Your healthcare partner
For international medical insurance that puts you first, choose William Russell. Since 1992, we have supported expats like you around the world. With our global plans, you can get cover for the latest medical treatments and access private healthcare internationally. Plus, you'll have help and support from a team of real people with our trademark personalised service.
- No call centres
- 24/7 emergency assistance
- 15% off for new members until 31st Dec
Who needs international health insurance?
If you’re an expat living and working abroad, or you need cover for private healthcare in multiple countries, then you may be best suited to an international health insurance policy. We provide global health insurance cover for expat families and individuals, international citizens, remote workers, frequent travellers, start-up companies, global businesses, governmental organisations, and non-governmental organisations. Whether you’re planning your future travelling abroad or you’re already out on an assignment, it only takes two minutes to get a quote online.
Key benefits of our international health insurance
Access to top
hospitals & doctors
With over 40,000 hospitals in our worldwide network, you can rest assured you’re getting the best medical care. Whether you need primary care or complex surgery, you’ll have access to the best hospitals & doctors wherever in the world you are.
Tough on cancer,
strong on support
Our plans cover the latest cancer care and treatments,
including genome testing. But we know cancer affects life in so many other ways too. That’s why we provide benefits for wigs following chemotherapy, counselling with a psychologist, and consultations with a dietitian. We’re here for you when it matters most.
Cover for mental health
Living and working away from your support network can be tough. That’s why our plans cover your
mental health consultations and treatment.
What do our health plans cover?
|Bronze plan||SilverLite plan||Silver plan||Gold plan|
|Annual benefit limit||US$1.5m||US$1.5m||US$2.5m||US$5m|
|Mental health treatment|
|Trips to the doctor||For post-hospital treatment only|
|Pregnancy & childbirth|
How much does hospital treatment cost abroad?
To give you an idea on costs, here are some ballpark figures for common treatments carried out privately. Here is how much you can expect to pay for medical treatment abroad:
|Country||Sum Paid||Treatment Type|
|South Africa||US$13,470||Medical evacuation|
|Hong Kong||US$11,453||Pregnancy & maternity care|
|UK||US$3,275||Private GP consultations|
Based on our own data from 2021.
How does international health insurance work?
Needing medical treatment at home can be stressful—let alone when you need it in a foreign country, with unfamiliar hospitals and doctors. International health insurance helps to minimise any worry or complications by covering the financial costs of your medical care. But not all plans are born equal. With our plans, you’ll generally have access to private hospitals and clinics, with doctors who speak good English. You'll also have emergency medical assistance and the option to add on dentistry among other popular benefits.
Health insurance for people who simply want cover for serious conditions and major healthcare costs, around the world.
Medical insurance for people who want cover for a wider range of healthcare, including routine childbirth, mental health treatment, and chronic conditions.
Plans for Individuals
Plans designed for professionals, remote workers, students, frequent travellers and people on work assignments.
Plans for Families
Plans for families with children aged under 18, and those who want peace of mind when planning a family in the future.
Plans for Students
Plans for international students studying abroad.
Plans for Businesses
Plans for start-ups and businesses with remote workers or expat employees.
How much does international health insurance with us cost?
In 2021, our average premium for an individual for a single year of cover was US$3,650. How much you pay depends on your circumstances: read more about the average cost of expat health insurance here.
At William Russell, the most important factors when we calculate your insurance premium are your age and where you live. Premiums tend to increase as you get older, and will be higher in countries or regions where the cost of private healthcare is higher. However, your claims history won’t affect your insurance premium, and we don’t take your credit score into account. Read how we calculate your premiums here.
To give you an idea on costs, here are some ballpark figures:
|About you||Monthly premium||Plan||Yearly excess||Add-ons|
|International student||US$95||Bronze||US$250||Mental health|
|Solo professional or digital nomad||US$225||Silver||US$250||Outpatient, Mental health|
|Couple planning pregnancy||US$699||Gold||US$250||Maternity, Outpatient, Dental|
|Mature family with kids||US$821||Gold||US$250||Outpatient, Dental, Mental health, Well-being|
Based on our own data from 2021.
Frequently asked questions
Most international health plans include similar cover for the basics of your healthcare needs. To make our plans as transparent as possible and help you choose the right one for you – we’ve outlined our most commonly asked questions here. But you can follow the link below to see more FAQs or call our friendly team on +44 1276 486 477.
Global health insurance (also known as international private medical insurance) gives you access to private healthcare around the world.
International health insurance policies are designed to cover you for medical treatment when you’re admitted to a hospital, plus cover for serious issues such as cancer and mental health around the world. The exact nature of cover depends on the policy you buy and the insurance provider you buy it from. Some policies include cover for everyday visits to your doctor or pharmacy.
Generally speaking, plans with higher levels of cover will come at a higher cost. Most private health plans don’t cover pre-existing medical conditions (i.e., conditions you had before you took out the plan) as standard.
To make sure your William Russell plan suits your needs, you can customise it with a range of optional extras, such as cover for dental treatment.what can i be covered for
Whilst international health insurance prices vary a lot, they are generally more expensive than local domestic or travel policies. Local health insurance only gives you cover in a single country.
While most domestic health plans only cover you in one country, international health plans cover you in multiple (or even all) countries. They’re great for people who live and work abroad, or who spend lots of time travelling. Some international medical plans also include emergency medical evacuation cover so you can access urgent treatment even if it’s not available in your location.What’s the Difference Between Domestic, International & Travel Insurance?
The premium you see is the amount that you’ll pay each month for your health plan. Once you’ve selected a health plan to personalise, you can choose a different payment frequency.
You can choose to pay your premiums annually, half-yearly, quarterly or monthly by direct debit or credit card. You can also pay by cheque or bank transfer, but monthly payments won’t be available if you choose one these payment methods.
Paying annually is the cheapest option overall.
Payments are subject to the following administration surcharges: 3% surcharge if you pay half-yearly and a 5% surcharge if you pay monthly or quarterly.How We Calculate Your Health Insurance Premium
It depends on the area of cover you choose. The area of cover is the geographic or territorial limits of your plan. It specifies in which countries you’re covered and which countries you’re not.
With Zone 2, you’ll have full cover in Vietnam and most other countries, with freedom to access the best hospitals and doctors.
In certain countries where the cost of private healthcare is high (eg China, Singapore), your cover will be limited to accident & emergency treatment up to US$100,000. There is no cover at all in the USA.
Once you’ve selected a health plan to personalise, you can choose Zone 1, which gives you full cover worldwide.Where can I have cover
In most cases, we can only provide insurance to expats. By expat, we mean people living and working outside of their country of nationality (e.g., a Dutch national living in Taiwan or a Canadian national living in India).
Typically, our members reside permanently in a foreign country. But we can sometimes provide cover to people expecting to spend at least 6 months of the year living or travelling abroad. In certain countries, we can cover people living in the same country that issues their passport. These countries are Botswana, Kenya, Nigeria, Mauritius, Estonia and Malawi.
We can provide plans to people of all nationalities in most countries around the world. You must be under age 70 when your plan starts, and you must be living or working in a country different from your country of nationality.What is an Expat or Expatriate?
A pre-existing condition is an illness or injury you’ve already have received medications, advice or treatment, or for which you have experienced symptoms of – or tests, medication, treatment or advice for – before taking out your health insurance policy.
Having a pre-existing condition doesn’t mean you can’t take out international insurance – it just means you won’t be covered for that condition unless it has been agreed.choose the best medical underwriting option for you
If you have a global health plan from William Russell, you’re covered for the treatment of COVID-19 as you would be for any other viral infection. This is provided that the plan you have selected covers the treatment and you don’t have personal medical exclusions on your certificate of insurance that would apply.More about COVID-19 and our insurance plans
What our members say
When I made the call, Maggie was very considerate & supportive. She was professional & clear in guiding me through the various steps. I just felt I should share my experience & say that should you need to claim, the support is there to guide us through this difficult period.Seth Underwood William Russell Member, Bulgaria
Perks of being a
William Russell Member
Transparency matters to us
Insurance is about trust, so we believe in being fair and open. This belief informs our idea of healthcare as a partnership between our members and us. That’s why we’re completely upfront with our health plans, and we want you to understand precisely what you’re buying.
We’re committed to fairness
Healthcare is expensive, and – sadly – costs are on the up. We do everything possible to spread this inflation fairly. We calculate premiums with a long- term, sustainable pricing model. And you can tailor your plan to help reduce your premium without compromising your cover.
We believe in people
Some insurers rely on AI and Big Data to do their work for them. We think differently. Healthcare is a highly personal experience, so it deserves a personal service. We’re a team of real people, at the end of a phone call when you really need us. We don’t hide behind call centres or bot webchats.