ALC are specialists in World Wide and European Medical insurance
ALC offer Europe or Worldwide cover on a reimbursement basis. Their strong point is their claims service, that are very efficient and responsive when bills are sent in.
"ALC Health reflects the diversity and uniqueness of their clients, combining a wide range of language skills with an extensive knowledge of regional cultures and the protection our clients need. They have highly skilled claims team that has handled cases in over 140 countries during the last decade".
The key aspect of this company is they provide
Coverage for Serious Pre-Existing Medical Conditions, such as recent cancer and heart issues among others.
Health insurance from ALC Health does not have restrictions on who you use.
You can choose from a range of comprehensive plans and levels of cover.
• No hospital restrictions – You are free to choose any private hospital for your healthcare in Spain
• No limit on time out of Spain. Unlike other companies - you can spend up to 11 months a year out of Spain
• Covered in other countries – All ALC’s plans provide cover for treatment in other countries within your selected area. There are no hospital restrictions for treatment in other countries either
• Tailor your insurance – ALC plans provide options to add cover for: routine pregnancy & childbirth. Dental treatment and/or evacuation or repatriation can also be tailored.
• Choice of currencies – You can pay for your premiums in Sterling, Euros or US Dollars
• Reduce your premiums – You can choose to have a higher excess to lower the premium
• Pre-existing conditions can be covered.
Moratorium periods available
After 2 years of the active policy you will have full cover for all preconditions (applies only if medication free and symptom free). This type of policy is very attractive if you have been refused insurance from other providers. If one or more insurers have refused to quote it may be the case that your condition is on a list of non insurable conditions with normal companies. This is were ALC really comes into its own.
What happens if you are "not" medication or symptom free? It simply means that the pre condition will have no coverage. However, all other conditions will have coverage under a moratorium type policy.
ALC Health plans are designed to be flexible
They allow you the freedom to pick and choose the cover you need at a price that suits your budget. They have no excess options which enable you to apply for residence in your country of choice. There are also a wide range of excess options that lower the cost of the policy. In summary ALC is great option if you travel widely or live between countries.
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