If you need to make any changes to your Global Health plan, please contact us or click on the links below for further information.
During UK working hours
Tel: + 44 1276 486455
Fax: + 44 1276 486466
customer.service@william-russell.com
Changing your plan type, area of cover or excess
If you wish to transfer into a Global Health plan with fewer benefits, increase your excess, and/or reduce your area of cover, you must tell us in writing and we will make the change from your next renewal date, (not before). You cannot reduce your cover during your period of cover.
If you wish to apply for a Global Health plan with a wider range of benefits, and/or reduce your excess and/or increase your area of cover you must complete a new application form and make a full declaration of any change in your state of health since your date of entry.
Adding a new dependant
If you wish to add your spouse or partner or child to your plan, you must complete a new application form. We will not commence cover for a new dependant until we have accepted your application for that new dependant, and until we have received payment of their premium. We will calculate their premium based on their age at their date of entry.
Adding newborns
There is no automatic cover for newborn children. (However there is up to a maximum of 28 days cover for a child born to a mother who has been insured by the Platinum plan or the Gold plan for a minimum period of 12 months).
You must complete a new application form and neonatal questionnaire in respect of all newborn children, and submit these to us along with the newborn’s discharge summary. We may accept this new application with or without special terms, or we may refuse to accept this application at our sole and complete discretion and without being required to give any reason for our decision.
Changing your address and country of residence
You must tell us if you change your address and if you change your country of residence. Please complete our online change of address form. Your country of residence is the country in which you are habitually resident.
Changing your plan currency
Once cover under your plan has commenced, you cannot change your plan currency. If you wish to change your plan currency, you will have to apply for a new Global Health plan and you will be given a new date of entry. The pre-existing condition exclusion will apply from your date of entry to your new plan, and any waiting periods will start from your new date of entry.
In the event of the death of an insured person
Please inform us as soon as possible in the event of the death of an insured person. If no claim has been made on the insured person’s plan, any unused premium from the date of death will be refunded. However, if the deceased member has made a claim on his or her plan, no premium refund will be made, and, if premiums are paid monthly, quarterly or semi-annually, we will deduct any unpaid future instalment premiums from any claim payment we make.
Cancelling your Global Health plan
If you decide to cancel your Global Health plan you must tell us in writing and we will cancel your cover from the date on which we receive your instruction to cancel your cover, (not before – you cannot backdate the cancellation of your membership), or from a date in the future advised by you. Provided you have not submitted a claim in respect of your current period of cover, we will refund the unused portion of your premium. If you have submitted a claim, no premium
refund is due.