opportunitiesin international PMI

“ 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

Global Market and iPMI

there are estimated to be more than 300,000,000expatriates living and working worldwide

the IPMI market is estimated to be worth over

€3.2 billion1 in 5 companies fail to provide international cover for those of

their employees sent abroad for 6 or more months

Global Market and iPMI

Eastern EuropeScandinaviaFSU Countries

Middle East GulfSouth East AsiaHong Kong & China

CaribbeanCanada OBCentral & South America

iPMI Growth Markets

U K Hong Kong Singapore U A E U S A

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

Private Medical Treatment costs can vary enormously from one country to another

source : AXA PPP International

different because we care

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 . . .

E X P E R I E N C E

. . . 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 . . .

K N O W L E D G E

. . . 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.

S E RV I C E

security in an uncertain world

95 million clients worldwide

214, 391 employees

€ 91 billion euros annual revenue

AA- Standard & Poor's rating

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.

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

flexible benefits, tailored cover

Simplified pre-authorisation and online claims serviceOnline quotation in under 60 secondsFlexible core products Optional Benefits

• Routine Dental Treatment• Routine Pregnancy & Childbirth• Evacuation & Repatriation

No co-insurance applied to any benefitsNew joiners accepted up to age 74Dependant children accepted up to 25 yearsGuaranteed Group leaver optionsBlood Care Foundation membership included FREE with all ALC Prima plansALC World, the online global medical resource service

… 10 benefits that make a difference

ALC Prima plans 4 core plans24 benefit variations 8 excess choices 3 currency options 4 routine maternity options

Prima Premier - Prima Classic - Prima Ibérica - Prima Europa

P r i m a P r e m i e rOur most comprehensive plan offering in-patient and day-patient treatment with optional out-patient cover, pregnancy and childbirth, dental and evacuation and repatriation

P r i m a C l a s s i cA 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

P r i m a I b é r i c aDesigned 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

P r i m a E u r o p aA 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

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

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

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%

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

Claims & Managing Expectations

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

Online Claims Serviceenables your clients to

Online Claims and Support

Ask a Question

Claim Enquiry

Pre-authorise treatment 24/7

Upload and send claims

FAQ’s

Wire Transfer

ALC World

ALC Health Online

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 . . .

Your Own Sales Page

FREE 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

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

on-line advice & information

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.

because we carew e ’ r e d i ff e r e n t

Andrew AppsDirector

+44 7740 948975andrew.apps@alchealth.com