Global Health insurance for expatraites and international citizens

1. opportunities
in international PMI

2. Global Market and iPMI
“ The demand for iPMI, as opposed to domestic policies is being
driven largely by the globalisation of business, as both large
multinationals and small-to-medium sized -companies continue
to take advantage of opportunities overseas. ”
COVER Magazine
March 2012

3. Global Market and iPMI
there are estimated to be more than 300,000,000
expatriates living and working worldwide
the IPMI market is estimated to be worth over
€3.2 billion
1 in 5 companies fail to provide international cover for those of
their employees sent abroad for 6 or more months

4. iPMI Growth Markets
Caribbean Eastern Europe Middle East Gulf
Canada OB Scandinavia South East Asia
Central & South America FSU Countries Hong Kong & China

5. Private Medical Treatment
costs can vary enormously from one country to another
UK Hong Kong Singapore UAE USA
Septoplasty of the Nose £2,300 £9,700 £9,000 £5,600 £6,300
Caesarean Delivery £6,100 £12,200 £7,400 £4,000 £7,200
Primary Hernia Inguinal Repair £2,000 £10,300 £7,100 £2,700 £8,800
Cataract Removal £2,000 £2,800 £2,500 £3,000 £2,000
Diagnostic Colonoscopy £1,500 £2,400 £1,700 £1,000 £3,800
Removal of an Impacted Tooth £800 £500 £1,000 £300 £1,700
source : AXA PPP International

6. different because we care

7. For more than a decade ALC Health has
been looking after the international
medical insurance needs of our members
by bringing together a range of high
quality, value added solutions that
combine the highest level of service on a
very personal level . . .
EXPERIENCE

8. . . . we have the experience and industry
knowledge that enables us to offer you
and your clients the level of support that
few other international insurers can only
match . . .
KNOWLEDGE

9. . . . and with an enviable reputation for a
caring, responsive approach to
customer care and service delivery, we
believe we offer the iPMI proposition
that’s right for your clients.
SERVICE

10. security in an uncertain world
Underwritten by one of the largest, most experienced private medical
insurance providers in the UK, the company has been helping people to access
medical care for over 70 years with a history stretching back to the 18th
Century.
95 million clients worldwide
214, 391 employees
€ 91 billion euros annual revenue
AA- Standard & Poor's rating

11. flexible benefits, tailored cover
 individual and corporate plans that may be tailored to match the
needs of each client . .
 by person
 by area
 by currency
 choose different benefits for each family member
 extensive choice of excess options starting at ‘nil’
 simple, straight forward and easy to follow application process
 choice of electronic or hardcopy documentation
 payment cycles to suit your clients
 group leaver options

12. … 10 benefits that make a difference
Simplified pre-authorisation and online claims service
Online quotation in under 60 seconds
Flexible core products
Optional Benefits
• Routine Dental Treatment
• Routine Pregnancy & Childbirth
• Evacuation & Repatriation
No co-insurance applied to any benefits
New joiners accepted up to age 74
Dependant children accepted up to 25 years
Guaranteed Group leaver options
Blood Care Foundation membership included FREE with all ALC Prima plans
ALC World, the online global medical resource service

13. ALC Prima plans
4 core plans
24 benefit variations
8 excess choices
3 currency options
4 routine maternity options
Prima Premier - Prima Classic - Prima Ibérica - Prima Europa

14. Prima Premier
Our most comprehensive plan offering in-patient and day-patient treatment
with optional out-patient cover, pregnancy and childbirth, dental and
evacuation and repatriation
Prima Classic
A more traditional healthcare plan covering the essential cost of private
medical treatment with in-patient, day-patient and out-patient benefit as
standard including optical cover
Prima Ibérica
Designed for individuals living in Gibraltar, Portugal or Spain offering the
same benefits as Prima Classic but reflecting the lower cost of treatment
within the region
Prima Europa
A simple, low cost plan for anyone living and working within the EU covering
the basic necessities of medical insurance and designed to complement your
local healthcare system

15. making a difference
hazardous activities (non professional)
innocent bystander cover
AIDS &HIV
complications of pregnancy
children included up to 25 years
age at entry up to 74 years
blood care foundation membership
ALC World online support
groups discounts from 4 employees
three currency options
optional routine maternity & dental
evacuation includes repatriation

16. Underwriting options
Moratorium
• Pre-existing conditions known up to five years prior to cover inception excluded
• Continuous two year treatment free period as an insured policyholder required
• Certain medical conditions may be excluded permanently
Continued Personal Medical Exclusions
• Offered to those transferring from a ‘similar’ competitor programme where current
underwriting terms are followed but subject to ALC Health general terms and
conditions
Medical Histories Disregarded
• Pre-existing medical conditions covered subject to the approval of a group health
declaration

17. Excess options
Any excess chosen is applied per person per policy period and not per medical condition. Any
excess option chosen applies only to in-patient and out-patient treatment and does not apply
to routine pregnancy, routine dental and/or evacuation/repatriation covers
£ GBP Euro USD Load/Discount
Nil Nil Nil +14%
£50 €60 $75 +7%
£150 €180 $225 STANDARD
£300 €360 $450 -10%
£500 €600 $750 -20%
£1,000 €1,200 $1,500 -30%
£5,000 €6,000 $7,500 -40%

18. ALC Health Group leaver guarantee
Where an existing ALC group plan member wishes to continue their cove, we offer
a guarantee of cover.
Transfers are assumed to be within the same plan. Where a higher level of cover is
sought, referral to underwriters may be required and where some restrictions may be applied

19. Claims & Managing
Expectations

20. Online Claims Service
enables your clients to
o find out whether their policy covers the treatment they need
o find out where they can receive the best treatment closest to them
o pre-authorise their treatment and arrange for settlement of their
medical bills directly to their medical provider
o arrange for a wire transfer into their bank account for those claims that
they may have already settled
o find answers to those frequently asked questions

21. Online Claims and Support
Ask a Question
Claim Enquiry
Pre-authorise treatment 24/7
Upload and send claims
FAQ’s
Wire Transfer
ALC World

22. ALC Health Online

24. Your Own Sales Page
We will create for your business a separate dedicated sales web landing pages providing
a central source from which to downloadable documents, obtain individual
quotations, access to our buy now service , Blood Care Foundation, ALC World and
more . . .

25. F R E E dedicated web
site for your corporate
clients (+10)
 Tailored to your clients design
 Direct access to online claims services
 Tips and hints on making a claim
 Group plan benefit and policy wording
 ALC World access
 Global medical facilities directory
 Contact information
 Emergency information

26. on-line advice
& information
Doctor Search and Medical Facility
CityHealth®
Security Profiles
Health and Security News
Drug Translation
Medical Term and Phrase Translation
Travel Healthy
Global Medical Blog
Password protected
www.alchealth.com/alcworld

27. Helping you to protect your
clients against infectious
diseases
How do you know that when one of your
clients requires an emergency blood
transfusion that the blood being sourced has
been thoroughly screened ?
With ALC Health, your clients are automatically
protected by the Blood Care Foundation ensuring
sufficient blood supplies, screened against
transmissible infections, including HIV and other
infectious agents are sourced and delivered no matter
where in the world it may be needed.

28. we’re different
because we care

29. Andrew Apps
Director
+44 7740 948975
andrew.apps@alchealth.com