It can be difficult to find a premium Hong Kong health insurance plan that meets all your coverage needs. Those who travel frequently know how important it is to be fully protected, both at home and overseas. If you have a busy schedule, you'll also want full freedom and flexibility, so you don't have to spend time thinking about your health insurance. Your health insurance plan should work for you, and not the other way around.
APRIL International's PallasHEALTH plan is specifically designed for discerning customers who want to get the most from their health insurance package. PallasHEALTH simplifies the process of selecting an insurance plan, while providing maximum freedom and coverage. Here's how it works:
Unlike our standard MyHEALTH plans, PallasHEALTH offers just one level of coverage per module, making the plan easy to set up. Simply start with a Hospital and Surgery module, then add optional modules from there. You can choose to add on outpatient, maternity, or dental and optical care, depending on your needs.
You'll be able to select your own medical providers and will enjoy comprehensive coverage for full peace of mind. Our Hospital and Surgery plans have a coverage limit of US$5,000,000, while our add-on modules offer a variety of other generous benefits. All our packages also include access to telehealth services through our Easy Claim app, so you can connect with a doctor in your own language at any time.
You'll pay a straightforward premium which will remain stable year after year. Our annual premium increases have been single-digit for the past five years, meaning there will be no surprises about what you are going to pay.
Our age-related premium increases are based on 10-year age bands, starting at 51 years old. From 71 years old onwards, there are no more age-related increases.
When choosing a high-end Hong Kong health insurance package, one key benefit for expats and frequent travellers is international coverage. If you're often on the go, an international health insurance package can save you a lot of hassle—no need to purchase separate coverage every time you leave home.
PallasHEALTH offers you two simple areas of coverage: Worldwide and Worldwide Excluding North America and the Caribbean. Within your chosen area of coverage, you'll have access to the same level of care as you would in Hong Kong. For care within the United States, you'll be fully covered within our network of partner hospitals if you select the 'Worldwide' coverage option.
Even if you move away from Hong Kong, there's no need to worry—you can simply take your PallasHEALTH plan with you. You'll be able to stay on the same policy, with no need to go through underwriting again.
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