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ALC Health International Medical Insurance

ALC Health are an innovative global medical insurance company that protects the health of individuals, their families and companies across the world with a range of flexible plans and services that reflect the lifestyle of today's expatriate. The company consistently stands out among other international medical insurance companies by its approach to customer care and where we have found their service to be both highly responsive and efficient.

When you purchase your cover with ALC Health will also be given FREE membership of the Blood Care Foundation who provide fully screened blood in an emergency worldwide. As soon as their 24 hour emergency alarm centre is advised that you need to have a blood transfusion, clean, screened blood from a Regional Supply Point (RSP) are sourced and delivered quickly to wherever in the world it is needed.

We also like ALC World, their dedicated online member service which brings together a range of services including detailed information covering an extensive library of fully verified Medical Specialists and Providers, up to date Country security information, City profiles, medical term and drug translation services and more.

The company works hard to make sure that your experience of ALC Health is the best it can be. Whether it's when you receive your policy documents for the first time or need their assistance when making a claim, their knowledgeable and highly experienced team are on hand to help you every step of the way.

Key Facts
  • Founded: 2001
  • HQ: UK
  • Support: UK, Gibraltar, Spain
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 74
  • Policy Holder: Expatriate
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Highlights
  • Various underwriting terms and optional Guaranteed acceptance and no BMI question
  • Plan available for commercial pilots and aircrew
  • First class competent service to their member
  • Simple online application
ALC Health Prima Plan Options

ALC Health provides good flexibility by allowing you to add-on optional cover that's important to you. Shape the cover you want by adding maternity, out-patient, evacuation, repatriation and USA cover as required.

USA Cover
Out-Patient Cover
Routine Dental
Pregnancy and Childbirth
Evacuation or Repatriation

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ALC Health Prima Member Services

Access a fully-fledged range of member services from ALC Health.

With a solid reputation for service performance, ALC Health provide a unique collection of quality services that you won't find with many other insurance providers.

ALC Health Prima Sub Products

ALC Health provides a range of four plans. Their "Concept" plan is mainly designed for Expatriates looking for a low cost plan that covers just the basics while their "Platinum", "Premier" and "Classic" plans are more suited for expats based in the rest of the world. The "Classic" is an all-round policy for expatriates based in any country and includes in and out-patient treatment. It is popular with expats based in India and South East Asia, but is also suited to expats based in parts of Latin America and Africa.

Their higher cover limits plans are the "Premier" and "Platinum" plans, that are modular based and allow you to build a plan suited to your needs. You can have a major medical plan with routine dental or maternity cover but exclude out-patient treatment. The cover modules include major medical, out-patient, evacuation, dental, maternity and travel.

Combined with free emergency blood transfusion cover, online claims service and an extensive member only doctor and medical information service, expats around the world find ALC Health's plans and services ideally suited to their needs.

ALC also offer regional plans for resident’s in Portugal, Spain and Gibraltar (IBERICA plan); in Bulgaria, Czech Republic, Estonia, France, Gibraltar, Hungary, Latvia, Lithuania, Poland, Portugal, Romania and Spain (EUROPA); and Guernsey / Alderney Jersey / Isle of Man (ISLANDS) plan. Contact us for advice on these plans or an application form.

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The Prima policy provides cover on either a global basis or European region basis providing good flexibility for expats with different location requirements.

Choose from either "Europe" if you're based solely within the European region for a lower premium, "Worldwide Excluding USA"if you need cover more widely and "Worldwide" if you need cover while visiting the USA. Please be aware there that ALC exclude several countries from cover such as Iran, Cuba and several countries in Africa meaning that they will not pay for hospital treatment should you get sick while living or travelling there.

Compare ALC Health Prima Sub Products

Compare Plans

Concept Classic Premier Platinum
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Deductibles
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Maximum Benefit

$0.375 million

$1.875 million

$3.75 million

$7.5 million

USA Elective Treatment

In-Patient

Concept

Classic

Premier

Platinum

Hospital Accommodation

Private

Private

Private

Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant

$300,000

$300,000

$300,000

Physiotherapy
Rehabilitation
Hospice
Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

Concept

Classic

Premier

Platinum

Out-Patient Surgery
Medical Practitioner Fees

$300 per year

Specialist Fees
Prescription Drugs
Diagnostic Tests
Diagnostic Scans

CT & MRI

CT & MRI

Home Nursing Care

14 weeks per year

Max 26 weeks per year

Max 26 weeks per year

Prosthetic Devices
Chiropractic
HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.
Physiotherapy

$375 per year

$4,500

$4,500

Oncology
Alternative Therapies

Maternity

Concept

Classic

Premier

Platinum

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.



$7,500



$7,500



$7,500

Newborn Care
Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$150,000

$150,000

$150,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

$15,000

$15,000

$15,000

Dental

Concept

Classic

Premier

Platinum

Emergency In-Patient
Emergency Out-Patient
Routine
Complex
Orthodontic

Well-Being

Concept

Classic

Premier

Platinum

Routine Health Check

$750

$750

Vaccinations

$750

$750

Psychiatric

Concept

Classic

Premier

Platinum

In-Patient Treatment

30 days

30 days

30 days

Out-Patient Treatment

$7,500

$7,500

Evacuation

Concept

Classic

Premier

Platinum

Medical Evacuation
Medical Repatriation
Repat' of mortal remains



$7,500

$7,500

$7,500

$7,500

Compassionate visit
Companion expenses



$150 per day

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Concept

Classic

Premier

Platinum

Eye tests & consultations
Glasses & contacts

$195

$195

$195

Chronic Conditions

Concept

Classic

Premier

Platinum

Monitoring & maintenance

$22,500

$75,000

Stabilisation of chronic episode

$22,500

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating