who wants cash flow left free for treatment abroad.
Other options to compare
1st Insurance
Allianz Care