Home > ALC Healthcare - International Health Plan

ALC Healthcare - International Health Plan

Closed to new business customers

International Health Plan is available as a Fully Medically Underwritten, CPME Transfer or Medical History Disregarded Scheme dependant on group size profile etc. Please contact gareth.horton@alchealth.com for further information or a personailsed quotation

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Organ transplant
	£100,000 : €150,000 : US$150,000
Outside area of cover limit for USA / Canada
	Not covered
Prosthetic devices
	Full refund
Psychiatric treatment
	Limited to 30 days maximum each year
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
	Limited to £1,500 : €2,250: US$2,250 for registered Chiropractors, Osteopaths, Homeopaths & Acupuncturists
Diagnostic tests (excluding scans)
	Not covered
	Full refund
GP referred consultations
	Full refund
	Not covered
Physiotherapy consultant referred
	Not covered
	Limited to £2,000 : €3,000 : US$3,000
Physiotherapy GP referred
	Not covered
	Limited to £2,000 : €3,000 : US$3,000
Psychiatric cover
	Not covered
	Limited to £5,000 : €7,500 : US$7,500
Radiotherapy / Chemotherapy
	Not covered
	Full refund extended to include private ambulance charges
Scans - MRI / CT / PET
	Not covered
	Full refund
Surgical Procedures
	Full refund
	Not covered
Vaccinations administered by a medical practitioner
	Not covered
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	£100 : €150 : US$150 each night (up to maximum of 10 nights pa)
Nursing at home
	Full refund on Specialist recommendation (limited to 8 weeks for each condition and maximum of 26 weeks per year)
Parental accommodation
	Full refund (staying with a child under 18 years old)
Private ambulance
	Full refund
Additional Benefits
24 Hour emergency helpline
	Included
Accompanying relative travel & accomodation
	Not covered
AIDS / HIV treatment
	Not covered
Alcohol & drug abuse
	Not covered
Annual maximum limit
	Worldwide Including USA & Canada £1,000,000 : €1,500,000 : US$1,500,000
	Worldwide excluding USA & Canada £750,000 : €1,125,000 : US$1,125,000
	Area 1 Europe = £500,000 : €750,000 : US$750,000
Children covered
	Up to age 21
Chinese medicine
	Not covered
Chiropractors & Osteopaths
	Not covered
	Up to £1,500 : €2,250 : US$2,250 for Chiropractic, Osteopathic, Homeopathic & Acupuncture treatment
Chronic conditions & palliative care
	In-patient limited to £10,000 : €15,000 : US$15,000
	Out-patient = Nil
	Out-patient limited to £1,000 : €1,500 : US$1,500
Compassionate home visit
	Not covered
Cover for new born children
	Not covered
	Full refund for Cot and nursing charges for babies up to 6 months to stay with a mother who is admitted as an in-patient
Cremation / burial or repatriation of remains
	Not covered
	Limited to £5,000 : €7,500 : US$7,500
Dental treatment
	Not covered
Emergency medical evacuation & medical repatriation
	Not covered
	Full refund
Extended care facility
	Not covered
Health Screening
	Not covered
Hormone replacement therapy
	Not covered
	Full refund
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Organ Transplants
	£100,000 : €150,000 : US$150,000
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Policy excess
	Standard Policy Excess of £50 : €75 : US$90 each medical condition for out-patient treatment only
Pre-existing conditions
	Not covered
Pregnancy complications
	Not covered
	Limited to £10,000 : €18,000 : US$18,000
Presciption drugs, dressings and medicines
	Not covered
	Full refund
Rehabilitation
	Not covered
Routine maternity cover
	Not covered
	Limited to £5,000 : €7,500 : US$7,500
Sight / vision benefit
	Not covered
Stabilisation of acute chronic episode
	Not covered
	Full refund limited to £1,000 : €1,500 : US$1,500
Well Baby Examination
	Not covered
	Full refund cost of Paediatrician for the first examination of a newborn baby with 24 hours of delivery

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full refund

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Organ transplant

£100,000 : €150,000 : US$150,000

Outside area of cover limit for USA / Canada

Not covered

Prosthetic devices

Full refund

Psychiatric treatment

Limited to 30 days maximum each year

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Limited to £1,500 : €2,250: US$2,250 for registered Chiropractors, Osteopaths, Homeopaths & Acupuncturists

Diagnostic tests (excluding scans)

Not covered

Full refund

GP referred consultations

Full refund

Not covered

Physiotherapy consultant referred

Not covered

Limited to £2,000 : €3,000 : US$3,000

Physiotherapy GP referred

Not covered

Limited to £2,000 : €3,000 : US$3,000

Psychiatric cover

Not covered

Limited to £5,000 : €7,500 : US$7,500

Radiotherapy / Chemotherapy

Not covered

Full refund extended to include private ambulance charges

Scans - MRI / CT / PET

Not covered

Full refund

Surgical Procedures

Full refund

Not covered

Vaccinations administered by a medical practitioner

Not covered

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

£100 : €150 : US$150 each night (up to maximum of 10 nights pa)

Nursing at home

Full refund on Specialist recommendation (limited to 8 weeks for each condition and maximum of 26 weeks per year)

Parental accommodation

Full refund (staying with a child under 18 years old)

Private ambulance

Full refund

Additional Benefits

24 Hour emergency helpline

Included

Accompanying relative travel & accomodation

Not covered

AIDS / HIV treatment

Not covered

Alcohol & drug abuse

Not covered

Annual maximum limit

Worldwide Including USA & Canada £1,000,000 : €1,500,000 : US$1,500,000

Worldwide excluding USA & Canada £750,000 : €1,125,000 : US$1,125,000

Area 1 Europe = £500,000 : €750,000 : US$750,000

Children covered

Up to age 21

Chinese medicine

Not covered

Chiropractors & Osteopaths

Not covered

Up to £1,500 : €2,250 : US$2,250 for Chiropractic, Osteopathic, Homeopathic & Acupuncture treatment

Chronic conditions & palliative care

In-patient limited to £10,000 : €15,000 : US$15,000

Out-patient = Nil

Out-patient limited to £1,000 : €1,500 : US$1,500

Compassionate home visit

Not covered

Cover for new born children

Not covered

Full refund for Cot and nursing charges for babies up to 6 months to stay with a mother who is admitted as an in-patient

Cremation / burial or repatriation of remains

Not covered

Limited to £5,000 : €7,500 : US$7,500

Dental treatment

Not covered

Emergency medical evacuation & medical repatriation

Not covered

Full refund

Extended care facility

Not covered

Health Screening

Not covered

Hormone replacement therapy

Not covered

Full refund

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Organ Transplants

£100,000 : €150,000 : US$150,000

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Policy excess

Standard Policy Excess of £50 : €75 : US$90 each medical condition for out-patient treatment only

Pre-existing conditions

Not covered

Pregnancy complications

Not covered

Limited to £10,000 : €18,000 : US$18,000

Presciption drugs, dressings and medicines

Not covered

Full refund

Rehabilitation

Not covered

Routine maternity cover

Not covered

Limited to £5,000 : €7,500 : US$7,500

Sight / vision benefit

Not covered

Stabilisation of acute chronic episode

Not covered

Full refund limited to £1,000 : €1,500 : US$1,500

Well Baby Examination

Not covered

Full refund cost of Paediatrician for the first examination of a newborn baby with 24 hours of delivery


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