for expats in Germany
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ALC Global Insurance provides medical healthcare á la Carte...
ALC Health provides healthcare insurance cover for individual clients, their families and international companies from across the world. A range of flexible international health insurance plans reflect the lifestyle of modern expatriates, international travellers and global citizens.
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Global Health Classic Plan
Global Health Premier Plan
Global Health Platinum Plan
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As a country with one of the best healtcare system worldwide, the German requirements are not always easy to understand - especially for foreign immigrants. There are two different health insurance systems, both equally valid, but running in parallel. The public statutory health system and private health insurance
Private health insurance here is an insurance policy which covers the cost of private healthcare. It works in a similar way like any other insurance – you pay monthly or annual premiums, and your provider re-claims ome or all of the cost of the medical treatment you receive.
The public statutory health system is compareable to NHS in the UK for example. Premium depending on your income. As a member of the statutory system you own a membercard (EHIC) to confirm cover when you visit a medical provider like your GP or hosptial. The treatment cost will be billed and re.claimed directly. However you won´t have pay first and wait for reimbursement. As yo may expect the benefits are on a very low level of nessesary treatments.
We've teamed up to help you find your perfect cover - professional and without additional costs.
For over a decade ALC Health has been looking after and protecting the health of individuals, their families and international companies from across the world with a range of flexible and innovative international health insurance plans that reflect the lifestyle of today's expatriate international traveller and global citizen.
In 2017 à la carte healthcare Ltd. (ALC Health) was acquired by International Medical Group (IMG), an American leader in global benefits and assistance services.
ALC is an registered EAA-service provider within Europe based in Great Britain UK and authorized to provide cover to German and European residents.
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Chanctonforld Barn, Chanctonfold
Horsham Road, Steyning
West Sussex BN44 3AA UK
authorised & regulated by
the Financhal Conduct Authority
FCA register number 311496
ALC and IMG cover
more than 150.000 individuals
in nearly all countries worldwide.
It’s essential to do your research when you’re determining the most effective plan.
There are various deciding factors to consider when you select the bestt insurance plan: coverage, cost, which company to pick? LEt me guid you tthrough the jungel of requirements, benefits and premium plans.
A comprehensive range of flexible international plans let you choose more of what you want and less of what you don't.
Der low-cost Tarif Prima Concept von ALC was developed to offer a privat health insurance with balanced benefits for a cheap premium. The coverage option for evacuation and return from abroad is optional insurable.
The Tarif Prima Classic is a practical, international insurance tarif which assumes stationary, outpatient treatments. On top of that Prima Classic from ALC Health Insurance offers options for prenatal care, birth tastes as well as dental plan and professional teeth cleaning.
The Tarif PRIMA Premier is an traditional and comprehensive insurance tarif from the middle class of ALC Global Health. From outpatient to stationary Prima Premier offers international and balanced benefits:
Outpatient and stationary protection incl. dental plan.
The Prima Premier of ALC Health Insurance is the most chosen tarif of the clients from the offer at FinanzSchneiderei.
A plan with a amount of benefits and extensive medical treatments. With PRIMA Platinum you also have the option in five graduates to cover the routine-pregnancy, birth, routine and conservative dentristy, as well as evacuation and return.
|German Statutory Healthcare policy within meaning of the Section §193 VVG|
|Cover includes out-patient, dental and inpatient benefits||fulfilled|
|Max. excess of in- and outpatient cover less than 5.000 €||not guaranteed|
|Scope of benefits meet substitutive healthcare policy||partly fulfilled|
|Substitutive health insurance § 146 VAG|
|Premium includes saving reserves||not fulfilled|
No cancellation by provider due to non-payment
|Visa division for stays in the Schengen area|
|Cover in case of medical emergencies>30.000 EUR||fulfilled|
|Medical emergency coverage||fulfilled|
|Home country evacuation||fulfilled|
|Assistance in case of death||fulfilled|
If you are resident anywhere in the world other than Hong Kong or the EEA please use the forms below.
Because of a healthy emergency while I traveled around the world I contacted the FinanzSchneiderei from Hong Kong. They immediately approached the ALC and they took care of all necessary procedures with the hospital.
Julia K. from Berlin
The health insurance is one of my reliable partners and always provides me by questions proficient and symphatic.
Maximilian G. from Wiesbaden