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MEDICAL INSURANCE PLAN
Innovative Private Medical Coverage.
Offering a wide range of comprehensive personal and family medical
insurance products, backed by superior customer service,
GlobalHealth Asia is your trusted insurance partner.

Providing peace of mind to individuals and families, these
innovative medical insurance plans allow you to choose any
physician, clinic or hospital in the world. Additionally, you
can be covered for pre-existing medical conditions and all
plans automatically include 24-hour worldwide emergency
and evacuation assistance in the event of an immediate
medical need.

GlobalHealth Asia also offers a wide range of plans to enhance
any corporate, organisation or association employee benefits
programs, with flexible structures and cost savings designed to help
manage the health of employees or members with proven cost efficiency. GlobalHealth
Asia and Zurich Insurance Group (Hong Kong) have jointly developed the innovative
UniversalHealth 100 Medical Insurance Plan with your needs in mind.

UniversalHealth 100 Medical Insurance Plan features:

A Global Insurer – the UniversalHealth                 Worldwide Coverage – option to include
100 Medical Insurance Plan is underwritten             North American coverage at an additional
by Zurich Life Insurance Company Ltd, part             premium.
of the Zurich Financial Services Group, the
world’s largest Swiss insurance-based financial        Complementary         Medical    Coverage
services provider.                                     –    physiotherapist,   chiropractor   and
                                                       acupuncturist treatments are covered as
                                                       core post-hospitalisation benefits when
Value for Money Premiums – priding itself              certified as necessary by an attending
on providing the best value for money, the             physician. Physiotherapy and chiropractic
UniversalHealth 100 Medical Insurance Plan             treatments are also covered in the optional
has been developed to suit every individual,           Out-patient plan.
family, company and association.
                                                       Superior Local Service – industry leading
Flexibility and Choices – you can choose               levels of customer service are yours with
from a range of policy options and deductibles         every GlobalHealth Asia medical coverage
to suit the particular needs of you and your           plan, including the easy-to-use GlobalHealth
family, from hospital only with the option to          Asia Online Member Care service. As a Hong
include out-patient and dental coverage.               Kong based operation, GlobalHealth Asia
                                                       understands your need for superior and
Chinese Medicine Coverage – traditional                prompt service.
Chinese     medicine    and     treatments,
including Chinese herbalist, bonesetter and            Guaranteed Renewal – individual plan
acupuncture are included with the optional             is guaranteed renewable up to your 100th
Out-patient plan.                                      birthday.
                                                  01
Low Premiums. Extensive Coverage.

Offering affordable premiums, the UniversalHealth 100 Medical Insurance Plan provides
extensive medical insurance coverage for newborn children right through to those enjoying
their twilight years. Plus, you can select the annual deductible level at which you feel most
comfortable. Key product features and options of the UniversalHealth 100 Medical Insurance
Plan include:

• Continued medical coverage until your 100th birthday.
• Receive treatment at hospital of your choice based on plan coverage.
• Full Hospital and out-patient surgery reimbursement benefit levels at HK$ 10 million and
  HK$ 5 million.
• Three choices of annual deductibles: NIL, HK$2,000 and HK$5,000.
• No co-payment.
• Out-patient Surgery and Post-Hospitalisation treatments included in core coverage.
• 24-Hour worldwide emergency assistance.
• Emergency Medical Evacuation and Repatriation plus other emergency benefits.
• Option to add Out-patient and Dental benefits.
• Worldwide coverage includes North America with your option to exclude North American
  coverage to lower annual premiums.
• Pre-existing conditions can be covered, subject to approval and possible additional premiums.

 Excellent Medical Coverage for those 75         including in many cases the exact same
 and Older*                                      coverage as that for a younger person.

                                                 is fully reimbursable for in-patient, day
 Cancer Treatment                                patient, and out-patient care of those under
                                                 75, and up to HK$120,000 per year for
                                                 those 75 and older.
                                                 coverage includes in-patient and out-patient
 Complications of Pregnancy                      treatments and surgery resulting directly
                                                 from pregnancy related complications.
                                                 your new child can be added to your
 Immediate Coverage for Newborns                 UniversalHealth 100 Medical Insurance Plan
                                                 from the day of birth.
                                                 your UniversalHealth 100 Medical Insurance
 Life Insurance Coverage                         Plan includes HK$10,000 worth of life
                                                 insurance at no additional cost.
* Maximum entry into the plan is 65 years old

                                                02
Customer First Philosophy.
                            Formed in 1997 by a dedicated team of insurance professionals
                              with over 30 years of experience in international health care
                               management, GlobalHealth Asia takes pride in its customer
                                first philosophy. For more than a decade GlobalHealth Asia has
                                built a solid reputation for providing its customers with value
                                oriented insurance and superior customer service.

                                 GlobalHealth Asia believes that your purchase of a medical plan
                               is the start of a long term relationship. In order to ensure your
                              continued satisfaction, GlobalHealth Asia maintains an industry
                            leading level of customer service.




Direct Payments to Medical Service Providers


To alleviate your worries about paying for quality medical care, GlobalHealth Asia has established
an extensive out-patient Direct Billing Network (DBN) using the Zurich GlobalHealth medical
card for the NIL Deductible plan. This includes hundreds of general practitioners and specialists
across Asia.

Additionally, GlobalHealth Asia can arrange a Hospital Guarantee payment for both planned
and emergency hospitalisations, as well as direct payment of most hospital bills on your behalf.



                             Online Member Care



                                   The GlobalHealth Asia Online Member Care service provides
                                     additional convenience for all policyholders.

                                         Through the Online Member Care service you or your
                                         appointed representative will have secure access to
                                          your policy details at all times, so you can check on
                                          your policy whenever it is most convenient for you.

                                        You or your representative can also use Online Member
                                       Care to check the status of your claims and download
                                     useful documents and forms. You can also email us at
                                   globalhealthuniversal@globalhealthasia.com

                                                03
Easy to Apply

It is very easy to choose and apply for your
UniversalHealth 100 Medical Insurance Plan.
Application forms are available for download
at www.globalhealthuniversal.com and the
latest premium tables and benefits showing all
your choices and options are readily available.




                      Transparent Underwriting



                                     GlobalHealth Asia takes an open and upfront approach
                                     to underwriting transparency, meaning you will not have
                                     any surprises when you make a claim for reimbursable
                                     medical costs.

                                     Unlike many other plans, GlobalHealth Asia has a detailed
                                     application process, so you will know before your medical
                                     insurance coverage begins which pre-existing or chronic
                                     conditions are included in your cover.




Prompt Payment of Claims

When full documentation is received from policyholders,
most claims are reimbursed within five business days.

Reimbursement of claims can be made directly to your
credit card, your nominated bank account or via cheque
payment in HK$.




                                              04
Corporate and Group Plans


            GlobalHealth Asia will work with you or your insurance
               representative to create an innovative employee
                   medical insurance program that benefits your
                      staff, enhances your reputation as a caring
                        employer, and helps to reduce employee
                          turnover.

                              This includes tailoring corporate and
                               group plans to suit your specific
                               needs, including covering pre-existing
                               conditions of your staff. GlobalHealth
                              Asia corporate and group plans are
                              available for every size business or
                             organisation, big or small.

                       The benefits of partnering with GlobalHealth
                     Asia for corporate and group plans are many,
                  including:

            Flexibility – with a streamlined underwriting approach,
            plans can be as comprehensive as you want, with the
            option of different coverage for various levels of staff or
            geographic location.

            Superior Service – through the GlobalHealth Asia
            Direct Billing Network and Online Member Care
            services, so your Human Resources management are not
            unnecessarily burdened with handling employee claims
            and reimbursements.




                        05
Preferential Rates – depending on group size special rates
apply, enabling you to provide a high level of employee benefits
at minimal cost.

Global Coverage – your employees are covered for medical
emergencies wherever in the world you need to send them.

Medical History Disregarded – for larger groups this may be
available.

Global Emergency Medical Assistance –
your employees will have access to 24-hour,
7-day-a-week worldwide emergency medical
assistance and advice, a great comfort to
both them and you.

Portability - the insured person under a
corporate or group policy may select to
continue their coverage on an individual
basis upon termination of employment,
layoff, retirement, or ceasing to remain a
member of your organisation.




                                         06
The Worldwide Zurich Group
   Zurich Financial Services Group is the world’s largest Swiss insurance-based financial services
provider1 and a Fortune Global 500 company2. The Group has a global network of subsidiaries and
 offices in North America and Europe as well as in Asia-Pacific, Latin America and other markets.
   Founded in 1872, the Group is headquartered in Zurich, Switzerland. A prudent and focused
            business strategy has earned Zurich an “AA-” rating by Standard & Poor’s3.


                                  Zurich Insurance Group (Hong Kong)

   The group’s presence in Hong Kong dates back to 1961. The group’s premium income in Hong
        Kong is close to HK$6.1 billion4, making the group a top 10 insurer in Hong Kong4.

      Zurich Insurance Group (Hong Kong) offers a wide range of insurance-based solutions for
                       individuals as well as companies, and was awarded the
             “Capital Weekly PRO Choice Awards 2008” in the “Life Insurance Services”
              category by Capital Weekly in recognition of its outstanding performance.


1 Measured by a composite ranking for sales, profits, assets and market value, source: The Forbes Global 2000, April 2009
2 In terms of revenue, source: Fortune Global 500, July 2009
3 As of 31st March 2010
4 Based on the combined “total annualised premium” in 2008; source: Office of Commissioner of Insurance




                                                              07
GlobalHealth Asia
  Founded in Hong Kong in 1997, GlobalHealth Asia is a member of the Global Health
International Group Limited. The customer first philosophy of GlobalHealth Asia results in
               industry leading service being provided to all policyholders.

 With operations in four markets, plus local underwriting partners across Southeast Asia,
  GlobalHealth Asia provides local support for individuals, families, corporations, and
     organisations seeking innovative and value-driven medical insurance coverage.

Created With One Goal in Mind – to be the best personal and family medical insurance
   service provider in Asia – GlobalHealth Asia has built a solid reputation for providing
              value oriented insurance and superior customer service.




                                            08
Head Office

              GlobalHealth Asia Limited
Suite 1401-3 Chinachem Hollywood Centre,
                    1-13 Hollywood Road,
                           Hong Kong, SAR
                      Tel: (852) 2526 0505
                     Fax: (852) 2526 0769

             www.globalhealthasia.com

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Uh100 Pb

  • 2. Innovative Private Medical Coverage. Offering a wide range of comprehensive personal and family medical insurance products, backed by superior customer service, GlobalHealth Asia is your trusted insurance partner. Providing peace of mind to individuals and families, these innovative medical insurance plans allow you to choose any physician, clinic or hospital in the world. Additionally, you can be covered for pre-existing medical conditions and all plans automatically include 24-hour worldwide emergency and evacuation assistance in the event of an immediate medical need. GlobalHealth Asia also offers a wide range of plans to enhance any corporate, organisation or association employee benefits programs, with flexible structures and cost savings designed to help manage the health of employees or members with proven cost efficiency. GlobalHealth Asia and Zurich Insurance Group (Hong Kong) have jointly developed the innovative UniversalHealth 100 Medical Insurance Plan with your needs in mind. UniversalHealth 100 Medical Insurance Plan features: A Global Insurer – the UniversalHealth Worldwide Coverage – option to include 100 Medical Insurance Plan is underwritten North American coverage at an additional by Zurich Life Insurance Company Ltd, part premium. of the Zurich Financial Services Group, the world’s largest Swiss insurance-based financial Complementary Medical Coverage services provider. – physiotherapist, chiropractor and acupuncturist treatments are covered as core post-hospitalisation benefits when Value for Money Premiums – priding itself certified as necessary by an attending on providing the best value for money, the physician. Physiotherapy and chiropractic UniversalHealth 100 Medical Insurance Plan treatments are also covered in the optional has been developed to suit every individual, Out-patient plan. family, company and association. Superior Local Service – industry leading Flexibility and Choices – you can choose levels of customer service are yours with from a range of policy options and deductibles every GlobalHealth Asia medical coverage to suit the particular needs of you and your plan, including the easy-to-use GlobalHealth family, from hospital only with the option to Asia Online Member Care service. As a Hong include out-patient and dental coverage. Kong based operation, GlobalHealth Asia understands your need for superior and Chinese Medicine Coverage – traditional prompt service. Chinese medicine and treatments, including Chinese herbalist, bonesetter and Guaranteed Renewal – individual plan acupuncture are included with the optional is guaranteed renewable up to your 100th Out-patient plan. birthday. 01
  • 3. Low Premiums. Extensive Coverage. Offering affordable premiums, the UniversalHealth 100 Medical Insurance Plan provides extensive medical insurance coverage for newborn children right through to those enjoying their twilight years. Plus, you can select the annual deductible level at which you feel most comfortable. Key product features and options of the UniversalHealth 100 Medical Insurance Plan include: • Continued medical coverage until your 100th birthday. • Receive treatment at hospital of your choice based on plan coverage. • Full Hospital and out-patient surgery reimbursement benefit levels at HK$ 10 million and HK$ 5 million. • Three choices of annual deductibles: NIL, HK$2,000 and HK$5,000. • No co-payment. • Out-patient Surgery and Post-Hospitalisation treatments included in core coverage. • 24-Hour worldwide emergency assistance. • Emergency Medical Evacuation and Repatriation plus other emergency benefits. • Option to add Out-patient and Dental benefits. • Worldwide coverage includes North America with your option to exclude North American coverage to lower annual premiums. • Pre-existing conditions can be covered, subject to approval and possible additional premiums. Excellent Medical Coverage for those 75 including in many cases the exact same and Older* coverage as that for a younger person. is fully reimbursable for in-patient, day Cancer Treatment patient, and out-patient care of those under 75, and up to HK$120,000 per year for those 75 and older. coverage includes in-patient and out-patient Complications of Pregnancy treatments and surgery resulting directly from pregnancy related complications. your new child can be added to your Immediate Coverage for Newborns UniversalHealth 100 Medical Insurance Plan from the day of birth. your UniversalHealth 100 Medical Insurance Life Insurance Coverage Plan includes HK$10,000 worth of life insurance at no additional cost. * Maximum entry into the plan is 65 years old 02
  • 4. Customer First Philosophy. Formed in 1997 by a dedicated team of insurance professionals with over 30 years of experience in international health care management, GlobalHealth Asia takes pride in its customer first philosophy. For more than a decade GlobalHealth Asia has built a solid reputation for providing its customers with value oriented insurance and superior customer service. GlobalHealth Asia believes that your purchase of a medical plan is the start of a long term relationship. In order to ensure your continued satisfaction, GlobalHealth Asia maintains an industry leading level of customer service. Direct Payments to Medical Service Providers To alleviate your worries about paying for quality medical care, GlobalHealth Asia has established an extensive out-patient Direct Billing Network (DBN) using the Zurich GlobalHealth medical card for the NIL Deductible plan. This includes hundreds of general practitioners and specialists across Asia. Additionally, GlobalHealth Asia can arrange a Hospital Guarantee payment for both planned and emergency hospitalisations, as well as direct payment of most hospital bills on your behalf. Online Member Care The GlobalHealth Asia Online Member Care service provides additional convenience for all policyholders. Through the Online Member Care service you or your appointed representative will have secure access to your policy details at all times, so you can check on your policy whenever it is most convenient for you. You or your representative can also use Online Member Care to check the status of your claims and download useful documents and forms. You can also email us at globalhealthuniversal@globalhealthasia.com 03
  • 5. Easy to Apply It is very easy to choose and apply for your UniversalHealth 100 Medical Insurance Plan. Application forms are available for download at www.globalhealthuniversal.com and the latest premium tables and benefits showing all your choices and options are readily available. Transparent Underwriting GlobalHealth Asia takes an open and upfront approach to underwriting transparency, meaning you will not have any surprises when you make a claim for reimbursable medical costs. Unlike many other plans, GlobalHealth Asia has a detailed application process, so you will know before your medical insurance coverage begins which pre-existing or chronic conditions are included in your cover. Prompt Payment of Claims When full documentation is received from policyholders, most claims are reimbursed within five business days. Reimbursement of claims can be made directly to your credit card, your nominated bank account or via cheque payment in HK$. 04
  • 6. Corporate and Group Plans GlobalHealth Asia will work with you or your insurance representative to create an innovative employee medical insurance program that benefits your staff, enhances your reputation as a caring employer, and helps to reduce employee turnover. This includes tailoring corporate and group plans to suit your specific needs, including covering pre-existing conditions of your staff. GlobalHealth Asia corporate and group plans are available for every size business or organisation, big or small. The benefits of partnering with GlobalHealth Asia for corporate and group plans are many, including: Flexibility – with a streamlined underwriting approach, plans can be as comprehensive as you want, with the option of different coverage for various levels of staff or geographic location. Superior Service – through the GlobalHealth Asia Direct Billing Network and Online Member Care services, so your Human Resources management are not unnecessarily burdened with handling employee claims and reimbursements. 05
  • 7. Preferential Rates – depending on group size special rates apply, enabling you to provide a high level of employee benefits at minimal cost. Global Coverage – your employees are covered for medical emergencies wherever in the world you need to send them. Medical History Disregarded – for larger groups this may be available. Global Emergency Medical Assistance – your employees will have access to 24-hour, 7-day-a-week worldwide emergency medical assistance and advice, a great comfort to both them and you. Portability - the insured person under a corporate or group policy may select to continue their coverage on an individual basis upon termination of employment, layoff, retirement, or ceasing to remain a member of your organisation. 06
  • 8. The Worldwide Zurich Group Zurich Financial Services Group is the world’s largest Swiss insurance-based financial services provider1 and a Fortune Global 500 company2. The Group has a global network of subsidiaries and offices in North America and Europe as well as in Asia-Pacific, Latin America and other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. A prudent and focused business strategy has earned Zurich an “AA-” rating by Standard & Poor’s3. Zurich Insurance Group (Hong Kong) The group’s presence in Hong Kong dates back to 1961. The group’s premium income in Hong Kong is close to HK$6.1 billion4, making the group a top 10 insurer in Hong Kong4. Zurich Insurance Group (Hong Kong) offers a wide range of insurance-based solutions for individuals as well as companies, and was awarded the “Capital Weekly PRO Choice Awards 2008” in the “Life Insurance Services” category by Capital Weekly in recognition of its outstanding performance. 1 Measured by a composite ranking for sales, profits, assets and market value, source: The Forbes Global 2000, April 2009 2 In terms of revenue, source: Fortune Global 500, July 2009 3 As of 31st March 2010 4 Based on the combined “total annualised premium” in 2008; source: Office of Commissioner of Insurance 07
  • 9. GlobalHealth Asia Founded in Hong Kong in 1997, GlobalHealth Asia is a member of the Global Health International Group Limited. The customer first philosophy of GlobalHealth Asia results in industry leading service being provided to all policyholders. With operations in four markets, plus local underwriting partners across Southeast Asia, GlobalHealth Asia provides local support for individuals, families, corporations, and organisations seeking innovative and value-driven medical insurance coverage. Created With One Goal in Mind – to be the best personal and family medical insurance service provider in Asia – GlobalHealth Asia has built a solid reputation for providing value oriented insurance and superior customer service. 08
  • 10. Head Office GlobalHealth Asia Limited Suite 1401-3 Chinachem Hollywood Centre, 1-13 Hollywood Road, Hong Kong, SAR Tel: (852) 2526 0505 Fax: (852) 2526 0769 www.globalhealthasia.com