Health Insurance

We care about the health and overall wellbeing of our students and all ALU students are therefore required to maintain an adequate health insurance plan for the duration of their enrollment with ALU. A big part of feeling settled in a new country or new environment is knowing how to take care of your health.

ALU’s medical system is designed such that students are empowered to take care of their health and have real world experiences by engaging directly with medical practitioners and the insurance company. The Student Life team is also available to support students. For any questions about health insurance or medical health you can email medical@alueducation.com.

Please find below information pertaining to health insurance at ALC Mauritius and ALU Rwanda:

Health Insurance ALU Rwanda


Self Cover

Health insurance is mandatory for all students attending ALU Rwanda. Students may opt for their own provider in Rwanda, or choose to remain on their personal or family health insurance plan. In either case, the policy absolutely must cover the following:

  • Repatriation in case of death
  • Catastrophe/emergency cover and in the event that major surgery is required
  • Out-patient cover i.e. check-up or consultation

Students must submit a copy of their policy to the Admissions office prior to arrival on campus. ALU will not be responsible for any costs not covered by student’s personal health insurance policy.

 

Health Insurance ALC Mauritius


Linkham Health is ALC’s Health Insurance partner in Mauritius.  ALC makes use of Linkham’s Option 1 and Catastrophe Level 2 insurance, which we believe offers sufficient protection for our students. The policy also extends outside of Mauritius, which means students will be covered when they return home for holidays and when they travel outside of their home country or Mauritius during annual internships.

Linkham Insurance Cover at a Glance:

  • In-patient treatments
    • 100% insurance cover
    • Some clinics will claim your insurance directly
    • Medical and surgical cover up to Rs 50,000 per illness/accident
    • Rs 1000 for every day a patient stays at a public hospital
  • Out-patient treatments
    • In most cases, you need to pay upfront and claim your insurance
    • 80% cover for outpatient treatments. The remaining 20% must be paid directly out of pocket and cannot be claimed.
    • Rs 6000 cover for optical care
    • Rs 5000 cover for dental care
    • Rs 1000 worth of preventive care
  • Catastrophe Cover
    • Air ticket and hotel accommodation for treatment unavailable in Mauritius
    • Emergency evacuation
    • Repatriation of mortal remains
    • Disablement

Please read the master policy for definitions, terms, conditions and exclusions of the insurance cover. The schedule of benefits table provides important information on the limits of the cover.

Self Cover

Students may choose to remain on their personal or family health insurance plan. In this case, the policy absolutely must cover the following:

  • Repatriation in case of death
  • Catastrophe/emergency cover and in the event that major surgery is required
  • Out-patient cover i.e. check-up or consultation

Students must submit a copy of their policy to the Admissions office prior to arrival on campus. If the policy does not cover the abovementioned items, and students cannot obtain such coverage in their home country, then students must enroll in the ALC student medical insurance provided by Linkham. ALU will not be responsible for any costs not covered by student’s personal health insurance policy.

How to Claim

Insurance claims can be made by filling out a claim form and sending it directly to the insurance company. The submission must be accompanied by receipts, medical reports and prescriptions, where relevant. Settlement of claims takes between 10-15 working days. Insurance claims must to be made within 90 days.

ALC Medical Fund

If students are not able to pay for the full out-patient consultation amount they have the option to borrow from the ALC medical fund until the money from the insurance claim is received. Students can borrow up to Rs 3,000. This amount will be added to your student’s account and must be reimbursed in full within 6 weeks.

Healthcare in Mauritius

There are two types of healthcare facilities in Mauritius. Both public and private healthcare offer adequate medical services for all types of needs.

  • Public healthcare

    Public healthcare in Mauritius is free for everyone residing in Mauritius. The closest public hospital is SSR National Hospital, located at Pamplemousses, a 20-minutes walk from Beau Plan or a bus ride from Grand Baie. The hospital operates on a drop-in system and requires the presentation of a passport and student residence card before providing treatment

  • Private healthcare

    Private healthcare, both in- and out-patient care is provided by private hospitals or clinics where insurance companies will bear the cost of treatment if admitted.

    • Paid medical care
    • Claimable from insurance company
    • Cashless treatment with certain service providers