ALC Prima Plans | International health insurance

Flexible international health insurance plans for expatriates all over the world.

ALC Prima Plans are all insured by AXA PPP Insurance.

ALC Global Health Insurance offers you a set of comprehensive plans with well designed range of options. Prima Plans, efficiently combine in-patient treatment care, day-patient treatment and outpatient treatment care benefits with the option to add routine maternity care, dental care and evacuation/repatriation services.

Prima Plans highlights

Prima Premier Plan: Inpatient Treatment Care Plan (USD 3 750 000 / €3 000 000 / £2 500 000 per year & per membership)
Core in-patient and day-patient cover including full cancer cover with the option to add routine pregnancy and childbirth care, routine dental treatment and evacuation repatriation services.

Prima Classic Plan: (USD 1 875 000 / €1 500 000 / £1 250 000 per year & per membership) 
Full Hospitalization plan with an limit for Outpatient Treatment care up to $15 000/ €12 000/ £10 000.
A more traditional healthcare plan covering the essential cost of private medical treatment of in-patient, day-patient and capped out-patient treatment benefits with the option to add routine pregnancy and childbirth care, routine dental treatment and assistance repatriation services.

Prima Iberica Plan: (€1 250 000/ £1 500 000 per year & per membership)
A comprehensive plan with a limit for Out-Patient treatment care up to €12 000/£10 000 with a range of options.
A comprehensive plan combining in-patient treatment care, day-patient treatment and outpatient treatment care benefits with the option to add routine maternity care, dental care and evacuation/repatriation services.
*Plan available only for expats residing in Spain/Portugal/Gibraltar.

Client underwriting options

Moratorium: pre-existing conditions known up to five years prior to cover inception will be excluded and then after a period of two continuous free years treatment, our client will be able to claim for treatment of these conditions.

Full Medical Underwriting: our clients provide details about their health and we will use this information to decide whether or not we can cover them for any past diagnosis or medical condition.

Continued Personal Medical Exclusions: offered to those clients transferring from the other iPMI programmes and where current underwriting terms are followed.

Any excess chosen is applied per person per policy period and not per medical condition. Any excess option chosen applies only to in-patient and out-patient treatment and does not apply to routine pregnancy, routine dental and/or evacuation/repatriation covers.

10 benefits that can make a difference

+ Wide choice of flexible core products with an immediate coverage
+ Full Cancer cover
+ Optional routine Dental, Pregnancy & Evacuation benefits
+ New joiners accepted up to age 74 renewable for life
+ Guaranteed Group leaver options
+ Children included up to 25 years
+ Hazardous activities and Innocent bystander cover
+ Comprehensive ‘Claims Online’ service
+ Worldwide Blood Transfusion service
+ ALC World, the online global medical resource service