April International

UniversalHealth 100 FAQ

UniversalHealth 100 FAQ

Claims Related Questions

How do I submit a claim and what information is required?

If not using Out-patient Direct Billing, members will have to pay for the treatment and then claim for reimbursement.  Patients should ensure that bills include required information from the doctor’s office, laboratory, or pharmacy for the claim to be considered. Here is a summary of the basic details required:

  • Name of the patient
  • Date of treatment
  • Doctor’s name, professional qualifications and clinic address
  • The sum paid by the patient
  • An explanation of the services rendered and the charge for each
  • The diagnosis or other reason for the visit

A laboratory and pharmacy bill should normally be submitted with the bill from the doctor who prescribed/ordered it.  If not, the client should submit a copy of the prescription, a doctor’s report or a fully completed claim form showing the diagnosis and date(s) of treatment.

Section A of the Medical Claim Form always required? Yes. We need to identify who is making the claim.

Section B of the Medical Claim Form always required? Yes. It tells us when and how the illness/accident occurred.

Section C of the Medical Claim Form required? Yes, only if the claim is for emergency, or involves complex treatments/tests or major illness.

Is it possible for GlobalHealth Asia to pay the medical provider directly?

Yes, in many cases GlobalHealth Asia can arrange to pay the provider directly, both for out-patient treatments and hospitalisation. Out-patient direct billing is available to members insured under nil deductible policies with Out-patient benefits.  Out-patient direct billing entitles members to enjoy “cashless” access at clinics that are in our network by simply presenting your member card when you arrive at the clinic.  The clinic will contact us to verify your membership.

For hospitalizations, GlobalHealth Asia can arrange to issue a Letter of Guarantee (LOG).  The LOG guarantees the medical provider that we will pay your medical expenses for a particular procedure and hospital stay.

A Letter of Guarantee can be set up for any hospital confinement or surgery anywhere in the world.  Please inform us as soon as possible, preferably 3 to 5 working days in advance so we can make the necessary arrangements prior to your admission.

For further information on this, please review the Claim Instructions Guide that can be found under the Forms and Downloads section.

Where can I find a list of Direct Billing Network Providers?

For the most updated list, please click here.

How long will it take to pay my claim?

Provided full information is received, the usual turnaround time for standard claims is five (5) working days.

Where is my claim processing center?

Your claims are processed in Hong Kong.

Enrollment Related Questions

How long does it take to issue a policy?

The usual turnaround time for a new UniversalHealth 100 Medical Insurance Plan policy and card issuance is five (5) working days.

Where can I obtain an Application Form?

Click here to download a UniversalHealth 100 Medical Insurance Plan from the Forms and Downloads section.

What if I relocate to another country or return permanently to my home country? Will my policy remain effective?

Your UniversalHealth 100 Medical Insurance Plan policy is renewable up to the age of 100, even if you no longer reside in Hong Kong. It is a policy requirement that you notify us of your change of residence. Whenever possible, please notify us before you relocate. Failure to do so may jeopardize your coverage. Additionally, depending on your country of residence your premium may increase. Please contact GlobalHealth Asia directly or have your Insurance Representative contat us and we will be happy to assist.

General Questions

Who is eligible for cover under the Pallas GlobalHeath medical insurance plan?

The primary person covered by this insurance plan must be a resident of Hong Kong over 18 years of age.

Are there any age limits for coverage?

The minimum age at entry for individual enrolment is 18 years. Children below age 18 may be covered only as dependants on their parent's or guardian's policy. The maximum age at entry is 65 years. The plan is renewable up to age 100.

Does the plan renew automatically?

Yes. The UniversalHealth 100 Medical Insurance Plan is a year long guaranteed renewable insurance contract that renews automatically up until your 100th birthday. 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.

Are pre-existing conditions covered?

Yes, some pre-existing conditions may be covered and may require a premium loading or a cap on benefits.

What coverage is available for Chronic Conditions?

The UniversalHealth 100 Medical Insurance Plan offers comprehensive, full reimbursement coverage for many pre-existing conditions even on an out-patient basis.

The application requires that I complete a supplementary medical questioinnaire. Where do I find these?
May I cancel my policy?

GlobalHealth Asia wants you to be completely satisfied with your medical insurance coverage. We therefore offer a 21-day "Free Look" period within which (provided there have been no claims) you may cancel your policy for a full refund.

Will my premiums increase with age?

Premiums will increase every year. Your premium is based on your age at policy inception and at each subsequent renewal.

Are any other premium increases applicable?

Yes, your premiums will increase in line with medical treatment inflation.

Who do I contact in case of an emergency?

On the back of your member card, you will find the 24-hour number to our emergency assistance provider. They are always available to assist you with any medical emergency. 

How does the UniversalHealth 100 Medical Insurance Plan compare to my existing medical insurance coverage?

The UniversalHealth 100 Medical Insurance Plan is a comprehensive and innovative global medical insurance plan designed for individuals, families, corporations, and associations based in Hong Kong. We would be pleased to take a look at your existing medical insurance plan and provide you with a detailed comparison.

Can’t find the answer to your question? Click here to submit a question.

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