ALC Health

What ALC Health does

ALC Health is a UK-rooted international private medical insurance (IPMI) provider operating as a trading name of International Medical Group Limited (IMG), itself part of the SiriusPoint group of companies. The company underwrites and distributes individual, family, and corporate-group health insurance products for expatriates, local nationals, international travellers, and specialised professions such as pilots and cabin crew across 140+ countries. Its product suite centres on the Global Prima Medical Insurance (GPMI) brand, offering modular plans (Prima Premier, Prima Platinum) with optional add-ons for out-patient, dental, maternity, and evacuation/repatriation coverage, plus the niche Flying Colours product for aviation professionals.

The underlying technology is the MyALC Member Center portal, which handles claims submission, pre-authorisation requests, secure messaging (including for sensitive financial and medical data), medical facility search, travel/security information, webchat activation, and SMS notifications, with member registration completed in under five minutes. Operations are FCA-regulated in the UK (reference 311496) for the UK entity and SFSA-regulated in Sweden (IMG Europe AB, reference 71922) with EEA passporting, the latter taking over EU administration from 1 February 2024 post-Brexit. Registered office is in Shoreham-By-Sea with UK establishment offices in Cardiff and an EU base in Stockholm.

ALC Health makes money through annual or multi-year recurring premiums on its subscription-based IPMI products, with revenue derived from underwriting margins and fees on premium pass-through. Pricing is quote-based rather than publicly disclosed, with identical premiums whether purchased direct or via an authorised broker. Go-to-market combines a regulated broker/intermediary channel, direct phone and online sales (with sub-60-second online quoting), WhatsApp-based customer support, and dedicated corporate group sales. Customer segments include individual expatriates and families (primary), corporate groups (primary), German self-employed freelancers (geographic specialty), and aviation professionals (specialty vertical).

Name

ALC Health

Legal name

International Medical Group Limited

Website

https://alchealth.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

ALC Health is a UK-based international private medical insurance provider, trading under International Medical Group and SiriusPoint, offering modular Prima and Flying Colours plans to expatriates, families, corporate groups, and aviation professionals across 140+ countries.

Ownership category

akta.pro rank

Product category

International Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International / Expatriate Group Health Plans (FSAIAFAJ)

akta.pro secondary industries

Off-Exchange Individual Major Medical Plans (FSAIAEAB), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

Keywords

• International health insurance
• Expatriate medical coverage
• Private medical insurance
• Group health insurance
• Travel medical insurance

Headquarters

HQ city

Steyning

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. International Health Insurance Premiums: Annual or multi-year recurring premiums for international medical insurance coverage including in-patient, day-patient, and out-patient treatment options. Plans include Prima Healthcare (Silver, Premier, Platinum) and Flying Colours for pilots and cabin crew.
2. Add-on Coverage Options: Optional additional coverage for routine pregnancy and childbirth care, dental treatment, and evacuation or repatriation services sold as add-ons to base plans

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

ALC Health sells annually renewable international private medical insurance plans (Prima Premier, Prima Platinum, and the specialist Flying Colours plan for pilots and cabin crew) covering in-patient, day-patient and optional out-patient treatment across 140+ countries. Plans are modular, with add-ons for dental, maternity, and evacuation/repatriation, sold directly to individuals/families and through brokers and group channels to corporate clients, with member servicing delivered via the MyALC online portal.

Product overview

ALC Health operates as a trading name of International Medical Group Limited and IMG Europe AB, offering international medical insurance under the Global Prima Medical Insurance (GPMI) brand. The product portfolio centers on Prima healthcare plans (Prima Premier, Prima Platinum) providing flexible coverage from low-cost local plans to comprehensive executive protection. Specialized offerings include Flying Colours for pilots and cabin crew. Member services are delivered through the MyALC online portal. Products cover individuals, families, groups, and corporate clients across 140+ countries worldwide.

Differentiator

Problem solved

Functional benefit

Brands

• Prima: International health insurance plans including Prima Premier, Prima Platinum offering in-patient, day-patient, out-patient treatment with optional add-ons
• MyALC
• Flying Colours
• Global Prima Medical Insurance

Products and services

• Global Prima Medical Insurance (GPMI) Flagship international health insurance product offering global medical coverage for expatriates, local nationals and international travellers, ranging from low-cost local cover to comprehensive executive protection with in-patient, out-patient, dental, maternity and evacuation modules.
• Prima Premier Traditional comprehensive Prima plan combining in-patient and day-patient treatment with optional add-ons for out-patient treatment, routine pregnancy and childbirth care, dental treatment, and evacuation or repatriation services.
• Prima Platinum Premium tier of the Prima healthcare plans offering the highest level of coverage and benefits within the GPMI portfolio, targeted at executives.
• Flying Colours Specialised international health insurance product designed specifically for pilots and cabin crew, available as a Bronze-tier plan and obtainable via application form submission.
• MyALC Member Center Online member portal enabling ALC Health policyholders to submit claims, access secure messaging, request pre-authorisation for treatment, search medical facilities, obtain travel and security information, and receive SMS notifications.

Quantifiable outcome

• Prima Premier plan rated 8/10 by Health Insurance Magazine product review
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Blood Care Foundation (BCF)minorStrategic or Co-development Partner · 29 June 2012Blood Care Foundation assists ALC Health policyholders by providing access to clean blood supplies during medical emergencies abroad. Example: assisted Philip Pain, a British student in Mexico who required blood supplies after a serious accident.
• International Medical Group (IMG)coreOthersALC Health is a trading name of International Medical Group Limited, part of IMG and SiriusPoint group of companies. IMG manages claims on behalf of ALC Health underwriters. Kevin Melton serves as Global Head of IPMI overseeing the IPMI segment including ALC Health products.
• IMG Europe ABcoreOthersTrading name of IMG Europe AB, a private limited company registered in Sweden (559405-0469), authorized and regulated by Swedish Financial Supervisory Authority (SFSA Reg: 71922) with passporting permissions throughout the EEA. Administers IMG's EU business from 1 February 2024.
• Regulated Independent BrokerscoreChannel Partner/ Reseller/ DistributorNetwork of regulated independent insurance brokers who provide free advice to customers, particularly in Germany where specialist knowledge of local regulations is required. All ALC Health plans cost the same whether through a broker or direct.
• International Medical Group, Inc. (IMG, Inc)coreOthersParent company headquartered at 9200 Keystone Crossing, Suite 800, Indianapolis, IN USA 46240. IMG, Inc provides the infrastructure, claims management, and operational support for ALC Health products globally.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Others

• Pacific Prime: Pacific Prime is a global insurance broker and employee benefits consultancy specialising in international health insurance placement for individuals and corporates. It is a relevant channel-side peer/comparator for ALC Health because it represents many of the same IPMI carriers (including IMG/ALC) when selling to brokers' clients.

Direct peers

• Bupa Global: Bupa Global is the international private medical insurance arm of Bupa, offering annually renewable individual, family, and corporate expatriate health plans across multiple regions. It is one of the most established direct competitors to ALC Health in the IPMI segment, particularly in the UK, Europe, and Middle East.
• GeoBlue: GeoBlue provides international health insurance and travel medical plans for expatriates, global travellers, and marine/aviation crews. Its specialised crew products overlap directly with ALC Health's Flying Colours aviation offering, making it a niche-relevant direct peer.
• William Russell: William Russell underwrites international health, life, and income protection insurance for individuals, families, and corporate groups, with a UK-headquartered operation focused on expatriates. It is a direct peer to ALC Health in modular IPMI distributed through brokers worldwide.
• Now Health International: Now Health International underwrites modular international health insurance plans for individuals, families, and SMEs, with strong digital onboarding. It is a direct peer to ALC Health in tiered IPMI products distributed through brokers across the Middle East, Asia, and Europe.
• AXA Global Healthcare: AXA Global Healthcare (part of AXA) underwrites individual and corporate international health insurance plans aimed at expatriates and globally mobile employees. It is a direct peer to ALC Health in tiered IPMI products distributed through brokers and direct channels in Europe and beyond.
• Allianz Care: Allianz Care offers international health and life insurance products for individuals, families, and corporate clients, with a strong footprint in Europe and global employer-sponsored plans. It is a direct peer to ALC Health in modular IPMI for expatriates and globally mobile employees.
• Cigna Global Health: Cigna Global Health provides international health insurance for individuals, families, and corporate groups, with modular plan tiers similar to ALC Health's Prima portfolio. It competes head-to-head in expatriate and multinational employer segments across Europe, Asia, and the Americas.
• Aetna International: Aetna International (part of CVS Health) provides expatriate health insurance and employer-sponsored international plans with modular benefit design. It is a direct competitor to ALC Health in the cross-border corporate and individual IPMI market.

Broad incumbents

• International Medical Group (IMG): International Medical Group is the SiriusPoint-owned parent/affiliate of ALC Health and operates its own global IPMI and travel medical insurance portfolio. As the broader incumbent brand under the same corporate umbrella, it competes with and provides infrastructure to ALC Health across the international health insurance market.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/alchealth
• Facebookfacebook.com/IMGinsurance
• LinkedInlinkedin.com/company/alc-healthcare

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ALC Health