Seeking health insurance through ALC Health will not only provide you with a wide range of affordable and comprehensive international cover against medical expenses but set you up with a plan approved for residing in Germany.

Further to this, they have their own 24/7 "in-house" claims team to assure swift settlements and assistance whenever needed, offering 8 toll-free numbers, including one for their customers living in Germany.

Why we would choose ALC Health…

When asked to cherry pick ALC Health’s unique selling points, it has always been a pleasure to assure our clients that ALC welcome applicants up to the age of 74 along with guaranting lifetime renewals without claim-related premium increases, regardless of the ailment during the customer's time with them.

Also, offering direct billing at private Helios clinics in Germany, worrying about settling invoices is a matter of the past too. And should an outpatient claim need to be submitted by the customer themselves, ALC provide a full-featured Customer Portal for quicker means of communication using webchat and swifter claim handling.

Lastly, arriving in Germany as an expat, assurances are key to settling in smoothly. Health insurance playing a crucial part, ALC Health's 'Global Prima Medical Insurance' plans are recognised at the German Foreigners' Office, therefore no nasty surprises of having purchased just travel insurance when applying for a resident/ 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 for which, within the 5 years prior to date of entry as shown on the Certificate of Insurance, the insured person:

   a) had experienced and or suffered from any signs or symptoms, whether investigated or not;
   b) had sought or received advice;
   c) had been recommended to have or had received medical treatment, including lifestyle changes and special diets, drugs,
       medication and injections; or
   d) to the best of the insured person's knowledge, was aware he/she had.

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) experienced and or suffered from any signs or symptoms, whether investigated or not;
   b) sought or received advice;
   c) been recommended to have or have received medical treatment, including lifestyle changes and special diets, drugs, medication and injections.

for that specific condition.

ALC Health in Germany

The majority of our clients in Germany insured by ALC Health are expats, freelancers, self-employed or students in major German cities like Aachen, Berlin, Cologne, Dusseldorf, Frankfurt, Hamburg, Munich, Stuttgart and from our experience remain insured with ALC as an international provider for as long as they are legally entitled to.

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

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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

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    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.

    You are an expat looking for health insurance in Germany? Click here!