PallasHEALTH, your premium health insurance in Hong Kong and abroad

PallasHEALTH Hong Kong is a very straightforward plan. It is composed of 4 modules that you may pick and choose. The Hospital & Surgery module will be the basis of your plan. You may then choose to add Outpatient, Maternity and Dental/Optical modules. You also have the option to add a deductible to your plan and choose your area of coverage. Finally, worldwide emergency assistance services are included in all plans.

We offer 2 options for your area of cover: Worldwide or Worldwide excluding North America and the Caribbean. This means that you will receive the same level of coverage whether you seek treatment in Hong Kong or abroad.

We also offer portability options for PallasHEALTH – meaning you can take your plan with you to most countries worldwide if you are relocating.

PallasHEALTH Hong Kong works great as a top-up plan if you are currently covered by a local or company-provided health insurance that simply doesn’t meet your needs. If you add a deductible to your plan, any hospital treatments your existing plan pays for will count towards your deductible, and you can also include additional optional benefits – such as outpatient or dental/optical for instance – to improve your protection.

Here’s how a deductible works: should you be hospitalised, your local plan will cover you up to its limit, and we will cover the remaining cost of hospitalisation (up to your annual limit, which is US$5,000,000). If you opted for additional modules, PallasHEALTH may also cover you for the benefits that are not included your local plan.

To apply for a PallasHEALTH plan, you must be residing in Hong Kong and aged 60 or below at the time of the application. We offer lifetime renewals.