ALC Health

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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 and is a managing agent for AXA PPP International, based in Tunbridge Wells, UK.

Until the end of 2014 all ALC claims were managed by AXA PPP, but as AXA PPP was also managing many of its own claims, ALC decided to give its own client claims better attention and appointed Healix International to provide global claims management and support.

Healix International are specialists in the field of global claims management, proven experts and independently accountable.

This was not the cheapest option as clearly ALC could have brought its claims in house but according to Stephen Godbold, Managing Director ALC Health, this was the better way provide "a comprehensive, award winning claims service that spans the globe, in any language, in any currency, every second of every day".

In a similar move to concentrating on its core competencies of selling and servicing, ALC has contracted with HTH Worldwide, a global health and safety services company, giving members access to HTH's contracted community of doctors and hospitals in 180 countries as well as HTH's proprietary mobile and online medical assistance tools. These services allow world travelers to search for and conveniently access top quality medical providers all around the world.

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 still heads the company and has chartered its worldwide expansion.

Sarah Jewell As a former expatriate who lived in Hong Kong, Sarah understands the day to day issues that many face when living in an unfamiliar environment. It is this experience and 'can do' attitude that has enabled Sarah and her team at ALC Health to deliver tailored healthcare solutions that meet her clients requirements no matter where in the world they may be living or working.

The name 'a la carte' was chosen because Sarah wanted to communicate her intention to give customers a high degree of say as to the cover that was important to them.

Sarah believes strongly that people should not be forced into taking overly comprehensive insurance.. not every man needs maternity cover, for example and not everyone thinks to intentionally visit the US for treatment.

The ALC motto is "We are different because we care" and this care is shown in ways like sending teddy bears to children born to parents insured with ALC, providing cell phone numbers of her senior executives who can be all be contacted 24/7 and in the event of serious accident, providing access to the Blood Care Foundation's fully screened blood.

The Blood Care Foundation, which operates a global network of blood banks, enables it to provide blood to almost any location in the world within 12 - 18 hours, subject to the availability of scheduled air services. Every courier is either an anaesthetist or paramedic, trained in cardio-pulmonary resuscitation and is capable of establishing a transfusion, even in a shocked patient.

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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:

Pre-existing conditions unless treatment and symptom free for a continuous 24 month period after being on cover for 2 years
Drugs and alcohol abuse
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.