Seeking cover with ALC Health you will not only purchase affordable global cover but also health insurance that is approved for your stay in Germany. Further to this, Global Response, their "in-house" claims-team assure swift claim-settlement and provide overall prompt customer-orientated service. This is attracting people from all over the world, availing themselves of a really ‘good value for money’ opportunity to cover constantly increasing medical expenses.
In just 2 minutes you can complete and submitt our aLC healthcare 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's Prima plans benefits and exclusions.
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 or specified related condition for which the insured person has received medical treatment, had symptoms or sought advice in the 5 years prior to the start of the policy are not covered.
After a continuous period of 2 years of insurance cover with áLC, any pre-existing conditions that were excluded will be insureable provided the insured person has not:
a) consulted a medical practitioner or specialist for medical treatment or advice; or
b) suffered symptoms; or
c) taken medication
for that specific condition.
Symptoms/ conditions that are generally excluded:
ALC's Prima plans list a total of 48 general exlusions, which can be found in their Policy Wording, pages 18 and 19. (link)
The following pre-existing conditions are not insurable
Arterial disease, cataract, diabetes, diabetic renal disease, diabetic retinopathy, ischaemic heart disease, stroke
The majority of our aLC clients in Germany are expats, freelancers, self-employed or students in major German cities like Aachen, Berlin, Cologne, Hamburg, Munich, Stuttgart, but also spread out across the nation.
Furthermore, ALC clients are able to sign up for mandatory German Long-Term-Care insurance, also know as "Pflegepflichtversicherung" (PVN). For more information on 'PVN' please follow this internal link.
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.