1. Your wisest global medical insurance choice
Contact details:
GlobalHealth Asia Limited
1401-3 Chinachem Hollywood Centre
1-13 Hollywood Road
Central
Hong Kong, SAR, China
Tel: (852) 2526 0505
Fax: (852) 2526 0769
E-mail: globalhealth@globalhealthasia.com
www.globalhealthasia.com
www.pallasglobalhealth.com

2. Notes:
At this time policy not available to
residents of North America.
Policies always subject to local
laws and taxes.
All amounts in this brochure
are depicted in United States
Dollars (US$).
Enrollment Related
Questions
Q: How long does it take to
issue a policy?
A: The usual issuing time for a
new Pallas GlobalHealth policy
and card issuance is five
working days.
Q: Where can I obtain an
Application Form?
A: Application forms may be
downloaded, or you may
apply online, at:
www.pallasglobalhealth.com
Claims Related
Questions
Q: Is it possible for GlobalHealth
Asia to pay the medical
provider directly?
A: Yes, in many cases
GlobalHealth Asia can arrange
to pay the provider directly,
both for out-patient treatments
and hospitalization.
Q: How long will it take to pay
my claim?
A: Provided full information is
received, the usual turnaround
time for standard claims is
five working days.
Q: Where is my claim
processing center?
A: Your claims are processed
in Hong Kong.
19

3. Pallas GlobalHealth
Pallas GlobalHealth is a
comprehensive, global
medical insurance plan
with extraordinary high
coverage and the
greatest freedom of
personal choice.
With unequalled global coverage
and superior benefits, Pallas
GlobalHealth provides you with
the highest annual maximum
coverage against major medical
expenses – anywhere in the world,
any time.
Plus, you are guaranteed lifetime
renewals, even if you move to
another city or country… and even
if you ever have high claims over
the course of a policy year.
Pallas GlobalHealth is underwritten
by Liberty International Insurance
Limited (Hong Kong), a subsidiary
of Liberty Mutual Group. Boston-
based Liberty Mutual Group is the
sixth-largest property and casualty
insurer in the United States and
the second-largest U.S.-based
international property and
casualty insurer.
All Pallas GlobalHealth policies are
managed and administered by
GlobalHealth Asia, a Hong Kong
based firm formed in 1997 by
a dedicated team of insurance
professionals with over 25 years
of experience in international
and health care management.
The customer first philosophy
of GlobalHealth Asia results in
industry leading service being
provided to all Pallas GlobalHealth
policy holders. And, as a
GlobalHealth Asia customer,
you will enjoy industry leading
service from your own dedicated
Customer Relationship Manager.
All this combines to make Pallas
GlobalHealth your wisest global
medical insurance choice and the
only medical insurance you will
ever need for you and your family.
3

4. Pallas GlobalHealth is a
premier global medical
insurance plan that
provides you with the
greatest freedom of
choices and options.
4

5. Policy choices – you can choose
from a range of policy options to
suit the particular needs of you
and your family.
Deductible choices – you can
select the annual deductible level
you feel most comfortable with.
Deductible options are Nil, $500,
$1,500 and $5,000.
Live anywhere – your Pallas
GlobalHealth plan enables you
to relocate and live anywhere in
the world. So you don’t have to
seek out new medical insurance
just because you have moved!
Choice of medical practitioners –
unlike other insurance providers,
we do not dictate which doctors
and medical professionals you
must use. After all, selection of
a medical practitioner is a highly
personal decision. We leave this
choice totally up to you – as it
should be!
Free Medical Second Opinion
Benefit – sometimes it is best to
seek a second medical opinion
for a medical diagnosis, a
recommended medical treatment
or a planned medical procedure.
We provide you with a free written
Medical Second Opinion so that
you can evaluate all your options.
You can choose to obtain a free
Medical Second Opinion from a
list of the world’s leading medical
centers, including the Mayo Clinic,
Harvard Medical School and
London’s King’s College Hospital.
Freedom from worry – like most
people, you probably worry
what would happen to your
family if you had to face severe
financial hardships in obtaining
treatment for a major medical
problem, illness or injury. With
Pallas GlobalHealth, your worries
are over with coverage up to
US$2 million and full coverage
of most major medical expenses.
Freedom from multiple policies –
now there is no need to purchase
multiple medical insurance policies
from one or more providers, just
to get the coverage you want or
need. With Pallas GlobalHealth,
everything you could want comes
in one, comprehensive policy.
Greatest Freedom
of Personal Choice
5

6. Highest Annual
Maximum Coverage.
Worldwide.
Pallas GlobalHealth
provides extraordinary
high medical coverage
for you and your family…
up to US$2 million.
Most importantly, other than your
self-selected deductible amount,
almost all your medical costs will
be fully covered, unless stipulated
below, including:
Hospital and
Out-patient Surgery
• Room and board for
private room
• Parental accommodation
• Intensive care
• Emergency Room treatment
• Surgeon fees
• Anesthetist fees
• Dialysis
• Professional fees
• Other medical expenses
(operating theatre fees, x-rays,
blood work, etc.)
Hospital Cash Benefit
• $100 per night for a maximum
of 60 days per policy year if
treatment is received free of
charge to help cover your
incidental hospital expenses
Pregnancy and
New Borns
• Complications arising
from pregnancy
• Coverage of birth defects and
congenital conditions at birth
Private & Home
Nursing
• Private nursing in Hospital
when certified necessary by
an attending physician
• Home nursing if prescribed by
attending physician ($135 per
day for maximum of 40 days
per policy year)
Organ Transplant
• $300,000 per transplant
(only human organs,
procurement must be
pre-approved by company)
Local Ambulance
• Local ambulance transportation
to hospital
6

7. Rehabilitation
• $355 per day for a maximum
of 90 days per illness for
medically prescribed
rehabilitation connected to
treatment at an authorized
rehabilitation center.
Emergency Dental
Treatment
• All emergency dental
treatment received due to
a serious accident requiring
hospitalization.
Medical Second
Opinions
• Free, written evaluations of
diagnosis and course of
treatment
• Obtained from leading
medical centers worldwide
• Received within 10 days of
submission of all relevant
medical records and test results
• One Medical Second Opinion
per year for a particular
Qualifying Medical Condition
• Pre-existing medical
conditions excluded
7

8. Superior Benefits.
Lasting a Lifetime.
When you purchase
a Pallas GlobalHealth
policy, we want you to
become a customer
for life. That’s why
we offer a lifetime
renewal guarantee.
Thus, no matter how large your
claims may be during any policy
year, you will always have the
opportunity to renew your Pallas
GlobalHealth plan at prevailing
rates. Unlike other insurance
companies, we will not drop
you as a customer due to your
claims rate.
This also means that with Pallas
GlobalHealth you will have lifetime
coverage, even for chronically
ill conditions that require years
of treatment.
Live anywhere
With Pallas GlobalHealth, your
medical insurance travels with
you anywhere you go, whether
it’s on holiday or a relocation
move to another city or country.
With most medical insurance
policies, your coverage ends when
you move from one locale to
another. We don’t believe such
restrictions meet the needs of
today’s global citizens. So you can
keep your Pallas GlobalHealth
medical insurance, even if you
move halfway across the globe!
8

9. Worldwide coverage
With Pallas GlobalHealth, you
are covered around the world,
anywhere your travels take you.
Also, you may elect to have
medical treatment in a country
outside your place of residence.
Unlike policies that are restricted
to the country of origin,
Pallas GlobalHealth is a truly
global product.
Pre-existing conditions
Your Pallas GlobalHealth policy
covers many pre-existing
conditions, subject to prior
disclosure and acceptance.
We make every attempt to
secure coverage of pre-existing
conditions for you from the Pallas
GlobalHealth underwriters.
Once pre-existing conditions are
approved, there are no waiting
periods after joining before
becoming eligible for coverage
and no pre-insurance medical
check-ups are usually required.
24-hour emergency
services
In case of a medical emergency
outside business hours, you may
call our 24-hour emergency
service and evacuation provider
for immediate assistance.
Our emergency service provider
has direct access to a worldwide
network of healthcare
professionals and facilities and
will assist you in making
arrangements with the nearest
and most appropriate
emergency care provider.
Second Opinions
Your Pallas GlobalHealth policy
provides you with the opportunity
to receive a free Medical Second
Opinion for any serious illness or
serious medical procedure.
Mediguide will help you select the
most appropriate knowledge
center from the list of over 50
world leading medical centers
located in North America,
Asia and Europe to evaluate
your medical diagnosis and
recommended course
of treatment.
Direct payments
We can arrange to make direct
payments to your medical
practitioner, hospital or other
medical service provider. Your
dedicated Customer Relationship
Manager or our Member Care
staff will gladly help you to make
these arrangements in advance
of your medical treatment.
9

10. The last thing a new
mom and dad wants to
worry about is getting
their new addition to
the family included in
their insurance policy.
That’s why we make this automatic
for all Pallas GlobalHealth family
policies – your new daughter or
son enjoys the same medical
insurance coverage as you, from
the moment they are born,
provided your child’s birth occurs
12 months after your policy has
been in force, and provided the
pregnancy was not assisted,
such as through the use of
fertility drugs.
If your child is born during the
initial 12 months of insurance
coverage, the cover available for
the newborn child during this
period will match the benefits
available to the mother at the time
of the child’s birth, but will exclude
cover for disabilities which start
within 15 days of birth or for
special care or treatment for
a congenital condition, birth
anomalies or premature birth.
All you need to do to enjoy the
automatic coverage of your new
born is complete an “Addition of
New Born” form and pay the
relevant premium within 15 days
of birth.
It’s our way of welcoming your
newest addition into your family,
and ours.
Automatic coverage
upon birth
10

11. Industry Service Leader
Based in Hong Kong,
with clientele spread
across numerous
markets, GlobalHealth
Asia understands our
customers’ needs
for superior and
prompt service.
That’s why we provide each
customer with a dedicated
Customer Relationship Manager
to attend to your personal needs
and concerns.
Your Customer Relationship
Manager is supported by our
highly trained and friendly service
representatives in our Hong Kong
Call Center, and are available
during normal business hours
at (852) 2526 0505.
Online Member Care
You have secure access to your
policy details at all times through
our Online Member Care service
at www.pallasglobalhealth.com,
so you can check on your policy
whenever it is most convenient
for you.
You can also use the Online
Member Care service to check
the status of your claims and
download useful documents
and forms.
Easy to sign up.
Easy to understand.
It is easy to sign up for your Pallas
GlobalHealth policy. Application
forms are available for download
and the latest tables showing all
your choices and options are
readily available.
We believe that your purchase of
a Pallas GlobalHealth policy is just
the start of a long term, beneficial
relationship. Our goal is to reward
you for this relationship with
friendly, flexible and industry
leading levels of customer service.
11

12. Details of the Plan
At GlobalHealth Asia, we
understand the frustration
that many people have
understanding the
fine print, terms and
conditions of most
medical insurance
policies. That is why we
have simplified matters,
with a straight-forward list
of coverage and benefits.
Deductible Options Nil, $500, $1,500, $5,000
Geographical Area Worldwide
Claims Processing Hong Kong
Age Limits & Renewals 0-60 New Applicants, 61+ may
be considered subject to
underwriter approval
Lifetime Renewals
Additions Immediate upon birth
Note: Currency in US$
12

13. Pallas GlobalHealth Hospitalization & Out-patient Surgery
Module I
Annual Maximum $2,000,000 per Period of Insurance
Hospital Services
Standard Private Room and Board Fully Covered
Parental Accommodation Fully covered
Other Medical Expenses (theatre fees, x-rays,
blood etc)
Fully Covered
Intensive Care Fully Covered
Surgeon’s Fees Fully Covered
Anaesthetist Fees Fully Covered
Professional Fees Fully Covered
Reconstructive Surgery Fully Covered
Psychiatric In-patient Hospital Care Fully Covered
New Born coverage including birth defects and
congenital conditions at birth
Fully Covered
Clinical Surgery, Chemotherapy and Dialysis
Clinical Surgery Fully Covered
Chemotherapy Fully Covered
Dialysis Fully Covered
Complications of Pregnancy*
Complications of Pregnancy* Fully Covered
Private & Home Nursing
Private Nursing in Hospital when certified
necessary by an attending Physician
Fully Covered
Home nursing if prescribed by attending Physician $135 per day for maximum of 40 days in each period
Organ Transplant
Organ Transplant (only human organs, procurement
must be pre-approved by Company)
$300,000 per transplant
Local Ambulance
Local Ambulance to and from Hospital
prescribed by an attending Physician
Fully Covered
Emergency Room Treatment
Emergency Room Treatment Fully Covered
Rehabilitation Treatment
Medically Prescribed rehabilitation treatment $355 per day for maximum of 90 days per illness
13

14. Pallas GlobalHealth Hospitalization & Out-patient Surgery
Module I
Pre hospitalization
Pre hospitalization benefits for up to 30 days
before a covered confinement
Fully Covered
Post hospitalization
Post hospitalization benefits for up to 90 days
following a covered confinement
Fully Covered
Hospital Cash Benefit
If treatment received free of charge $100 per night for maximum of 60 days per
policy year
Emergency Dental Treatment
Emergency Dental Treatment to repair damage
to sound natural teeth within 14 days of accident
Fully Covered
Evacuation and Repatriation
The services listed in this benefit are Fully Covered up to a maximum of $500,000 per event
All benefits in this category must be pre-approved by the Company
Worldwide emergency assistance including
evacuation and repatriation to home country
within three months after completion of treatment
Fully Covered
Accompanying Person Fully Covered
Mortal Remains $15,000
* To qualify for the benefit, the pregnancy must not have been artificially assisted inclusive of
hormone treatments.
14

15. Pallas GlobalHealth Out-patient Benefits
Module II
General Practitioner and Specialist Consultations
General Practitioner consultations Fully Covered
Specialist consultations Fully covered
Psychiatrists $130 per consultation maximum of four
consultations per year
Physiotherapy prescribed by a physician $100 per consultation
Complementary Medicine
Chinese doctor consultation with prescribed
traditional Chinese medicine, acupuncturist,
dietetic guidance, chiropractor, and osteopath
$50 per consultation up to a maximum of
ten consultations per year
Diagnostic Lab Tests and Scans
Lab tests, analysis Fully Covered
X-Ray Fully Covered
ECG Fully Covered
Scans & endoscopic exams Fully Covered
Hearing Aids
Prescribed Hearing Aids 50% up to $325 per appliance
Other Medical Appliances
Slings and Bandages Fully Covered
Arch Support Fully Covered
Rental of Medical Appliances Fully Covered
Medicines and drugs
Medicines and drugs prescribed by an
attending physician
Fully Covered
Medical Check-Up
Medical Check-up $300 per year
15

16. Pallas GlobalHealth Maternity** Benefit
Module III
Delivery including prenatal and postnatal
services, costs of delivery including all Hospital
and professional fees
Fully Covered up to $10,000 per pregnancy
**Deductible does not apply
Pallas GlobalHealth Dental Plan**
Module IV
The company will pay Reasonable and Customary Charges for the following dental treatment
performed by a Dentist or Oral Hygienist
Routine Dental Treatment including: examinations,
tooth cleaning, normal composite fillings, inlay
(excluding gold inlays), onlay (excluding gold
onlays), extractions and sealants
Fully Covered up to $700 per period of insurance
Major Restorative Dental Work including:
removal of impacted, buried, or unerupted teeth,
removal of roots, root canal treatment, removal
of solid odontomes, apicectomy, new or repair of
bridge work (excluding gold bridge work), new or
repair of crowns (excluding all gold crowns), new
or repair of upper and lower dentures
Fully Covered up to $1,500 per period of insurance
**Deductible does not apply
16

17. Your Concerns.
Our Answers.
General Questions
Q: Who is eligible for cover under
the Pallas GlobalHealth
medical insurance plan?
A: The policyholder must be
between 18 and 60 years of
age and not be a U.S. citizen
residing in the United States.
Other local laws also apply in
other jurisdictions.
Q: Are there any age limits
for coverage?
A: The minimum age at entry for
individual enrollment is 18
years. Children below age 18
may be covered as dependants
on their parent/guardian’s
policy. New applicants over
60 years of age are eligible,
subject to approval of the
insurance underwriter.
Q: Does the Pallas GlobalHealth
plan renew automatically?
A: The Pallas GlobalHealth Plan
is a year long renewable
insurance contract. You must
expressly agree to renew on a
yearly basis. Prior to your policy
expiry, you will be sent a
renewal notice and quotation
to the latest address held on
file, advising you of your
renewal premium.
Q: Are pre-existing
conditions covered?
A: Yes, some pre-existing
conditions may be covered
and may require a premium
loading or a cap on benefits.
We believe this is a more
straightforward and honest
approach than offering a
pre-existing “waiting period/
moratorium” for which the
majority of policyholders
never qualify.
Q: What coverage is available
for Chronic Conditions?
A: Pallas GlobalHealth offers
comprehensive, full refund
coverage for many pre-existing
conditions even on an
out-patient basis.
Q: May I cancel my policy?
A: The minimum period of
insurance is 12 months and
cannot be cancelled.
Q: Will my premiums increase
with age?
A: Your premium is calculated
based on the age band within
which you fall at policy
inception and subsequent
renewals. If at renewal you
fall in a higher age band,
your premium will increase.
17

18. Q: Are any other premium
increases applicable?
A: Yes, your premiums will increase
in line with medical
treatment inflation.
Q: Who do I contact in case of
an emergency?
A: We will provide you with
contact details for our
24-hour emergency services
and evacuation provider with
your policy.
Q: How does Pallas GlobalHealth
plan compare to my existing
medical insurance coverage?
A: Pallas GlobalHealth plan is
a comprehensive global
medical insurance plan with
extraordinary high coverage in
addition to offering Freedom
of Choice, Global Coverage,
and Superior Benefits. We
would be pleased to take a
look at your existing medical
insurance plan and provide you
with a detailed comparison –
just get in touch with us
by calling (852) 2526 0505
or email at globalhealth@
globalhealthasia.com.
Q: What if I relocate to another
country or return permanently
to my home country? Will
my policy remain effective?
A: Yes. Your policy will remain
effective until the renewal date,
and you will be eligible for
automatic renewals thereafter.
It is a policy requirement that
you notify us of your change of
residence. Whenever possible,
please notify us before
you relocate.
Q: If I move to a country in North
America, can I keep my Pallas
GlobalHealth policy?
A: Yes, with Pallas GlobalHealth
you have the freedom to reside
anywhere. However, U.S.
laws prohibit U.S. citizens
residing in the United States
from renewing or purchasing
this policy.
18

19. Notes:
At this time policy not available to
residents of North America.
Policies always subject to local
laws and taxes.
All amounts in this brochure
are depicted in United States
Dollars (US$).
Enrollment Related
Questions
Q: How long does it take to
issue a policy?
A: The usual issuing time for a
new Pallas GlobalHealth policy
and card issuance is five
working days.
Q: Where can I obtain an
Application Form?
A: Application forms may be
downloaded, or you may
apply online, at:
www.pallasglobalhealth.com
Claims Related
Questions
Q: Is it possible for GlobalHealth
Asia to pay the medical
provider directly?
A: Yes, in many cases
GlobalHealth Asia can arrange
to pay the provider directly,
both for out-patient treatments
and hospitalization.
Q: How long will it take to pay
my claim?
A: Provided full information is
received, the usual turnaround
time for standard claims is
five working days.
Q: Where is my claim
processing center?
A: Your claims are processed
in Hong Kong.
19

20. Your wisest global medical insurance choice
Contact details:
GlobalHealth Asia Limited
1401-3 Chinachem Hollywood Centre
1-13 Hollywood Road
Central
Hong Kong, SAR, China
Tel: (852) 2526 0505
Fax: (852) 2526 0769
E-mail: globalhealth@globalhealthasia.com
www.globalhealthasia.com
www.pallasglobalhealth.com