ALC Health Medmedia
ALC Health’s new standalone international medical insurance plan is aimed at people working in the music industry, media and the performing arts. This plan is underwritten by Allianz Worldwide Care.
The plan has an overall annual limit of £2m and includes as standard hospital accommodation; specialist care; family doctor services and nursing; dental treatment; chronic illness care; health screening; optical care and emergency medical evacuation cover.
The plan is available to expats and local nationals (including those living in the UK) who want comprehensive cover at home and overseas ALC says.
Also included is free membership of the Blood Care Foundation, which provides screened blood for emergencies worldwide. There is also free membership of ALC World, ALC’s online information and contact details resource for customers.
Most benefits are full refund, although psychiatric care is limited to 30 days a year and there are also limits on chronic care, organ transplants, and post-operative cover. Some out-patient treatments, such as physiotherapy and alternative therapies are also limited, as is dental treatment. However, HIV is covered as are hazardous pursuits and treatment necessary as a result of being a bystander.
Evacuation and repatriation is included but pregnancy/childbirth is an optional add-on.
Customers can be treated at any public or private hospital or clinic (and by any doctor) worldwide.
ALC says it has over a decade of experience looking after the health of VIPs and celebrities and that its prices are affordable.
Plus points: Experienced IPMI provider offering a plan tailor-made to artistes’ needs; Good level of cover and complete choice of where to be treated; The only add-on is pregnancy and childbirth, which many artistes and media types will not want anyway; The plan may appeal not just to expats and overseas nationals but also to UK based performers who may (or indeed may not) also work outside the UK too.
Not so plus points: Some benefit restrictions; May be more expensive than other IPMI cover, given the nature of the risk; Pregnancy/childbirth cover costs extra.
Website: http://www.alcmedmedia.co.uk.
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