Transforming Lives in Europe Since 2008

Our mission: to assist those with dreams of making Europe their home, whether it’s for a brief sojourn or a lifelong adventure.

In the wake of the 2008 financial crisis, many individuals found themselves at a crossroads, seeking fresh beginnings. Like so many others, we, as foreign residents, embarked on a journey to establish new lives in the vibrant landscapes of Europe. And to this day, we haven’t looked back! This marked the inception of our company and over the past decade, we’ve carved an impressive legacy, providing top-tier European health insurance solutions for expats hailing from all corners of the globe.

A Decade of Excellence in Expatriate Health Care

With an unwavering commitment to quality, has extended a helping hand to thousands of families and over ten thousand individuals in securing comprehensive expat health coverage. Through the years, we've amassed a profound understanding of how to swiftly and efficiently deliver the finest insurance solutions, all at competitive rates tailored to your unique needs.

Navigating the Complex Landscape

We recognize that our clients are often confronted with the bewildering complexity of health insurance choices, where selecting the right provider can feel like navigating a maze. Over the past decade, we've derived immense satisfaction from furnishing expat health coverage to both long-standing European residents and the countless individuals seeking visas and residency status.

Personalized Service, Lasting Relationships

Despite our growth, we've steadfastly upheld a personalized approach in serving all our clients. Our diverse range of plans caters to individuals, international students embarking on educational journeys in Europe, families charting paths for living and working in this captivating continent, and companies seeking to establish or expand their corporate footprint on European soil.

Europe's Health Care Excellence

What many may not be aware of is that in 2017, Europe ranked an impressive eighth globally for the quality of its healthcare. According to the Healthcare Access and Quality Index (HAQ), which evaluated healthcare quality across 195 countries by studying mortality rates from treatable medical conditions, Europe achieved a remarkable score of 90 out of 100.

This positioning places Europe ahead of healthcare systems in Italy (89), France (88), Greece (87), Germany (86), the UK (85), and Portugal (85). In this analysis, the UK claimed the 30th spot, and the US followed at 35th place. 

When you couple Europe's quality healthcare with MEDICALINSURANCEFOREXPATS.COM health coverage and the continent's diverse cultures and lifestyles, it's clear why Europe stands out as one of the premier destinations to settle, live, work, and relish life to the fullest.

Introduction to our plans and underwriting terms

At ALC/IMG Health, we offer a comprehensive range of Global Prima Medical Insurance plans tailored for both individuals and businesses across Europe. Our plans provide flexibility in terms of underwriting options, areas of coverage, and benefits, ensuring you get the right insurance solution to meet your needs.

Understanding Your Underwriting Options

When you apply for a policy with ALC Health, it's essential to choose the underwriting terms that suit you best.
We offer several options:

Full Medical Underwriting (FMU):

  • With FMU, we request your complete medical history.
  • Based on the information you provide, we'll determine the terms and any exclusions applicable to your coverage.
  • You can then make an informed decision on whether to proceed with the policy.

Moratorium (MORI): RECOMMENDED

  • MORI requires minimal medical information during the application.
  • We won't cover treatment for pre-existing medical conditions you had in the five years before joining the plan.
  • After two continuous years on the policy without specific conditions, your pre-existing conditions may become eligible for cover.
Note:

Some conditions that continue or recur frequently may never be eligible for cover due to ongoing medical advice or medication requirements.

At ALC /IMG Health, we prioritize your health and well-being. Explore our range of Global Prima Medical Insurance plans and choose the underwriting terms that best align with your needs. For more details, please refer to our Policy Wording or reach out to us for personalized assistance.