Underwritten By



Regulated By



GlobalHealth International Health Insurance

Key Facts

Overview

  • Founded 1997
  • N/A Rated (A.M Best)
  • N/A total members (est.)
  • Headquarters: Hong Kong
  • Underwriter: Liberty Insurance

Products

  • Range: Pallas
  • Type: International Medical
  • For: Individuals & Families
  • Duration: 12 months
  • Status: Active
  • Currencies

Member Services

Features

  • In-Patient Direct-Billing
  • Emergency Assistance
  • Multilingual helpline
  • Medical Advisory helpline
  • Application fee

Areas of cover

  • Area 1: Worldwide
  • Area 2: Worldwide Excluding USA, Canada and the Caribbean

BrokerFish is an appointed a representative of the GlobalHealth Asia International Group. Headquartered in Hong Kong, GlobalHealth Asia serves individuals, families and companies of all sizes across Asia and around the world. GlobalHealth believes that international benefits provided with a local and onshore presence in Asia ensures the best mix of cover and service. With offices in Hong Kong, Shanghai, Ho Chi Minh and Singapore, GlobalHealth has built a reputation for providing excellent cover at affordable premiums.

We provide GlobalHealth Asia's Pallas plans, which are underwritten by Liberty International Insurance Limited (Hong Kong), 95th on the Fortune 500 list, a world leading general insurance organisation serving more than 40 million clients in over 160 countries and jurisdictions.

Flexible, Modular, Product
Full Medical Underwriting
Automatic, online renewal
Online Members Area
Lifetime renewable
Possible cover for pre-existing conditions
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+60 3 6419 0701

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"I am grateful for the exemplary service you provided to us throughout this process. It was a pleasure working with you."
Alex, Malaysia.
"Kudos to you guys for taking steps to make insurance a more bearable user experience :]"
Phil, China.
"We really appreciate your support and certainly looking forward to our continuous cooperation!"
Kylie, China.

GlobalHealth Asia Pallas Member Services

Get access to a suite of GlobalHealth Asia member services.
With service centres in Hong Kong, Shanghai, Singapore and Vietnam, GlobalHealth Asia are strategically placed to serve the main expat hubs and emerging markets.
International Service Centre
Free Newborn Cover
24/7/365 Medical Centre
Accessible Technology
Choose Any Hospital & Doctor

GlobalHealth Asia Pallas Sub Products

GlobalHealth Asia offer a modular based product meaning that you can pick the cover suited for you and your family. You start with their core module as standard called Module I which provides cover for in-patient treatment and out-patient surgery and acts as your baseline level of care. From there Module II can be purchased which offers more comprehensive levels of out-patient, Module III for maternity and Module IV which provides dental and optical. You are free to pick and choose from whatever modules are appropriate to your needs and budget: I & IV, I & II & IV and so on.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Great for: Great for: Great for: Great for:

Insurer administered in Hong Kong & popular in Asia

Insurer administered in Hong Kong & popular in Asia

Insurer administered in Hong Kong & popular in Asia

Insurer administered in Hong Kong & popular in Asia

Value Value Value Value
Coverage Coverage Coverage Coverage

Quality cover with few limitations

Added out-patient & wellness benefits

Includes Maternity cover

Adds Dental cover

Areas of Cover

The Pallas policy provides cover on a global basis.

Choose from either "Worldwide Excluding USA and The Caribbean" or "Worldwide" if you need cover while visiting the USA.

GlobalHealth Asia Pallas Optional Add-Ons

GlobalHealth Asia provide fully complete flexibility by allowing you to tailor the exact policy that you need. Within the expatriate health insurance market, only a few companies rival Allianz in this way such as Bupa and Cigna.

USA Cover

Provides access to medical treatment while visiting the USA

Supported sub-products Module I

Additional Out-Patient

Boosts out-patient benefits by adding consultations, prescription drugs and more

Supported sub-products Module I

Maternity

Provides pre and post-natal delivery up to $15,000

Supported sub-products Module I

Dental & Optical

Provides cover for minor and major dental, eye exams, glasses and contacts

Supported sub-products Module I

Compare GlobalHealth Asia Pallas Sub Products

Compare Plans

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Premium per month Get Quotes Get Quotes Get Quotes Get Quotes
Deductibles Deductibles
Also known as excess, this is the money that you pay before the insurance company starts paying for medical expenses. Deductible can be per sickness/injury, per insurance period or per year and usually applies to each insured member of the policy separately.
Brochure Pack Brochure Pack
Download official documents associated with this policy range such as the brochure, table of benefits and policy wording.
Download Liberty Insurance Brochure Pack Download Liberty Insurance Brochure Pack Download Liberty Insurance Brochure Pack Download Liberty Insurance Brochure Pack
Maximum Benefit Maximum Benefit
The maximum amount per year that the insurance company will pay for treatment.

$3 million

$3 million

$3 million

$3 million

USA Elective Treatment USA Elective Treatment
When this option is included, you will be the eligible to receive elective treatment when visiting the United States on trips.


In-Patient

In-Patient
Refers to treatment in a hospital / clinic where an overnight stay is medically necessary.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Hospital Accommodation Hospital Accommodation
The type of bed that you will stay in overnight in a hospital or clinic.

Private

Private

Private

Private

In-Patient Surgery In-Patient Surgery
Any surgery where the patient needs to remain overnight or longer in a hospital or clinic after the surgery is completed.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Prescription Drugs Prescription Drugs
Pharmaceutical drugs available only on the prescription of a registered medical practitioner and available only from pharmacies.
Organ Transplant Organ Transplant
Cover for a surgical operation in which an organ is moved from a donor to a recipient.
Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.

$100 per consultation

$100 per consultation

$100 per consultation

Rehabilitation Rehabilitation
Treatment aimed at the restoration of a normal form / function after an acute illness or injury. Rehabilitation is usually provided following acute medical treatment.

$31,950 (max 90 days)

$31,950 (max 90 days)

$31,950 (max 90 days)

$31,950 (max 90 days)

Hospice Hospice
Treatment following the diagnosis that a condition is terminal and treatment can no longer be expected to cure the condition. Typically includes physical and psychological care as well as hospital or hospice accommodation, nursing care and prescription drugs.

$600 (max 90 days)

$600 (max 90 days)

$600 (max 90 days)

$600 (max 90 days)

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology Oncology
Refers to treatment associated with tumours such as diagnostic tests, radiotherapy, chemotherapy and other hospital fees associated with the treatment of cancer.


Out-Patient

Out-Patient
Refers to treatment provided in the practice or surgery of a medical practitioner, therapist or specialist that does not require the patient to be admitted to hospital.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Out-Patient Surgery Out-Patient Surgery
Also known as ambulatory surgery, same-day surgery or day surgery, provides cover for surgery that does not require an overnight hospital stay.
Medical Practitioner Fees Medical Practitioner Fees
Refers to costs / bills arising from treatment performed or administered by a medical practitioner (a physician who is licensed to practice medicine under the law of the country in which treatment is given).
Specialist Fees Specialist Fees
Expenses associated with consultations or treatment by a specialist.
Prescription Drugs Prescription Drugs
Expenses associated with consultations or treatment by a specialist.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Diagnostic Scans Diagnostic Scans
Refers to cover for costs incurred as a result of obtaining advanced diagnostic tests such as MRI, CT, PET and PET-CT scans.
Home Nursing Care Home Nursing Care
Cover for health care or supportive care provided in the patient\'s home by healthcare professionals.
Prosthetic Devices Prosthetic Devices
Refers to artificial body parts or devices, which are an integral part of a surgical procedure or part of any medically necessary treatment following surgery.
Chiropractic Chiropractic
Treatment based on the diagnosis and manipulative treatment of misalignments of the joints, especially those of the spinal column.

$750 (15 consultations max)

$750 (15 consultations max)

$750 (15 consultations max)

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.
Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.

$100 per consultatoin

$100 per consultatoin

$100 per consultatoin

Oncology Oncology
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.
Alternative Therapies Alternative Therapies
Refers refers to therapeutic and diagnostic treatment that exists outside of conventional Western medicine. Usually includes chiropractic treatment, osteopathy, Chinese herbal medicine, homeopathy and acupuncture.

$750 (15 consultations max)

$750 (15 consultations max)

$750 (15 consultations max)



Maternity

Maternity
Refers to cover for medical costs incurred during pregnancy and childbirth, including hospital charges, specialist fees, mother's pre and post-natal care, as well as newborn care.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$15,000 (wait 12 months)

$15,000 (wait 12 months)

Newborn Care Newborn Care
Cover for examinations and diagnostic test required to determine the health of a newborn child carried out immediately following childbirth. Some plans but not all, also include more comprehensive diagnostic newborn tests such as blood type and hearing. If problems are discovered, then sometimes Insurers may include cover for more complex medically necessary treatment and diagnostic tests.

(wait 12 months)

(wait 12 months)

Congenital Disorder Congenital Disorder
Newborn defects present at birth.
Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.


Dental

Dental
Dental treatment designed to pay a portion of the costs associated with routine, complex and emergency dental care.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Emergency In-Patient Emergency In-Patient
Provides a refund for emergency dental treatment due to a serious accident requiring hospitalisation. Cover under this benefit does not usually extend to follow-up dental treatment, dental prostheses, orthodontics or periodontics.
Emergency Out-Patient Emergency Out-Patient
This usually includes treatment received in a dental surgery or hospital emergency room for the immediate relief of dental pain. Cover includes temporary fillings, and / or the repair of damage caused in an accident.
Routine Routine
Usually includes an annual dental check up, simple fillings related to cavities or decay and root canal treatment.

$1,000

Complex Complex
Provides cover for specilised dental treatments and procedures such as dental prostheses, orthodontics or periodontics.

80% of $2,500

Orthodontic Orthodontic
Refers to the use of devices to correct malocclusion and restore the teeth to proper alignment and function.


Well-Being

Well-Being
Refers to measures and treatments taken to prevent diseases and promote good health rather than curing them or treating their symptoms.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Routine Health Check Routine Health Check
Routine health checks usually including cancer screening are tests/screenings that are undertaken without any clinical symptoms being present. Such tests are performed, at an appropriate age interval, for the early detection of illness or disease.

$1,000

$1,000

$1,000

Vaccinations Vaccinations
Refers to immunisations and booster injections in addition to the cost of consultation for administering the vaccine.


Psychiatric

Vaccinations
Refers to healthcare benefits dealing with the diagnosis and treatment of mental disorders.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

In-Patient Treatment In-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist where an overnight stay in a hospital or clinic is necessary.
Out-Patient Treatment Out-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist in a hospital or clinic where an overnight stay is not required.


Evacuation

Evacuation
Evacuation covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby. Repatriation, gives you the added benefit of returning to your home country to be treated in familiar surroundings.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Medical Evacuation Medical Evacuation
Covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby.

$500,000 per event

$500,000 per event

$500,000 per event

$500,000 per event

Medical Repatriation Medical Repatriation
Cover for costs incurred as a result of returning to your home country to be treated in familiar surroundings.

$500,000 per event

$500,000 per event

$500,000 per event

$500,000 per event

Repat' of mortal remains Repatriation of mortal remains
Covers the costs of transportation of the insured person’s mortal remains from the principal country of residence to the country of burial. Covered expenses typically include, expenses for embalming, a container legally appropriate for transportation, shipping costs and the necessary government authorisations.
Compassionate visit Compassionate Visit
Cover for the travel and other expenses of a relative's visit.

$15,000

$15,000

$15,000

$15,000

Companion expenses Companion expenses
Includes cover for transportation and accommodation for a relative of the patient to country and place where the patient is receiving treatment.


Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Eye tests & consultations Eye tests & consultations
Meeting and tests with an eye specialist to assess your sight and vision.

$300

Glasses & contacts Glasses & contacts
Cover for prescribed spectacle or contact lenses. Sometimes does not include cover for spectacle frames.

$300



Chronic Conditions

Chronic Conditions
Treatment for a sickness, illness or disease which is recurrent, without a cure, does not respond well to treatment, requires prolonged supervision / care and / or leads to permanent disability.

Module I

Module I & II

Module I, II & III

Module I, II, III & IV

Monitoring & maintenance Monitoring & maintenance
Also known as palliative care, provides care or treatment that concentrates on constantly monitoring and reducing the severity of disease symptoms, rather than striving to halt, delay, or reverse progression of the disease itself or provide a cure.
Stabilisation of chronic episode Stabilisation of chronic episode
Short term treatment of acute episodes of a chronic condition - the aim of which is to return the patient to the state of health they were in immediately before suffering the episode, or which leads to full recovery.
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Policy Conditions

This policy is designed for individuals and families who are living or working abroad for more than 12 months. USA citizens must live abroad or plan to leave the USA on their policy start date.

Eligibility

Exclusions

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating