ALC Health

ALC Health is a trading name of 'à la carte healthcare limited' (ALC) based in Steyning, West Sussex, UK. ALC is authorised and regulated by the Financial Conduct Authority FCA in the UK

As ALC is based outside Hong Kong, local law requires clients to complete a 'Notice to Client' form to confirm they understand they are dealing with an insurer not registered in Hong Kong.

The company was first formed in 2000 by Sarah Jewell (MBE), who sold the company to IMG - International Medical Group* in mid 2019.

International Medical Group

For nearly 30 years, International Medical Group (IMG), headquartered in Indianapolis, Indiana, U.S.A., has provided global insurance benefits and assistance services to millions of members in almost every country. IMG is committed to being there with its members to provide them with Global Peace of Mind® . IMG's full-service approach includes 24/7 worldwide assistance, medical management services, and highly trained, multilingual customer service professionals. IMG delivers the insurance products and assistance services members need, backed by the services they want.

For more details, contact Ms Romi Gill: romi.gill@navigator-insurance.com Tel +852 2530 2530

Click here for a Health Insurance quote request

ALC offers 4 levels of its 'PRIMA' international expatriate plan and one regional plan, called Prima Ibérica for residents of Portugal, Gibraltar or Spain.

PRIMA Platinum: as its name suggests, is ALC's high end plan most rich in benefits. PRIMA Platinum provides an extensive range of medical treatments with the option of five levels of:

  • routine pregnancy and childbirth care,
  • routine and restorative dental treatment and
  • evacuation or repatriation cover.

PRIMA Premier: a more traditional comprehensive plan combining in-patient & day-patient treatment with the option to add:

  • out-patient treatment,
  • routine pregnancy and childbirth care,
  • dental treatment and
  • evacuation or repatriation services.

PRIMA Classic: Covering the essential costs of in-patient, day-patient and out-patient treatment with the option to add:

  • routine pregnancy and childbirth care,
  • routine dental treatment and
  • evacuation or repatriation services.

PRIMA Concept: ALC's lowest cost plan designed to cover private medical insurance at an affordable price by offering essential private medical treatment with the option to include:

  • Evacuation or repatriation cover.

PRIMA Iberica: is an international medical insurance plan designed for anyone living in Portugal, Spain or Gibraltar. With a choice of flexible options which allow you to add routine pregnancy & childbirth care, routine dental treatment and evacuation benefits, you can create the cover to match your lifestyle at a price that matches your budget.

NOTE: if you are a UK national and have a European Health Insurance Card (EHIC) card, the cover Prima Iberica offers is only available if you normally reside in the UK and whilst in Spain on holiday or for a temporary stay. So, if you are a resident in Spain, then your EHIC will NOT cover the cost of your medical treatment in Spain.

Significant and unusual exclusions or limitations on all of these plans are as follow:

  1. Pre-existing conditions unless treatment and symptom free for a continuous 24 month period after being on cover for 2 years
  2. Drugs and alcohol abuse
  3. Birth Defects.. So if years later you are discovered with a hole in the heart since birth or come back condition of which can be traced back to originating at birth, you will have no cover.

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