GlobalHealth

Company

Please Note that GlobalHealth Asia is being replaced as April International Limited

GlobalHealth Asia International Group was created with one goal in mind – to become the best personal and family medical insurance service provider in Asia.

GlobalHealth Asia was created in 1997 by a team of insurance professionals with over 25 years of experience in international healthcare management, committed to providing individuals, families and corporations based in Asia with comprehensive international health insurance solutions.

As an established health insurance specialist, GlobalHealth Asia develops, administers and supports international health insurance programmes on behalf of its principals. Principals such as: AIG, Zurich Life, Liberty International and Pioneer Life.

With headquarters in Hong Kong and operations in:

Singapore,
Vietnam and
Shanghai,

plus local underwriting partners across Southeast Asia, GlobalHealth Asia provides a full range of professional health insurance services ranging from marketing, product development, distribution, underwriting, policy administration and claims adjudication.

GlobalHealth Asia’s customers today include many multinational and regional corporations, individuals, families and expatriates who have come to call Asia home.

Click here for a Health Insurance quote request

NOTE: Globalhealth Pallas and Corporate A plans do not clearly cover surgical implants such as Pacemakers, heart valves or stents. Only what is specifically mentioned in the Table of Benefits is covered. Lieva's benefit table makes mention of 'Surgical Appliances' but does not define what these are!

We are asking Globalheatlh to clarifiy this cover more fully in the next product revamps.

Globalheatlh Corporate A Plan Benefit table.pdf

GlobalHealth A Plan Table of benefits

Pallas Individual
Pallas Group
Lieva
Corporate A Plan
Product6

Named after the Greek Godess of Wisdom, the Globalheatlh 'Pallas' product, Underwritten by Liberty International Insurance Ltd in Hong Kong, is available for individuals, families and company groups.

The goal with the design was to come up with a more comprehensive, better value product than the BUPA:

International Swiss Medical (ISM) and
International Health and Hospital (IHHP) Plans which BUPA had inherited when it purchased IHI danmark.

See brief overview table below with how Pallas takes on the competition

	BUPA		Globalhealth
	ISM	IHHP	Pallas
Hospital max pa	USD1.5m	USD2.0m	USD3.0m
Outpatient max pa	USD40k	USD35k	USD3.0m
Maternity	Included	Included	Optional
Evacuation	Optional	Optional	Included
Dental	Optional	Optional	Optional
Worldwide cover including USA	Included	Included	Optional

In terms of where you live and claim you choose anywhere in the world, including:

Canada
USA and
the Caribbean: ie: Anguilla, Antigua & Barbuda, Arubs, Bermuda, Bonaire, Cayman Islands, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, El Salvador, Granada, Guadaloupe, Guatamala, Haiti, Honduras, Jamaica, Martinique, Nicaragua, Panama, Puerto Rico, St Lucia, St Vincent, Trinidad & Tobago, Venezuela and the Virgin Islands as a start!

If you select and pay the additional premium for this option, then you will have the right to be treated in any of the above places.

For people who transfer from BUPA's IHI plans to Pallas (generally on less stringent underwriting terms than if they were to apply with a new application) Globalhealth insists that they take the World Wide benefit, without the exclusion for North America and the Caribbean, for the first two years.

For annual deductibles, you have a choice of Nil, US$500, US$1500 or US$5000. Mostly our clients take the USD1500 options

Renewal Guaranteed and Congenital Defects covered

Like the IHI plans, Pallas offers the guarantee of renewal for life and as well, the guarantee of cover for birth defects and congenital conditions, provided your child's birth occurs 12 months after your policy has been in force. Like the BUPA IHI plans, Pallas does not penalize you for claim history and you have the freedom to attend doctors and hospitals of your choice.

Second Opinion Service, FREE of Charge

In the interests of promoting your future health and recovery, the Globalhealth Pallas product enables you to choose to obtain a free Medical Second Opinion from a list of the world’s leading medical centres, including:

the Mayo Clinic,
Harvard Medical School and
London’s King’s College Hospital.

Preventative Checkups - USD1,000 pa

Your Pallas GlobalHealth policy comes with full cover for vaccinations and US$1,000 per year to spend on medical check ups

Pallas Individual Policy Documents

GlobalHealth Asia - Credit Card / Bank Transfer Form

GlobalHealth Asia - Member Login instructions - 2014

GlobalHealth Asia - New Born Addition Form

Download all as zip

Network Claims

All Pallas and Lieva GlobalHealth members have access to a steadily expanding network of over 3,000 clinics in 26 major cities in Asia.

Your are entirely free to use or not use this netwrok, but if you do, then you eliminate the need to file claims.

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If you pay first:

In instances where you prefer to pay and claim, the Globalhealth's claim procedure is simple.

No originals are required,
No Claim forms are required

Claims forms are NOT NEEDED if your bills and receipts are clearly itemized!

By itemized we need to be clear as to:

Who is making the claim and who has received the treatment
What is the diagnosis
What are the expenses incurred (ie: Give a breakdown of the expenses)
The fact you have paid the bill already!

NOTE: Globalhealth offers convenient reimbursement methods by:

cheque,
bank transfer (in most major currencies) and even
direct credit EVEN to your credit card! (We know no other provider willing to provide this service)

If your Outpatient treatment is other than routine:

You will however need to complete a claim form where an outpatient claim involves

surgery
a new major illness
complex tests or treatments (e.g. CT Scans, MRI, blood analysis)
accidental injury

If you need a Letter of Guarantee issued for Hospital or complex Outpatient Treatment page1image21672

This Guaranteed will be either issued by GlobalHealth Asia or its emergency service partner AA International.

As for payment of non routine outpatient claims, Section C of the Claim Form completed by the attending doctor.

In Section C, your doctor or surgeon, working in conjunction with the hospital or clinic, will outline an estimate of the amount of the likely bill support this with documents regarding the condition, including diagnosis and provide as well such things as

medical /admission reports
The name, contact details and location of the hospital or clinic
A signed Indemnity Form (if not provided at beginning of policy)

As a general rule, it will take 3-5 working days to arrange a payment guarantee in a non-emergency situation, particularly outside of Asia.

Forward your claims to

Email liclaims@globalhealthasia.com. Insert your policy number into the subject line of your email
Fax (852) 2526 0769
Mail to: Suite1401-3, Chinachem Hollywood Centre, 1-13 Hollywood Road, HK
Call the crew at Navigator if you have any issues with Globalhealth Claims, call the crew @ Navigator Tel 2530 2530 or mail us the background claims@navigator-insurance.com

Lieva Claim Forms

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Globalhealth Claim Forms

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Pallas vs Lieva ~ All medical benefits
Pallas Vs Lieva Inpatient Cover
	Pallas	Lieva OP1	Lieva OP2	Lieva Network
US Treatment - With Exlusion for US, Canada and the Caribbean	US$50,000 during first 30 days of travel, but for Sudden Illness or Accident cover only
Pallas Vs Lieva Hospital Cover
Plan	Pallas	Lieva OP1	Lieva OP2	Lieva Network
Annual Plan Limit	$3,000,000	$2,500,000	$2,000,000	$1,500,000
Hospital Services
Standard Private Room and Board	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Parental Accommodation
Other Medical Expenses (theatre fees, x-rays, blood etc.)
Intensive Care
Surgeon’s Fees
Anaesthetist Fees
Professional Fees
Psychiatric In-patient Hospital Care		30 days	30 days	30 days
Complications of Pregnancy		Fully Covered	Fully Covered	No cover
Reconstructive Surgery		Fully Covered	Fully Covered	Fully Covered
Clinical Surgery, Chemotherapy & Kidney Dialysis
Clinical Surgery	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Chemotherapy
Kidney Dialysis received as in-patient
Pre-hospitalisation benefits
Pre-hospitalisation benefits before a covered confinement	30 days	90 days	30 days	30 days
Post-hospitalisation benefits
Post-hospitalisation benefits following a covered confinement	90 days	90 days	90 days	90 days
AIDS/HIV
Treatment of AIDS / HIV	Fully Covered if acquired during a covered service	$200,000 lifetime	$100,000 lifetime	$100,000 lifetime
Emergency Room Treatment
Emergency Room Treatment	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Emergency Dental Treatment
Emergency Dental Treatment to repair damage to sound natural teeth within fourteen (14) days of accident	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Local Transport by Ambulance
Transport to and from hospital prescribed by an attending physician	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Organ Transplant
Organ transplantation costs (human organs only)	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Direct cost of surgery to remove an organ for transplant from donor	30% of total transplantation cost	30% of total transplantation cost	30% of total transplantation cost	30% of total transplantation cost
Newborn Cover
Hospital treatment of acute disabilities, birth defects and/or congenital conditions which manifest in your infant within thirty (30) days following their birth	Fully Covered from birth	$200,000 up to a maximum of 90 days following birth	$100,000 up to a maximum of 90 days following birth	No Cover
Congenital Conditions
Hospital treatment of congenital conditions that manifest after your cover commences with us	Fully Covered	$200,000 lifetime	$100,000 lifetime	No Cover
Private Nursing, Home Nursing
Private nursing in hospital when certified necessary by treating physician	Fully Covered	Fully Covered	Fully Covered	No Cover
Home nursing prescribed by treating physician	$135 per day up to 40 days	$135 per day up to 30 days	$135 per day up to 30 days	No Cover
Hospital Cash Benefit
Where a covered confinement does not incur any accommodation and/or treatment costs	$300 per night up to a maximum of 60 nights	$200 per night up to a maximum of 30 nights	$100 per night up to a maximum of 30 nights	$100 per night up to a maximum of 30 nights
Rehabilitation Treatment
Rehabilitation treatment at an authorised rehabilitation centre	$355 per day up to 90 days	100 days	80 days	60 days
Chronic Conditions
Hospital Treatment of Acute episodes of chronic conditions	Covered as per sub-limits listed above	Covered as per sub-limits listed above	Covered as per sub-limits listed above	Covered as per sub-limits listed above
Hospital Treatment of chronic conditions on a maintenance basis. Palliative treatment of chronic conditions received as a day-patient or in-patient.	Covered as per sub-limits listed above	Covered as per sub-limits listed above	Covered as per sub-limits listed above	Covered as per sub-limits listed above
Hospice Care
Hospice or Palliative Treatment	$600 per day up to 90 days per year	$100,000 lifetime	$50,000 lifetime	$50,000 lifetime
Pre-Approved Medical Evacuation & Repatriation
Emergency Medical Evacuation and/or Medically Supervised Repatriation	$500,000 per event	$500,000 per event	$500,000 per event	$500,000 per event
Visit to Bedside by friend/relative	Single Trip Economy Class Ticket	Single Trip Economy Class Ticket	Single Trip Economy Class Ticket	Single Trip Economy Class Ticket
Return of dependant children	One Way Economy Class Ticket	One Way Economy Class Ticket	One Way Economy Class Ticket	One Way Economy Class Ticket
Return to Place of Work	One Way Economy Class Ticket	One Way Economy Class Ticket	One Way Economy Class Ticket	One Way Economy Class Ticket
Repatriation of Mortal Remains	$15,000	$15,000	$15,000	$15,000

Pallas Vs Lieva Outpatient Cover
Plan	Pallas	Lieva OP1	Lieva OP2	Lieva Network
Annual Limit	Same as selected Hospital & Surgical Plan Limit	Same as selected Hospital & Surgical Plan Limit	Same as selected Hospital & Surgical Plan Limit	$20,000
General Practitioners & Specialists
General Practitioner consultations	Fully Covered	Fully Covered	Fully Covered	Panel Network fully covered. Non-Panel Network $90 per consultation per day.
Specialists consultations	Fully Covered	Fully Covered	Fully Covered	Panel Network fully covered. Non-Panel Network $130 per consultation per day.
Physiotherapy prescribed by an attending physician	$100 per consultation	Fully Covered	$100 per consultation per day	Panel Network fully covered. Non-Panel Network $80 per consultation per day.
Psychiatrists for a mental and nervous condition	20 consultations per year	$5,000 lifetime	$3,500 lifetime	No Cover
Medicines and drugs
Medicines and drugs for which a physician’s prescription is required for purchase	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Diagnostic Tests prescribed by an attending Physician
Lab tests, analysis	Fully Covered	Fully Covered	Fully Covered	Fully Covered
X-Ray	Fully Covered	Fully Covered	Fully Covered	Fully Covered
ECG	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Scan and endoscopic exams	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Appliances
Hearing Aids	$500 per appliance per year	Fully Covered	Fully Covered	$2,000 per year. Requires authorisation from physician.
Slings and Bandages	Fully Covered
Arch Support
Rental of Medical Appliances
Complementary Medicine & Traditional Chinese Medicine
Combined Limit	$2,250	$1,000	$750	$500
Traditional Chinese medicine	$750 per year	Up to $150 per visit per day	Up to $100 per visit per day	Up to $80 per visit per day
Acupuncturist and bone setter	$100 per session up to 15 visits per year	Up to $150 per visit per day	Up to $100 per visit per day	Up to $80 per visit per day
Physiotherapist (without certification from an attending physician), chiropractor, osteopath, homeopath, podiatrist, speech therapist, dietician	$100 per session up to 15 visits per year	Fully Covered	Fully Covered	Fully Covered
Chronic Conditions
Out-patient treatment of acute episodes of a chronic condition	Covered as per sub-limit for each outpatient benefit listed above.	Covered as per sub-limit for each outpatient benefit listed above.	Covered as per sub-limit for each outpatient benefit listed above.	Covered as per sub-limit for each outpatient benefit listed above.
Out-patient treatment of a chronic condition on a maintenance basis
Medical check up & vaccinations
Medical check up	$1,000	$600	No Cover	No Cover
Vaccinations	Fully Covered	$300	No Cover	No Cover

Pallas Vs Lieva Maternity & Dental Cover
Maternity Benefits – Optional
Plan	Pallas	Lieva Maternity 1	Lieva Maternity 2	Lieva Maternity 3
Age band of cover	ONLY available to women between 19 to 45 years of age.
Delivery including pre and post natal treatment, vitamins and supplements prescribed by the attending physician, elective and emergency caesarean sections and up to seven (7) days of nursery care.	$15,000 per pregnancy	For Lieva plans it is necessary to select a Hospital & Surgical and Out-patient module with nil deductible.
	$15,000 per pregnancy	$15,000 per pregnancy	$10,000 per pregnancy	$5,000 per pregnancy
Dental and Optical Benefits – Optional
Dental – treatment performed or directed by a registered dentist
Plan	Pallas	Lieva Dental & Optical 1	Lieva Dental & Optical 2
Minor dental treatment	$1,000 per period of insurance	$1,000 per period of insurance	$1,000 per period of insurance
Major dental treatment, dental prostheses, dental surgery, periodontics	80% up to $2,500 per period of insurance	$2,500 per period of insurance	80% up to $2,500 per period of insurance
Optical
Eye examinations, prescription contact lenses & prescription lenses	$300 per period of insurance	$300 per period of insurance	$300 per period of insurance

	BUPA		Globalhealth
	ISM	IHHP	Pallas
Underwriting Terms for Groups	Always Underwritten	Always Underwritten	If 10+ employees, Medical History Disregarded
Staff annd dependents leaving the Group	No change to the plan	No Change to the Plan	Options for taking an individual plan depend on group numbers

GlobalHealth

Lieva is the newest plan to be launched by Globalhealth. Like Pallas Lieva is underwritten by Liberty International Insurance Ltd in Hong Kong.

General

Annual Limit US$2 million

Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions

Emergency evacuation and repatriation up to US$500,000 per event

Pre-hospitalisation fully covered 30 days before a confinement and post-hospitalisation fully covered up to 90 days following a confinement

Neonatal Disabilities covered up to $100,000 lifetime

Congenital Conditions covered up to $100,000 lifetime

Chronic conditions fully covered

Private nursing fully covered

Outpatient cover

See the Comparisons tab for more detail on the differences between the Lieva OP1 and OP2 tables as well as the Network Only option

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Pre-existing conditions

Your Pallas and Lieva policies can cover many pre-existing conditions, subject to prior disclosure and acceptance. Globalhealth will do its best to secure coverage for such conditions, often in return for your paying an additional premium.