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About William Russell

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Group cover for 3-9 employees

We insure groups of 3+ employees on our international private medical insurance and our global life & income protection plans. All our plans can be taken stand-alone, or you can combine health and protection cover with us. With us, you will have a dedicated business account manager and when you or your employees need to make a claim, you’ll always get straight through to a person – we don’t have call centres.

Health & protection plans for 3-9 employees

Explore our health, life & income protection employee benefits for groups of 3-9 employees, with group discounts available.
We also cover groups of 10-39 employees and 40+ employees.

Essential health cover

Essential Care and Essential Care Plus provide health cover in regions where the cost of treatment is generally lower than the rest of the world and this is reflected in our rates. The Essential plans are available in Africa, South America, Eastern Europe, Southeast Asia and parts of the Middle East.

Essential Care provides US$250k and Essential Care Plus provides US$500k total annual cover

We offer FMU, MORI & CPME underwriting terms on Essential plans for groups of 3-9 employees.

Underwriting terms explained

Elite health cover

In addition to full cancer cover, in-patient and day-patient treatment and also Medevac, the Elite plans all include kidney dialysis, and the Silver and Gold plans include well-being* and well-child cover*, cover relating to pregnancy and childbirth* as well as the option to enhance dental and optical benefits. *waiting periods apply.

The Elite Bronze plan offers US$1.5m total annual cover. Elite Silver US$2.5m and Elite Gold US$5m total annual cover.

We offer FMU, MORI & CPME terms for the Elite health plans to groups of 3-9 employees.

Underwriting terms explained

Group protection plans

Our group income protection plan provides financial security for your employees in the event of illness, injury or death.

Our life cover provides financial security for the family, if an employee dies from injury or illness. Accident benefit enhances life cover further, where death is caused by an accident.

The protection plans offer Life Cover up to US$2m, Accident Benefit Cover up to US$500k and Income Protection up to US$200k.

Group plans & benefits

Our flexible group cover is available to groups of three or more employees, and you can include cover for dependents, too.

Call our dedicated group team for an estimate today.

Please note that pre-existing medical conditions and related conditions are not covered by our plans, unless you have told us about them and we have agreed to cover them.  

We cannot provide cover if your business is based in Iran, North Korea, Libya, South Sudan, Syria, Switzerland, Yemen, USA, Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal or Togo.

 Our policies are not available to residents of the United States of America but provided you are not a resident of USA, you can add cover for temporary trips to the USA, subject to a limit of  $100,000 and a maximum period of 45 days, or subject to a limit of $250,000 and a maximum period of 90 days.

Upgrades & add-ons

Employee benefit upgrades

Optical and dental benefits, well-being boosts, enhanced maternity and temporary USA cover are some of the ways you can tailor our health plans.

Global personal accident add-on

Provides a cash benefit if an employee dies or if they lose their sight, a limb, or become totally and permanently disabled as a result of an accident.

Global travel add-on

Provides global travel insurance protection for employees' personal belongings, as well as cover for travel delays, trip cancellations and curtailment.

Choice of area of cover

In some parts of Africa and the Indian Subcontinent, you can choose Restricted area of cover, giving you comprehensive, high-level benefits but at a premium in line with medical treatment costs in the region.

Quote concierge

Get a no-obligation quote today. Tell us when you would like a member of our UK based team to call you:

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