fbpx

We’re here to help

Need to talk it over?
Call us on +44 1276 486477
or request a free call back here

Get an estimate online

What are you looking for?

Call +44 1276 486477
Request a callback

Insure

Get an estimate online

About our policies and cover

Get a quote online

About William Russell

For Brokers

Recommend a friend to William Russell and we’ll reward you with a $100 Amazon.com Gift Card. Find out more here

Your area of cover explained

We’ve made our areas of cover simpler from 2019. Please read on to discover our new zones for 2019.

If your plan started on or before 31 December 2018, please read our 2018 areas of cover.

Area of cover zones for plans starting from Jan 1, 2019

For full definitions of your zone, please consult the relevant 2019 plan agreement:

Zones 1, 2 & 3 are available on the 2019 Elite health plan.

Zones 4 & 5 are available on the 2019 Essential health plan.

For all plans, if Switzerland is or becomes the country of residence cover will automatically terminate from the renewal date after you take up residence in Switzerland.

 

 

Making our 2019 Elite Areas of Cover simpler

 

USA cover

You can add on USA cover options of temporary trips of 45 or 90 days cover to Zone 1.

Zone 2 restricted country list

EU countries, the UK, Andorra, Channel Islands, Gibraltar, Greenland, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Australia, China, Hong Kong, Japan, Macau, New Zealand, Singapore, Taiwan, The UAE, Canada, Caribbean Countries & Islands.

 

 

2019 Essential health zones

Our essential health plans have restricted cover and are available in certain regions only, in Africa and the Indian Subcontinent and in South East Asia. Please contact us to find out more.

The cover provided by your essential health plan is worldwide, subject to the following exclusions and restrictions:-

  • No cover in the United States of America, Canada, Caribbean countries & islands, and the London area
  • Limited cover in the restricted countries and regions stated below
  • Full cover in all other countries

Zones 4 & 5 restricted country list

EU countries, the UK (London has no cover at all), Andorra, Channel Islands, Gibraltar, Greenland, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Australia, China, Hong Kong, Japan, Macau, New Zealand, Singapore, Taiwan, The UAE.

 

If you have any further questions about your zone, please consult your 2019 health plan agreement, or please contact us.