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About William Russell

For Brokers

Brexit is happening. William Russell is ready. Find out how we are protecting our customers here.

Areas of cover

The area of cover is a feature of international health plans that you don’t typically find in domestic plans. The area of cover is the geographic or territorial limits of your plan. In short, it specifies in which countries you’re covered. Every health plan from William Russell has an area of cover. There are three zones, and you can choose any zone with any of our health plans (though Zone 3 is only available to residents of Indonesia). As a rule of thumb, a more restrictive zone means a greater saving on your premium.

Zone 1

You’ll have full cover under your health plan anywhere in the world, except the USA. There is no cover at all in the USA.

Zone 2

You’ll have full cover under your health plan in most countries around the world. In certain countries and regions* where the cost of private healthcare is high, your cover will be limited to accident & emergency treatment up to US$100,000. There is no cover at all in the USA.

Zone 3

You’ll have full cover under your health plan in most countries around the world. In certain countries & regions† where the cost of private healthcare is high, you’ll need to contribute 20% towards the cost of elective treatment. We’ll cover you in full for accident & emergency treatment up to US$100,000. There is no cover at all in the USA.

*United Kingdom, all countries in the European Economic Area, Andorra, the Channel Islands, Gibraltar, Greenland, Monaco, San Marino, Switzerland, the UAE, Singapore, Thailand, China, Hong Kong, Macau, Taiwan, Japan, Australia, New Zealand, Canada, and the Caribbean countries and islands.

China, Hong Kong, Macau, Taiwan, Japan, Singapore, Switzerland, and the London area.

Please note that these areas of cover are for health plans that commence on or after 01 January 2020.

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