Global Health Plans for Individuals & Families

The Global Health plans cover you anywhere in the world, so you are free to choose where you receive medical treatment. Since treatment in the USA is particularly expensive, we have made USA cover optional, so you don’t have to pay for cover you don’t need.

 

The Global Health plans will follow you across borders if you need to move countries, even to places other insurers won’t go. So if you need medical treatment in a far-flung corner of the world, we’ll be there to help.

Essential Care

Our most cost-effective plan, Essential Care is ideal for those on a budget. It covers all the major medical costs if you are admitted to hospital.

Plan Details
  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue translplants

  • Full cover for reconstructive surgery

  • $2,500 cover for post-hospital out-patient treatment

  • $5,000 cover for emergency in-patient dental treatment

  • Cover for road ambulances

  • Freedom to choose where you receive treatment within your region

Essential Care Plus

Essential Care Plus comes with all the benefits of Essential Care, PLUS cover for out-patient treatment, complications encountered during pregnancy, and higher benefit limits.

Plan Details
  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • $10,000 cover for out-patient treatment

  • $5,000 cover for complications encountered during pregnancy

  • $10,000 cover for emergency in-patient dental treatment

  • Freedom to choose where you receive treatment within your region

Elite Bronze

Plan Details
  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Post-hospital out-patient treatment

  • Full cover for advanced diagnostic tests (MRI, CT, PET etc.)

  • $4,800 cover for complications encountered during pregnancy

  • Full cover for emergency ward treatment received as a result of an accident

  • $50,000 cover for psychiatric care (lifetime limit)

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

Elite Silver

Plan Details
  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Full cover for out-patient treatment, tests and consultations

  • Full cover for chronic conditions

  • $300 well-being benefit (check-ups, optical tests, vaccinations etc.)

  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist

  • Full cover for emergency in-patient dental treatment

  • $75,000 cover for treatment for HIV & AIDS

  • $15,000 cover for complications encountered during pregnancy

  • $10,000 cover for the treatment of newborns

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

Elite Gold

Plan Details
  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Full cover for out-patient treatment, tests and consultations

  • $10,000 cover for routine maternity care

  • Full cover for for complications encountered during pregnancy and childbirth

  • $100,000 cover for the treatment of newborns

  • $550 well-being benefit (check-ups, optical tests, vaccinations etc.)

  • Full cover for chronic conditions

  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist

  • $1,000 cover for routine dental treatment

  • Full cover for emergency in-patient dental treatment

  • $100,000 cover for treatment for HIV & AIDS

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

Our most cost-effective plan, Essential Care is ideal for those on a budget. It covers all the major medical costs if you are admitted to hospital.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue translplants

  • Full cover for reconstructive surgery

  • $2,500 cover for post-hospital out-patient treatment

  • $5,000 cover for emergency in-patient dental treatment

  • Cover for road ambulances

  • Freedom to choose where you receive treatment within your region

Essential Care Plus comes with all the benefits of Essential Care, PLUS cover for out-patient treatment, complications encountered during pregnancy, and higher benefit limits.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • $10,000 cover for out-patient treatment

  • $5,000 cover for complications encountered during pregnancy

  • $10,000 cover for emergency in-patient dental treatment

  • Freedom to choose where you receive treatment within your region

The Bronze plan protects against all the major medical costs you'll encounter when you are admitted to hospital or if you require emergency medical evacuation.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Post-hospital out-patient treatment

  • Full cover for advanced diagnostic tests (MRI, CT, PET etc.)

  • $4,800 cover for complications encountered during pregnancy

  • Full cover for emergency ward treatment received as a result of an accident

  • $50,000 cover for psychiatric care (lifetime limit)

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

Silver is our most popular plan, providing all the cover of Bronze PLUS additional benefits, including cover for out-patient treatment and chronic conditions.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Full cover for out-patient treatment, tests and consultations

  • Full cover for chronic conditions

  • $300 well-being benefit (check-ups, optical tests, vaccinations etc.)

  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist

  • Full cover for emergency in-patient dental treatment

  • $75,000 cover for treatment for HIV & AIDS

  • $15,000 cover for complications encountered during pregnancy

  • $10,000 cover for the treatment of newborns

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

The Gold plan is our most comprehensive plan, with generous benefit limits, cover if you need maternity care, and cover for routine dental care.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Private hospital accommodation & treatment

  • Full cover for treatment of cancer

  • Emergency medical evacuation & 24/7 emergency medical assistance

  • Full cover for organ, bone marrow & tissue transplants

  • Full cover for reconstructive surgery

  • Full cover for out-patient treatment, tests and consultations

  • $10,000 cover for routine maternity care

  • Full cover for for complications encountered during pregnancy and childbirth

  • $100,000 cover for the treatment of newborns

  • $550 well-being benefit (check-ups, optical tests, vaccinations etc.)

  • Full cover for chronic conditions

  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist

  • $1,000 cover for routine dental treatment

  • Full cover for emergency in-patient dental treatment

  • $100,000 cover for treatment for HIV & AIDS

  • Freedom to choose where in the world you receive medical treatment

  • Worldwide cover (cover in the USA is optional)

Optional Benefits

These plan details are intended as a summary only, please read the full plan details before enrolling.

Global Travel Plan

For little extra cost you can add the optional Global Travel plan, which provides cover for your baggage and personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged

Personal Accident Plan

The low-cost optional Personal Accident plan is available to both you and your partner when you take out a Global Health plan.

The Personal Accident plan will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

Direct Billing

For residents of China and Hong Kong, our plans come with the option of direct settlement for out-patient treatment.

This means we will guarantee payment when you visit a medical facility. We will settle your bill directly with the facility, so that you do not have to pay for any expensive medical treatment.


On presentation of our membership card at a medical facility in China or Hong Kong, you will receive treatment for eligible routine and minor conditions without having to pay any bills or submit a claim form to us.

You can see our list of current network providers on our Direct Billing page.

Cover in the USA

The Global Health plans do not provide cover in the USA. However, the following options are available to customers on the Elite plans.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Semi-Private Room

All Global Health Elite plans offer private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of insurance...

  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you'll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we'll settle within 3 days. You can call us at any time if you have any questions, and you'll find our claims team helpful and efficient.

  • It's easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we'll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    The Global Health plans are portable, wherever you are in the world. So if you need to change your country of residence at short notice, or if you need to return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your Global Health plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover it.

  • 30-day money back guarantee

    If you're unhappy with anything at all, we'll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Frequently Asked Questions

How do I apply for a Global Health plan?

You can submit an application within 15 minutes through our online application form.

Alternatively, you can download an application form from our Document Library. You can print and return your completed form to sales@william-russell.com, or you can fax it to +44 1276 486466.

On receipt of an application form, most customers can have cover in force within 24 hours. Once you have submitted your application, one of our insurance professionals will be in touch.

Do I need to have a medical?

No. However, you will need to answer some health questions on the application form. You must give full, complete and accurate answers to these questions, as we rely on the information you give us to process your application.

How can I pay my premiums?

If you pay your premium annually, you can pay by credit or debit card, bank transfer, or cheque.

If you pay your premiums half-yearly, quarterly or monthly, you must pay by credit or debit card, or, if you are paying in GBP Sterling from a UK bank account, you can pay by direct debit.

Our plans are available in US Dollars, Sterling and Euros.

Which credit and debit cards do you accept?

We accept VISA, MasterCard, AMEX, Switch, Visa Delta, and Maestro.

Is it more cost-effective to pay monthly or annually?

You can save around 5% on your premium by paying annually.

Does my claims history affect my premium?

Your Global Health plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover it.

Once your plan is in force, however, your personal claims and medical experience will not affect your renewal premiums.

What is the maximum age limit for applications?

You must be under age 70 when you apply for a Global Health plan, but once you have joined there is no age limit.

We can continue to renew your plan for as long as you require cover.

For how long will my Global Health plan last?

Our Global Health plans are annually renewable.

We can offer you renewal for as long as you require cover, regardless of your claims or medical experience while you are a customer with us.

Do the Global Health plans have any country exclusions?

The Global Health plans are available worldwide, but your cover is restricted to the area of cover stated on your certificate of insurance.

What documents will I receive from William Russell when I take out a plan?

As soon as your plan is in force, we will send you your plan documents.

If you agree to accept all your documents by email, we will donate $5 to our support charity, Oxfam.

Will I receive a membership card?

We can issue you with a plastic membership card. If you opt to receive your plan documents by email, however, we will send you a paper membership card which you can cut out and keep in your wallet or purse. We will then donate $5 to our support charity, Oxfam.

Do you cover people who are based in their country of nationality?

The Global Health plans are designed for expatriates and international citizens who either live, or spend long periods time travelling, overseas.

For instance, if you are a German based in Berlin, but you spend long periods of time travelling for work or pleasure outside of Germany, we will be able to offer cover.

If you are based overseas but your family remains at home, we will be able to offer cover to both you and your family.

For more information, please contact one of our insurance professionals. Send an email to sales@william-russell.com or call +44 1276 486477.

What happens if I need to move country?

The Global Health plans are portable and worldwide. So if you need to change your country of residence at short notice, or if you need to return home temporarily, we can continue your cover.

Do you cover professional sportspeople?

We are unable to cover injury or illness arising from participation in any kind of professional sport. In addition, we do not offer cover for any injury or illness arising in participation from any form of racing (amateur or professional) that involves the use of a motorised vehicle.

How would I cancel my plan?

We think you'll like being a customer of William Russell.

If you wish to cancel your plan with us, however, you can do so at any time by sending an email to enquiries@william-russell.com. Alternatively, you can write to us. If you have not made a claim, we will offer a pro rata refund on the remainder of your premium.

If you're unhappy with anything at all in your first 30 days of cover, we'll refund your premium provided you have not made a claim.