Insurance plans for expats in Hong Kong

Affordable health, life and income cover that you can count on from William Russell.

- Health Insurance
- Life & Income Protection

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At William Russell, we’re not trying to be just another insurance company

We are a global specialist in health, life and income cover for international citizens. We’re renowned for our fair historic pricing and simple, straightforward communication. And we pride ourselves on our comprehensive cover for cancer treatment, with a fast response and minimal paperwork.

If you’re moving to Hong Kong, or you’re already an expat, we have a direct billing network that covers all areas of the country. With our local office, we have a wealth of knowledge about insurance in Hong Kong.

International Health Insurance

  • Full, flexible cover in Hong Kong and abroad
  • Innovative plans to suit your needs
  • Comprehensive cover for cancer treatment
  • Prompt payments made directly to the provider
  • Cover for long-term conditions*
  • Access to hospitals worldwide

*Please note: Pre-existing medical conditions and related conditions are excluded.

Get a health quote

Our health plans

Essential

Regional access to private medical care,
at an affordable premium.

Elite

Access to private medical care,
wherever you travel in the world.

Essential Care Essential Care Plus Elite Bronze Elite Silver Elite Gold
Annual benefit limit US$250,000 US$500,000 US$1,500,000 US$2,500,000 US$5,000,000
Cover area Within region Within region Worldwide Worldwide Worldwide
Inpatient cover annual limit Full cover Full cover Full cover Full cover Full cover
Emergency evacuation (Medevac) Full cover Full cover Full cover (Medevac plus available) Full cover (Medevac plus available) Full cover (Medevac plus available)
Cancer care Full cover Full cover Full cover Full cover Full cover
Routine maternity care and childbirth (10-month waiting period) Not covered Not covered Not covered Not covered US$15,000 per pregnancy
View full plan details Essential Care Essential Care Plus Elite Bronze Elite Silver Elite Gold

Elite

Access to private medical care,
wherever you travel in the world.

Elite Bronze Elite Silver Elite Gold
US$1,500,000 US$2,500,000 US$5,000,000
Worldwide Worldwide Worldwide
Full cover Full cover Full cover
Full cover (Medevac plus available) Full cover (Medevac plus available) Full cover (Medevac plus available)
Full cover Full cover Full cover
Not covered Not covered US$15,000 per pregnancy
Elite Bronze Elite Silver Elite Gold

Click on the links above to learn more about the cover provided on each plan type.

Please note: Pre-existing medical conditions and related conditions are excluded.

International Life & Income Insurance

  • Life coverage up to US$1,500,000
  • Income Protection up to 75% of your salary (up to US$144,000)
  • Personal Accident cover up to US$500,000
  • Take your cover with you, wherever you go
  • Fair. We don’t hide the details in small print

Get a life quote

Our life & income plans

LIFE

A Global Life plan provides affordable life insurance cover to safeguard your family.

ACCIDENT BENEFIT

You may increase the amount of cover you have in respect of an accident by applying for the Global Accident plan.

INCOME PROTECTION

The Income Protection plan pays you a regular income if you become unable to work due to an illness or injury.

Insure up to 20x your salary up to US$1,500,000 (limited to 5x for group policies) Up to US$500,000 additional accident cover Cover up to 75% of your salary, subject to a maximum of US$144,000
Portable worldwide coverage Only available when bought with a Global Life plan Choice of a 3 or 6-month deferment period
Cover available for customers aged 18-69 If you die in an accident, your family receives additional benefit Regular benefit paid if you're unable to work due to accident or illness
Annual cover you can adjust as your circumstances change Receive lump-sum benefit if you're seriously injured Regular benefit paid until you're able to return to work, age 65 or death, whichever comes sooner
Life Accident Benefit Income Protection

Click on the links above to learn more about the cover provided on each plan type.

Please note: Pre-existing medical conditions and related conditions are excluded.

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