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

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 QuestionsQ: How long does it take to

issue a policy?

A: The usual issuing time for a

new Pallas GlobalHealth policy

and card issuance is fi ve

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 QuestionsQ: 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

fi ve working days.

Q: Where is my claim

processing center?

A: Your claims are processed

in Hong Kong.

19

Pallas GlobalHealthPallas 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 benefi ts, 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 fi rm formed in 1997 by

a dedicated team of insurance

professionals with over 25 years

of experience in international

and health care management.

The customer fi rst 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

Pallas GlobalHealth is a premier global medical

insurance plan that provides you with the

greatest freedom of choices and options.

4

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

Benefi t – 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

fi nancial 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

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 Benefi t• $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 certifi ed 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

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

Superior Benefi ts. 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 anywhereWith 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

Worldwide coverageWith 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 conditionsYour 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 servicesIn 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 OpinionsYour 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 paymentsWe 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

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 benefi ts

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

Industry Service LeaderBased 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 CareYou 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, benefi cial

relationship. Our goal is to reward

you for this relationship with

friendly, fl exible and industry

leading levels of customer service.

11

Details of the PlanAt GlobalHealth Asia, we understand the frustration that many people have

understanding the fi ne print, terms and

conditions of most medical insurance

policies. That is why we have simplifi ed matters, with a straight-forward list of coverage and benefi ts.

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

Pallas GlobalHealth Hospitalization & Out-patient SurgeryModule 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 certifi ed

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

Pallas GlobalHealth Hospitalization & Out-patient SurgeryModule I

Pre hospitalization

Pre hospitalization benefi ts for up to 30 days

before a covered confi nement

Fully Covered

Post hospitalization

Post hospitalization benefi ts for up to 90 days

following a covered confi nement

Fully Covered

Hospital Cash Benefi t

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 benefi t are Fully Covered up to a maximum of $500,000 per event

All benefi ts 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 benefi t, the pregnancy must not have been artifi cially assisted inclusive of

hormone treatments.

14

Pallas GlobalHealth Out-patient Benefi tsModule 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

Pallas GlobalHealth Maternity** Benefi tModule 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 fi llings, 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

Your Concerns. Our Answers.General QuestionsQ: 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

fi le, 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 benefi ts.

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

Q: Are any other premium

increases applicable?

A: Yes, your premiums will increase

in line with medical

treatment infl ation.

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 Benefi ts. 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

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 QuestionsQ: How long does it take to

issue a policy?

A: The usual issuing time for a

new Pallas GlobalHealth policy

and card issuance is fi ve

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 QuestionsQ: 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

fi ve working days.

Q: Where is my claim

processing center?

A: Your claims are processed

in Hong Kong.

19

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