This plan is a new standalone international medical insurance plan aimed at people working in the music industry, media and the performing arts.
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
- emergency medical evacuation cover.
The plan is available both to expats and to local nationals (including those living in the UK) who want comprehensive cover at home and overseas.
Plans also include free membership of the Blood Care Foundation. This service provides screened blood for emergencies worldwide. All plans also include free membership of ALC World, which is ALC Health’s online information and contact details resource for customers.
Most of the benefits included are on a full refund basis, although psychiatric care is limited to 30 days a year and there are limits on chronic care, organ transplants, and post-operative cover. Some out-patient treatments, including physiotherapy and alternative therapies are also limited, as is dental treatment. But HIV is covered, as are hazardous pursuits and treatment necessary as a result of being injured while a bystander.
Plans include evacuation and repatriation, but pregnancy and childbirth treatment is only available as an additional cost add-on.
ALC Health customers can be treated at any public or private hospital or clinic (and by any doctor) worldwide.
We have not seen pricing but would expect prices to be higher than conventional IPMI plans but to undercut the rates other insurers may charge individuals in the industries concerned.
What They Say
ALC Health director Andrew Apps said: “Anyone working in the music industry, media or performing arts will already know the difficulties that often have to be faced when trying to get insurance at an affordable price. For more than a decade ALC Health has been looking after the health of VIPs and celebrities and it is this extensive experience that has allowed us to create a new dedicated programme for those working in these industries.”
What We Say
"This is quite a niche market but an important one nevertheless for those working in it who need health cover. The plan can be tailored to particular needs and may appeal too to UK based individuals who spend some time working outside the UK. Risks can be higher for such individuals, so don’t expect rock bottom pricing – and shopping around is always a sensible strategy anyway."