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Your healthcare partner
while living and working abroad

For a healthcare experience that puts you at its heart, choose William Russell. Since 1992, we have supported expats like you around the world. With our global health plans, you can get cover for the latest medical treatments and freedom to access private healthcare internationally. Plus, you'll have help and support from a team of real people with our trademark personalised services.

  • Personalised support
  • Fair prices
  • Transparent plans

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.

Access to top hospitals & doctors

Whether you need primary care or complex surgery, you’ll have access to the best hospitals & doctors wherever you live.

Tough on cancer,
strong on support

Our plans cover the latest cancer care and treatments,
including genome testing and post-diagnosis counselling. 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.

How does global 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. With our international health plans, you’ll generally have access to private hospitals and clinics, with doctors who speak good English.

Value plans

Health insurance for people who simply want cover for serious conditions and major healthcare costs, around the world.

Comprehensive plans

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.

Who we cover

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 Businesses

Plans for start-ups and businesses with remote workers or expat employees.

Find out More

Frequently Asked Questions

Global health insurance (also known as international private medical insurance) gives you access to private healthcare around the world.

While most domestic health plans only cover you in one country, global health insurance 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 insurance plans also include emergency medical evacuation cover so you can access urgent treatment even if it’s not available in your location.

Most international health insurance plans include cover for medical treatment you receive when you’re admitted to hospital, plus cover for serious issues such as cancer and mental health. The exact nature of cover depends on the policy you buy and the insurance provider you buy it from. Other international health insurance includes 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.


Whilst international health insurance costs vary a lot, they are generally more expensive than local health plans. But, local health insurance only gives you cover in a single country. The major benefit to international medical insurance is that you have cover in multiple countries as well as cover for emergency medical evacuation. How much you pay depends on your circumstances.

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.

The cost of expat health insurance

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?

If you have a 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. Read more about getting a COVID vaccine as an expat here.

All answers 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 on 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
More Member Reviews

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.

Ready to see prices? Get your quick online quote!