aLC Health

'à la carte' Health - private medical health care

Buying a ALC Health Prima insurance plan gives you not only a wide-range of affordable and comprehensive international cover for medical expenses, but also a policy that is approved for residing in Germany. Further to this, with ‘Global Response’ ALC Health have their own 24/7 "in-house" claims team to assure swift claim-settlement and help whenever needed, offering a toll-free number for calls from Germany too. Hence, their plans are attracting people from all over the world, availing themselves of a really ‘good value for money’ insurance plan to counteract constantly increasing medical expenses.

Why we would choose ALC Health…
When asked to cherry pick ALC’s unique selling points, apart from COVID-19 cover, it has always been a pleasure to assure our clients that ALC offer guaranteed acceptance of any applicant and up to the age of 74. Using their online application process, within just a few minutes you will have instant cover, without answering one medical question, possible with moratorium underwriting.

ALC Health also offers lifetime renewals and regardless of the illness you might delevop whilst insured with them. Offering direct billing with most Helios clinics in Germany paying invoices is no longer an issue too either. And should you ever need to file a claim,  in 2021 ALC upgraded their Customer Portal for quicker means of communication, swifter claim handling and added a webchat service.

Lastly, it is always reassuring to know that ALC Health’s Prima plans are accepted as proof of adequate health insurance at the German Foreigners office when you may apply for a resident or work permit.

2 Ways to insure yourself with áLC Health

1. Full Medical Underwriting
áLC Health cover most medical conditions and to access the health status require answers on 16 medical questions.
These include questions about disorders to: digestion, gynaecological parts, ear, endocrine system, eye, heart or blood vessels, liver and gall bladder, mental status, metabolism, neurological functions, nose, respiratory system, skin, throat, teeth, urinary tract and also ALC want to know if any medical issues are related to: AIDS & HIV, cancer, growths, cysts, moles, muscular or skeletal problems and tumours.

2. Moratorium Clause
Any medical condition or specified related condition for which the insured person has received medical treatment, had symptoms or sought advice in the 5 years prior to the start of the policy are not covered.

After a continuous period of 2 years of insurance cover with ALC Health, any pre-existing conditions that were excluded will be insurable providing the insured person has not:

   a) consulted a medical practitioner or specialist for medical treatment or advice; or
   b) suffered symptoms; or
   c) taken medication

for that specific condition.

ALC in Germany

The majority of our aLC clients in Germany are expats, freelancers, self-employed or students in major German cities like Aachen, Berlin, Cologne, Dusseldorf, Frankfurt, Hamburg, Munich, Stuttgart.

Furthermore, ALC clients are able to sign up for mandatory German Long-Term-Care insurance, also know as "Pflegepflichtversicherung" (PVN). For more information on 'PVN' please follow this internal link.


  • Contact - Private Clients

    To send sensitive data such as credit card/ bank account details, updates on your health condition, changes to your current plan or to submit claim forms/ confidential medical records, we stongly advise to use ALC's Secure Messaging (link) before using the following means.


    Application forms:
    Renewal queries:
    Personal details and contractual matters:

     Germany - 0800 664 4832 (Freephone)
     Gibraltar - 200 669 59
     Hong Kong - 800 965 313 (Freephone)
     Malta - 800 621 89 (Freephone)
     Philippines - 1800 111 020 96


    Customer complaints can be filed using email: managingdirector[at]
  • Offices

    Office Addresses:

    Head Office:
    ALC Health
    Chanctonfold Barn
    Chanctonfold, Horsham Road
    Steyning West
    Sussex, BN44 3AA
    United Kingdom
    T +44 (0) 1903 817970
    F +44 (0) 1903 879719
    Spanish Office:
    Edificio Golden
    Avenida Ricardo Soriano
    72 Portal B, 1a Planta
    29601 Marbella
    T +34 952 93 16 09
    F +34 952 90 67 30

    Gibraltar Office:
    World Trade Center
    6 Bayside Road
    1st Floor – Unit 1.02
    GX11 1AA

    T +350 200 77731

  • Plan Range

    Prima Plans

    Full Medical Insurance

    • Prima Platinum (top of the range)
    • Prima Premium (good value for money)
    • Prima Classic (economic solution)

    ALC Health's Comparison Table of their Prima tariffs: Classic, Premier & Platinum

    Available annual excesses:
    Euros:   Nil | 60 | 180 | 360 | 600 | 1,200 | 3,000 | 6,000 | 9,000
    GBP:   Nil | 50 | 150 | 300 | 500 | 1,000 | 2,500 | 5,000 | 7,500
    USD:   Nil | 75 | 225 | 450 | 750 | 1,500 | 3,750 | 7,500 | 11,250

    ALC's Prima plans list a total of 48 general exlusions, but not all apply to every plan. A detailed description can be found in their Policy Wording, pages 18 and 19. (link)

    The following pre-existing conditions are generally not insurable though:
    Arterial disease, cataract, diabetes, diabetic renal disease, diabetic retinopathy, ischaemic heart disease, stroke.

    Congenital anomalies,
    except where covered under Newborn Cover

    Development delays/disorders

    Expenses arising from or related to ...

    • claims submitted later than 6 months after the end of the period of cover, unless not reasonably possible
    • completion of claim forms and any other documents or administration costs
    • excessive, unreasonable and uncustomary invoices for the type of treatment and location treatment was received
    • overdue payment of invoices

    Foetal surgery

    Genetic deformities/disorders or birth injures

    Genetic testing

    Home visits,
    unless they are medically necessary following the sudden onset of an acute illness, which renders the insured incapable of visiting their medical practitioner.

    Hormone Replacement Therapy (HRT)

    Impotence, sexual dysfunction

    Parent Accommodation

    Reimbursement for:

    • Nutritional supplements and products that can be obtained without prescription
    • Speech therapy, unless diagnosed as a phycical impairment
    • Supplements and substances which are available naturally

    Treatment arising from or related to ...

    • a medical practitioner or specialist who is in any way kindred
    • alcohol or drug abuse
    • chemical or radioactive contamination from nuclear material or the combustion of nuclear fuel, asbestosis or any related condition
    • communication therapy, floor time and family therapy
    • cosmetic issues, obesity and any form of weight loss
    • criminal, illegal or unlawful acts
    • cryopreservation, implantation or reimplantation of living cells or living tissue
    • deafness caused by ageing, and the provision of hearing aids
    • eating disorders
    • experimenal, unlicensed or unproven methods
    • fertilisation, sterilisation, vasectomy or other sexually related conditions
    • disobedience to follow medical advice, including travel
    • disorders such as:
      • adjustments
      • antisocial behaviour
      • attachment
      • attention deficit hyperactivity
      • autism spectrum
      • conduct
      • obsessive-compulsive (personality)
      • oppositional defiant
    • gender reassignment
    • injuries sustained whilst engaged in a criminal, illegal or unlawful act
    • laser eye correction, incl. refractive keratectomy (RK) and photorefractive keratectomy (PRK), unless the consequence of an accident
    • personal choice, including Pregnancy Termination if not medically necessary
    • piercing and tattooing
    • plastic surgery, except for reconstructive reasons to restore funtion or apperance after an accident or surgery for cancer
    • professional sports
    • sexually transmitted infections (STD)
    • sleep disorders, such as apnoea, snoring, insomnia and sleep related breathing problems
    • suicide, bodily injury or illness that is wilfully self-inflicted, due to negligent or reckless behavior or caused by self-exposure to needless danger, except to save a human life
    • surrogacy, whether acting as surrogate or intended parent
    • war, terrorism, unless the person is an innocent bystander

    Global Prima

    Travel Insurance

    • Area Options:
      • Europe
      • Worldwide, excluding USA, Canada and the Caribbean but incl. the Bahamas
      • Worldwide
    • Trip Options:
      • Multi-trip
      • Single-trip
        • Up to 100 days cover for each trip 
        • No policy excess
        • Option to included Golf package
        • Option to include Winter Sports package
        • Cover available up to age 74 yrs
    • Plan Options:
      • Silver
        • €7.5 million / £6.25 million annual medical cover
        • Trip Cancellation
        • Trip Curtailment
        • Missed Connections
        • Emergency Medical Expenses
        • Additional Hospital Benefit
        • Personal Accident Cover
        • Baggage & Personal Belongings
        • Money
        • Working Abroad
        • Loss of Passport / Driving License Expenses
        • Personal Liability
        • Legal Expenses
        • Optional Multi-trip Winter Sports cover package
      • Gold
        • €15 million / £12.5 million annual medical cover
        • Trip Cancellation
        • Trip Curtailment
        • Missed Connections
        • Emergency Medical Expenses
        • Additional Hospital Benefit
        • Personal Accident Cover
        • Baggage & Personal Belongings
        • Money
        • Working Abroad
        • Loss of Passport / Driving License Expenses
        • Personal Liability
        • Legal Expenses
        • Replacement Business Associate
        • Optional Multi-trip Winter Sports cover package
        • Optional Multi-trip Golf cover package
    The ALC Health Prima Travel plans are underwritten by: 
    Millstream Underwriting Limited on behalf of AWP P&C S.A.-
    Dutch Branch, trading as Allianz Global Assistance Europe
  • Area of Cover

    ALC Health insure 3 different geographical areas, which are:

    • Area 1 - 57 countries*
    • Area 2 - Worldwide (without USA)
    • Area 3 - Worldwide


    *Area 1 is defined as:
    Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Federal Republic of Yugoslavia, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tajikstan, Turkey, Turkmenistan, Ukraine, United Kingdom, Uzbekistan

  • Claim Handling

    Claim Handler:
    Global Response Ltd.
    3rd Floor, Fitzalan House,
    Fitzalan Court,
    Cardiff, CF24 0EL
    United Kingdom
    Tel.: +44 2920 468 500
    Fax.: +44 2920 468 797

    Pre-authorisations required:
    aLC Health's Policy Wording on their Prima plans states that the following treatments/ benefits require pre-authorisation and should this condition not be fulfilled, they reserve the right to decline the claim in full or, in the event of in-patient or day-patient treatment, will pay only 50% of eligible benefits if treatment is subsequently proven to be covered.

    • Planned In-patient / Day-patient treatment
      • All treatment
      • Subject to at least 5 working days prior to admission or treatment appointment
    • Out-patient
      • Psychiatric treatment
    A claim can be pre-authorised before the visit to the doctor, specialist or hospital
     by calling ALC Health on 0044 330 333 6686 or emailing: preauthorisation[at]


    Claim submission deadline:
    6 months, after period of cover (cancellation date or renewal)

ALC Health Announcements

05.05.2023 - New ALC Health Product

Introducing their new international private medical insurance product Global Prima Medical InsuranceSM, ALC Health offer five revised tariffs, optional add-on benefits and multiple annual policy excesses.

With this Global Prima replaces ALC Health’s legacy Prima plans and IMG'sGlobalFusionSM and GlobalSelect® products.

01.03.2022 - Introducing SiriusPoint & International Medical Group (IMG)

Carrier Change

ALC Health now being a part of IMG's global family brands, will undergo a carrier change for all plans renewed or purchased on or after 1st January 2022. The new parent company of ALC and IMG, SiriusPoint International Insurance Corporation is a top global insurer and reinsurer with a financial strength rating of A- (excellent) from rating companies such as: AM Best, S&P, and Fitch.

Expanded Product Lines with IMG

Being part of IMG’s global family of brands, coming soon ALC Health will introduce expanded product lines with IMG, which include a full suite of international full private medical and travel medical insurances, with telemedicine and Employee Assistance Program (EAP) services.

In addition, Patient Direct Billing facilitation has been extended to include the Quiron Group of Hospitals as well as other clinics and hospitals in Germany and Spain.

01.03.2022 - Improvements to the member area 'MyALC'

ALC Health has announced enhanced features available in the member area MyALC, the most convenient and efficient way for clients to access and manage their plans (link to MyALC).

With MyALC you can currently:These additional improvements are launching soon:
  • Initiate pre-authorisation of treatment
  • Submit claims and view their status
  • Make secure payments
  • Receive assistance via live web chat
  • Search for medical facilities
  • Obtain travel and security information
  • SMS and WhatsApp contact options
  • Quicker and easier pre-authorisation and claims submission journeys

    For more information about MyALC and "How-to Videos" please follow this link.

    18.03.2020 - COVID-19 (Coronavirus SARS-CoV-2) | Cyber Attack

    Most recently, the COVID-19 outbreak has escalated into a global pandemic and we are closely monitoring the situation for any new developments.

    We want to assure you that ALC has extensive experience working with governments and medical organizations to assist our members during serious medical situations, including all global health emergencies. Throughout this outbreak and after, customers can rely on ALC to be there for them during their travels.
    We are currently experiencing a significant increase in the number of calls, emails, and inquiries to our team regarding COVID-19. We appreciate your patience as we quickly work to respond to all inquiries. For information regarding COVID-19 and how benefits may be affected, please visit our dedicated resource page, which includes frequently asked questions regarding IMG and ALC products.
    Additionally, earlier in the year, ALC’s systems were down for an extended period due to a cyber incident beyond our control. Our systems were recently restored, but we are still working through our backlog of requests from this incident. 

    While there has been no evidence of a data breach or access, we are requesting all members reset their password upon logging into the ALC member portal as an additional security precaution.

    We are actively working to return our service levels back to normal. Please note the following capabilities we will continue to utilize during this difficult time:

    • Dedicated Customer Care team working additional hours to accommodate requests as quickly as possible
    • Technology platforms as well as a dedicated Coronavirus Information page
    • Chief Medical Officer and medical team on staff that are actively monitoring the outbreak
    • Ability for ALC employees to work remotely, ensuring limited or no interruptions in service

    For more important updates please visit their coronavirus resource page as new information is published here as soon as it becomes available.

    24.09.2019 - BREXIT

    ERICON broker would like to inform all our clients how as of 31st October, the expected date when the UK is to leave the EU, this could influence ALC Health's trading in the German market.

    Over the last months ALC has appointed a new underwriter, 'XL Insurance Company SE', located in Ireland and therefore not subject to BREXIT.
    Consequently, should the UK leave the EU, all Prima plans will not be affected, consequently are still valid in Germany, thus will not jeopardise a residence permit (VISA).

    We would like to advise all our clients that we will react to safeguard your current situation in Germany as our commitment to you is to ensure that all our international insurance partners meet the set requirements and are registered with BaFin (German Federal Financial Supervisory Authority).

    Therefore, should you decide that you may be at risk, please be assured we will work with you in securing an alternative.

    Link to the official statement.

    Frequently Asked Questions

    Insurance - Health - International Private - aLC Health

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    • I have ALC and live in Germany, do I have to purchase pregnancy cover?

      On 1st March 2011 the European Union introduced a Directive which required all insurances to be non-discriminatory in respect of gender.  This was originally intended to be aimed at property (motor) insurances but was extended to apply to all insurance sectors and came effective for health insurance on 21st December 2012.

      German health insurances had always traditionally included pregnancy cover for all females – rates calculated according to age. Consequently rates for men were lower. When it was announced that unisex would be implemented to the health sector optimists believed the female rates would reduce to the male level – but of course insurance companies would not miss such an opportunity, and simply INCREASED the male rates to those of females. Naturally the men complain that they have to bear the cost of pregnancy cover and in return women however will now find that they are paying for the cost of prostate cover!

      aLC never included pregnancy cover in their core benefits, which are and always have been, the same for male and female.  As it always was – and still is – pregnancy cover is a separate option – not one of the core benefits.  Therefore, it has not been necessary to rationalise the core benefit rates as they are inline with the EU Directive - being the same for both male and female. Also offering pregnancy as an option is also fairer – females who do not want this cover do not have to take it –EXCEPT if the German "Auslaenderamt" insist saying the insurance should be on the same lines as German insurance.

      It is unlikely that any German insurer would adopt the same structure as aLC – they would after all be losing potential revenue!

      The actual Law does not help too much as it relies on interpretation and the we have experienced that the Foreigners Offices also tend to apply their own ‘rules’ despite the Law.

      Is this answer helpful? Yes / No

    • I live in the Netherlands, hence does aLC provide full cover?

      The health insurance act enacted by the Dutch government requires any person who is classed as a resident to hold a health insurance policy that includes cover for such things as chronic and pre-existing medical conditions. Latter are not covered or have been specifically excluded on the aLC Prima plans! For this reason and by Dutch law aLC Healthcare is obliged to advise their clients that any cover provided is 'additional' and/or 'supplementary' towards existing Dutch compulsory health insurance.

      Is this answer helpful? Yes / No

    • Is aLC legally accepted in Germany?

      ALC Health, in conjunction with their underwriter Catlin Insurance Company (UK) Ltd., has authorisation in form of a irrefragably certificate from the German Financial Supervisory Authority (BaFin), confirming that their health plans Prima Classic, Prima Premier & Prima Platinum comply with requirements, hence are fully legal. With this authorisation aLC are eligible to trade in Germany and can offer health insurance to any resident in Germany, regardless of nationality.

      The above-mentioned is subject of payment in line with §193 paragraph 3 VVG (German Insurance Contract Act) and must include dental and pregnancy coverage!

      Is this answer helpful? Yes / No

    • aLC increases my premium every year, why?

      All insurances are subject to inflation, yet health insurance inflation is invariably higher than normal inflation. For a more detailed explanation please read this article.

      Is this answer helpful? Yes / No

    • If I cannot pay my premium on time, will my policy be cancelled?

      ALC Health suspend cover on the 7th day after payment is due and unless payment is received by 21st day the contract will be cancelled due to non-payment! Once cancelled, a policy can however be reinstated, yet may require satisfactory completion of a health declaration.

      Is this answer helpful? Yes / No

    Your question / answer was not here? What do you miss?

    It just takes 2 minutes to complete our aLC Health enquiry form to receive a quotation within 48 hours- this we guarantee!
    Our obligation-free quote will not only state the premiums of all 3 suitable plans for Germany (Prima Platinum, Prima Premier and Prima Classic) but includes all information necessary to get a clear picture of aLC Health's Prima plans benefits and exclusions.

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