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William Russell

Expat insurance in Indonesia since 1992

We’re an insurance provider taking a different approach to expat insurance. By putting our members at the heart of everything we do, we’re building an insurance experience that’s both personal and fair. That’s why we’re the insurance partner of choice for people living & working in Indonesia.

About our plans

We provide insurance plans for people living and working in Indonesia. We cover expats, individuals, professionals, families, remote workers, digital nomads, frequent travellers, startups, small and medium-sized businesses, large corporates, charities, and governmental organisations.

Based on 1517 member reviews

Health Insurance

Starting from

US$ 98 /month1

Access to the best hospitals and doctors, wherever in Indonesia you are. Our plans come with hospital treatment, cancer treatment, and emergency medical evacuation as standard.

Life Insurance

Starting from

US$ 39 /month2

Insure your life up to US$2m while you’re living in Indonesia. Our plans provide international cover, with early payment for terminal illness diagnoses and the option for accident cover.

Income Protection

Starting from

US$ 80 /month3

Secure a replacement income if injury or illness prevents you from working while you’re living and working abroad.

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What our members are saying

People around the world have relied on us for their health and financial security since 1992. From emergency medical evacuations to replacement incomes, we’re the original partner for expats.

Hands down the best International Health Insurance on the market. Fair premiums, amazing customer service and the fastest claim handling. Would recommend to any expat looking for an insurance.

Member with William Russell
June, 2021

I have used William Russell for my overseas medical insurance on and off for about 6 years and always found the staff to be very friendly, helpful, and always quick with any response.

Martin Clark, Member
November, 2020

Service and attention to detail has always been 1st class. During my illness in early 2020 nothing was too difficult and was always handled with due care and attention to detail.

Graham Allen, Member
November, 2020

Couldn’t be happier with the service and support I got from William Russell. They made my application for Insurance a breeze and nothing was too much trouble.

Member with William Russell
May, 2021

Get a quick health quote

Our expat health insurance plans start only from US$98 per member per month.1 You can get a quick quote online in under 60 seconds, and we can have your insurance plan active within 48 hours.


Who we cover

We provide international insurance to people of all nationalities living and working in Dubai. We cover expat professionals, remote workers, and expat families. We also cover expat employees of international businesses.


Professionals, remote workers, high-net-worth individuals, students, and frequent travellers for work or leisure.

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Expat couples planning a family or expats families with children already.

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Startups, SMEs, large corporates, charities, schools, governmental organisations, overseas branches.

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We’re discounting our health plans

We’re discounting the premiums by 15% when you purchase a new health insurance plan commencing on or before 31st December 2023.

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Why choose
William Russell

We’re a little different to other expat insurance providers. We don’t have call centres. You always speak to someone at William Russell. We have more people per member than anyone else.4 And we’re independently owned and run: we don’t answer to shareholders, investors or private equity.


If you’re not completely satisfied with your insurance plan, we’ll refund you in full if you cancel within 30 days.


We always aim to consider your claim within 5 working days.

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When you buy a plan with us, you’re insured with a company in the largest financial services group in the world.


We take your personal data very seriously. Our systems and practices have ISO 27001 certification and we’re GDPR compliant.


We’re regulated by the Financial Conduct Authority in the UK and the Financial Services & Markets Authority in Belgium.


1. For a 25-year-old living in Indonesia, purchasing a Bronze plan with standard excess and paying annually (annual premium $1,178.43). 2. For a 25-year-old living in Indonesia, purchasing a life benefit of US$500,000. 3. For a 25-year-old living in Indonesia, purchasing an income benefit of US$50,000 with a 6-month deferment period. 4. Based on LinkedIn data, February 2021.