Save money with our lifetime discounts
At William Russell, we’re running a few different promotions to help save you money:
- New members in these countries receive a 20% lifetime discount when they purchase health insurance: Cambodia, Laos, Malaysia, Myanmar, Philippines, Vietnam, China, Japan, Macao, Mauritius, Malawi, Botswana.
- New members in the UAE receive a 16% lifetime discount when they purchase health insurance.
- New members anywhere in the world receive a 15% lifetime discount when they purchase life insurance or income protection.
What is a lifetime discount?
A lifetime discount applies to the first year of your policy and all subsequent years when you renew your policy. It’s different to a first-year discount, which only applies when you first purchase your policy.
It’s great knowing that your discount is locked in for the lifetime of your policy. For as long as you renew your policy and you stay with William Russell, you’ll keep your discount.
Even better, making a claim on your policy doesn’t affect your entitlement to the discount.
Why are we offering lifetime discounts?
Insurance premiums have been rising steadily for the past few years thanks to medical inflation. That’s the cost of healthcare, which is rising due to advances in medical technology (e.g., cancer screening and treatment).
While these advances are great, they’re very expensive. The cost of such treatments drives up insurance premiums. On top of medical inflation, the cost of living crisis has affected people’s wallets and put a strain on the budgets they allocate for insurance.
We’ve decided to help out by reducing premiums for health insurance in some of our most popular countries, and in all countries for life insurance and income protection.
How much can I save?
Health Insurance Discount
Save 20% on your premiums now and every time you renew your policy!
Available to members living in Cambodia, Laos, Malaysia, Myanmar, Philippines, Vietnam, China, Japan, Macao, Mauritius, Malawi & Botswana
Health Insurance Discount
Save 16% on your premiums now and every time you renew your policy!
Available to members living in the United Arab Emirates
Life & Income Protection Insurance Discount
Save 15% on your premiums now and every time you renew your policy!
Available to members living anywhere in the world
Note: 20% lifetime discount is only available with annual excess of US$1,000 or under.
In 2022, our average premium for an individual purchasing a policy was around US$3,300. The 20% lifetime discount would save US$660, leaving a premium of US$2,640.
Example saving over 10 years
Over a period of 10 years, the savings can be considerable. Let’s say that you purchase a policy for US$3,300 and your premiums go up 10% each year (due to medical inflation and you getting older).
Here’s a graph showing the comparing your premium trajectory with and without the 20% lifetime discount:
By 2033 (10 years into your policy), you’ll have saved US$12,231 thanks to the 20% lifetime discount.
How do I get the lifetime discount?
We apply the discounts automatically to your quotes. The prices you see when you request a quote online include the discounts, and any quotes that our team provide to you include the discounts too!
Ready to start saving?
We’re a healthcare partner, not just an insurance provider
There’s a reason why we’re the insurance partner of choice for expats living and working abroad. With over 30 years’ experience providing cover for expats and digital nomads living overseas, our members are at the heart of everything we do.
Our policies are comprehensive and easily personalised to give you the right level of cover you need to suit your individual circumstances, lifestyle, budget and the region you’re planning to move to. William Russell offers international health insurance that can cover you for everything from minor injuries to long hospital stays, and we even offer medical evacuations to patients who require emergency life or limb-saving treatment where it’s not available locally.