You’ve created your dream lifestyle overseas for you and your family. But if you do not have expat insurance, you may find that your lifestyle may be turned on its head if the unexpected happens.
That doesn’t have to mean serious illness either. Sometimes as simple as a sprained ankle or an infected insect bite could cost you thousands of dollars if you do not have medical insurance in place.
Our Health, Life and Income protection plans are designed for expats, can be shaped around your specific lifestyle and needs. Find out more on how we calculate our insurance premiums.
Average cancer costs $304,7901 from diagnosis to treatment completion. Cancer is covered in full on all our health plans.
Annual diabetes treatment costs $1,4922 in Hong Kong. Type-2 diabetes is increasingly common and can develop at any time.
On average maternity treatment $15,2893 in Hong Kong for an uncomplicated delivery.
Childhood / adolescent vaccines cost around $1,6304 in HK. We offer well-child and maternity benefits on selected plans (waiting period apply).
Emergency services can charge you as much as $2,7005 for as little as a 2 mile journey in the US. We cover road ambulance in full on all our Elite plans.
The average cost of Medevac is US$25,0006 depending on whether you are able to board a commercial flight.
Overnight hospital stay
Overnight stays in a private room in a Hong Kong hospital costs $5007 with an additional deposit of $7,644 for non-residents. We cover this in full with our Elite plans in Hong Kong.
Household debt average
The average household debt is $63,2158. Would your family be able to cover your debts or outgoings if anything happened to you?
One month’s rent costs $6,0569 in Luanda – our maximum life cover benefit is now $2m so your family’s future can be secured.
What’s the William Russell difference?
With more than 28 years’ experience in global insurance. William Russell has built up an international reputation for personal service, fair prices, and clear communication.
Here is how we can help expats like you…
Health plans are designed with expats in mind. We work with medical providers and offer different levels of cover – allowing you to choose a plan that suits your lifestyle.
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Life cover is designed for expats who wish to safeguard the financial future of their family. If you are diagnosed with a terminal illness, the plan allows for early payment of the Life benefit upon diagnosis where the prognosis is 12 months or less.
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Income protection plan is easy to apply for and allows you to receive a regular income benefit if you are unable to work due to illness or injury. With William Russell, you can protect your family’s lifestyle.
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Sources: 1. https://www.thenational.ae/uae/health/uae-patients-pay-the-price-of-rising-costs-of-cancer-care-1.674852 | 2. https://www.researchgate.net/publication/251651252_Cost_of_Type 2_diabetes_mellitus_in_Hong_Kong_Chinese | 3. https://blog.credit.com/2017/04/my-2-mile-ambulance-ride-cost-2700-is-that-normal-169987 | 4. https://vaccines.com.hk/en/img/vaccine-plan.pdf | 5. https://gleneagles.hk/user_uploads/Room-Rate-Deposit-20180315.pdf | 6. William Russell claims data 2017-2018 | 7. https://www.cnbc.com/2017/06/20/most-expensive-cities-for-expats.html | 8. WR claims data 2017-2018 | 9. https://www.cityam.com/1411501631/debt-map
William Russell is a trading name of William Russell Ltd, which is authorised and regulated in the UK by the Financial Conduct Authority, and William Russell Europe SRL, which is registered in Belgium with the Financial Services & Markets Authority. We provide insurance plans on behalf of AWP Health & Life SA, an Allianz group company registered in France, and AWP P&C SA UK, an Allianz group company registered in the UK. We’re here to help our customers, but we don’t offer insurance advice.