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We’ve been supporting businesses of all sizes with their employee benefits packages since 1992. Providing international group health insurance to your employees not only ensures their well-being but can also contribute to your organisation’s success.
Teresa Wighton
Commercial Director
Demonstrate your commitment to employee well-being by providing group health insurance to ensure your international workforce remains healthy, productive, and supported—wherever in the world they are working.
With international group health insurance, your employees will benefit from private medical treatment, including:
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International group health insurance is a private health insurance policy that provides medical coverage for businesses with expat employees, remote teams, or globally mobile staff. Also known as International Private Medical Insurance (IPMI) or International Company Health Insurance, it ensures employees can access high-quality healthcare worldwide, covering routine care, specialist treatment, hospital stays, and emergencies. Unlike local or domestic health insurance policies, group health insurance with international coverage offers flexibility, financial protection, and helps attract and retain top talent by supporting employee well-being across multiple locations.
Providing a benefits package for your employees shows that you’re serious about the values and culture of your organisation. Employee health cover with William Russell can support and engage your team with:
Your employees will benefit from international health insurance that covers private medical treatment—including doctor visits, consultations, and well-being care. We can also provide cover for pregnancy and childbirth, dental care, and optional extras such as personal accident insurance cover.
Your employees are covered internationally for life, work, and travel abroad. They can choose any doctor or clinic within their coverage zone, and our 24/7 emergency helpline provides medical evacuation for life or limb-threatening conditions if local treatment isn’t available.
Our Elevate services take your employees’ insurance experience to the next level. They’ll have complementary access to services like our online doctor, counselling, travel security assistance and digital well-being support—helping them live a healthier, happier, safer life, wherever they are in the world.
All our international group health insurance plans include the following essential benefits.
If one of your employees are admitted to a hospital for eligible treatment, we’ll cover them for:
We don’t place any such restrictions on where employees receive medical treatment. This means they’ll always have access to the top-rated hospitals and medical clinics within your selected coverage zone.
Cancer can affect people anywhere, at any time. So no matter which health plan you select for your employees, we’re committed to providing the strongest benefits to give them the best chance of overcoming cancer.
When employees need eligible treatment for cancer, we’ll cover them for:
We’ll also cover them for cancer genome testing, which sequences the genes of your cancerous cells to help determine the best course of treatment.
Finally, cancer is a condition that patients must often learn to live with. So we also provide benefits for wigs following chemotherapy, counselling with a psychologist, and consultations with a dietitian.
Health insurance isn’t just for serious health issues. What about when your international employees just want to pop to the local doctor’s surgery or the pharmacy? All our plans* include cover for outpatient treatment (i.e. medical treatment for which you don’t need to be admitted to hospital), including:
*With the Bronze plan, employees are only eligible for outpatient cover following discharge from hospital for inpatient treatment.
If one of your global workforce has a life or limb-threatening medical condition and the treatment they urgently need isn’t available locally, we’ll evacuate them by road, sea or air to the nearest location within their coverage zone to ensure they get the medical treatment they need.
All of our health plans also include the following additional ‘expat’ benefits:
Take their insurance one step further
Our group health insurance policies now include Elevate, a curated selection of complimentary services offering total support for your employees’ health, mind, well-being and safety.
Elevate gives members access to services including online doctor consultations, counselling, travel security assistance and digital well-being support.
With Elevate, insurance does more than cover your team when things go wrong—it helps them live a healthier, happier, safer life when they’re living and working abroad.
Discover Elevate
Cashless access is an arrangement by which we settle your employees’ bills for outpatient treatment directly with their hospital or treating doctor.
This means they won’t be left out-of-pocket for their treatment, and they won’t have to submit a claim to us. Cashless access is also known as ‘direct billing’ or ‘fast-track-payment’.
Cashless access to outpatient treatment is free on SilverLite, Silver and Gold plans to members in certain countries and available at certain clinics throughout Asia including Hong Kong and China.
Once you’ve picked the health plan that best suits your expat employees, you can tailor their insurance cover further with optional benefits. Choose from:
Select the annual sublimit for your employee’s outpatient treatment on the SilverLite plan. Your employees have US$5,000 cover as standard, but you can extend up to US$10,000. Extending the annual limit also increases your employees’ cover for primary medical care.
With optical care, your employees have cover for an annual optical test and for lenses, frames and contact lenses upon change of a prescription.
You can add cover for routine dental care and complex dental care with our two options: Dental Basic and Dental Plus. Cover provided by Dental Basic includes screening, polishing, and simple extractions, while Dental Plus includes dentures, crowns, and implants.
On the SilverLite and Silver plans, you can add cover for routine maternity care. This gives your employees US$5,000 cover per pregnancy on the SilverLite plan. On the Silver plan, there are options for cover up to US$15,000 per pregnancy—you can also add cover for complex maternity costs for your employees, such as complications of childbirth, complications of pregnancy affecting the mother, and treatment for congenital conditions.
With an optional personal accident plan, we pay your employees a cash lump-sum benefit if an accident results in their death, loss of sight, loss of limb or your permanent and total disablement within 2 years of the accident. Premiums for a personal accident benefit of US$75,000 start at US$9.45 per member, per month.
Medical evacuation comes as standard on all our health plans, but with Medevac Plus, your employees can request repatriation to their country of nationality (if within their coverage zone) or their country of residence following their eligible evacuation. The circumstances under which we evacuate employees are also extended to include advanced diagnostics and cancer treatment that cannot be provided locally.
Our international group health insurance policies give your employees international cover. This ensures your employees get access to the best quality private healthcare—no matter where they are in the world.
With international group health insurance, you can protect the health of your employees while also showing a commitment to supporting their lives and lifestyles overseas.
Request an indicative quote and we’ll get in touch to find out more about your business needs.
You’ll need to complete an online application form for your group health insurance policy.
Once we issue your policy, we’ll assign you a dedicated policy manager who will oversee and support your policy with us.
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9:00am – 5:00pm
6:00am – 6:00pm
8:00am – 5:30pm
The quickest way to reach us is by email.
We can offer group health insurance to small and medium businesses, corporates, NGOs, IGOs and governmental organisations.
3-99 employees
We can protect your employees while you’re growing your business internationally. We have useful tools like mixed levels of cover for different categories of employees to help keep your employee benefits affordable.
100+ employees
For established international businesses, we can provide bespoke insurance policies, simplified administration, and high standards of service.
We have looked after staff of non-governmental organisations, intergovernmental organisations, and governmental organisation for more than 30 years.
AWP Health & Life, an insurance company in the Allianz group, is the insurer of our group health insurance policies. AWP Health & Life is registered in France and is regulated by the French Prudential Supervisory Authority.
William Russell is the administrator of the group health insurance policies. We also handle your employees’ claims. We’re registered in Belgium with the Financial Services and Markets Authority as a mandated underwriter, and we’re authorised and regulated by the Financial Services Authority in the UK.
Your business must have at least 3 eligible employees to qualify for a group health insurance policy.
Yes. You can include spouses and partners and children of employees.
If your policy has 5 or more employees (10 in some regions/industries), you can apply for a policy with medical history disregarded underwriting.
This means employees are generally covered for pre-existing medical conditions, including chronic conditions. However, depending on the size of your group we may still ask for information about certain serious or ongoing conditions for underwriting or policy management purposes. This type of underwriting simplifies the on-boarding process however it is more expensive than other underwriting options.
Alternatively, we offer other forms of underwriting. The most popular for group cover after medical history disregarded is Full Medical Underwriting (FMU) — available to groups of 3 or more employees.
This means employees will have to complete a medical questionnaire before your policy starts. This questionnaire asks about your employees about their medical history, any pre-existing conditions disclosed are then assessed to determine if we can provide cover on our standard terms, if we need to increase the premium to reflect the increase risk, or if the pre-existing condition needs to be excluded from the cover we offer.
We won’t cover your employees pre-existing medical conditions and related conditions, unless they tell us about them in the medical questionnaire and we agree to cover them. This type of underwriting can take longer but is usually the cheapest option.
We can provide group health insurance policies to businesses not registered in a restricted country and provided 50% of your employees are expats (i.e., living in a country that’s different to their country of nationality) or are acceptable local nationals.
The cost of group health insurance depends on how many employees you wish to insure, their age, how much cover you require, and where your employees live. Speak to us to get an indicative quote tailored to your needs and requirements.
Elevate their health with My Global Doctor.
With Elevate, your employees no longer need to worry about accessing the healthcare they need.
My Global Doctor, powered by Teladoc Health, is a 24/7 online doctor, connecting your staff with health experts via telephone and video consultations to help them manage their healthcare on-the-go.
As well as referring them for specialist treatment, your employee’s physician can provide them with advice, guidance and coaching to help them achieve a healthier lifestyle. This includes advice around conditions otherwise excluded from their international health insurance policy. They can also get prescriptions delivered to their home or office.
In this short video, Dr Farshad Mimeh, GP and Teladoc Medical Director, explains the key advantages of virtual doctor consultations:
We show the benefits on this webpage in US dollars, but we can also denominate your policy in pounds sterling or Euros. You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase group health insurance. You can find complete information in the plan agreement, which we suggest you read together with this webpage. We work hard to ensure the information we provide on this webpage is accurate and up-to-date, but inaccuracies are possible. We rectify errors as soon as we become aware of them. The T&Cs that apply to your policy are those found in your plan agreement.
Request a quote to find out how you can save money when you switch to William Russell.
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