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About our policies and cover

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About William Russell

For Brokers

New customers, Save 10% now and Save 5% later on any Elite health plan you take out before 30 September 2019. Read more here. 

International health insurance

We offer various levels of international health insurance, so you can choose the policy that best fits the needs of your family and you’ll find our premiums consistently fair. Our ethos is to provide fast, fair and fuss-free help when you need it. That’s the advantage of choosing a specialist. Wherever you are, you’re never on your own with William Russell.

Plans are available in US Dollars, GB Sterling and Euro.

World-class cover

We help you get the right amount of cover to ensure you and your loved ones can enjoy your life abroad, without having to compromise on the quality of medical assistance, should you ever need it. With our international health cover in place for your family's life abroad, you will be safe in the knowledge that you have access to world-class medical care.

Optional benefits

A world-wide network

Relax in the knowledge that your family is covered by an insurer that cares and has an extensive world-wide network of medical providers. Whether you live in the same or different countries, our health plans are portable and offer you the flexibility to take treatment where you choose, depending on your plan. When you move countries, your global health insurance will go with you world-wide, and gives you the option to add cover for temporary USA visits.

Our medical network

Personal service

From your first contact with William Russell, you’ll deal with a named advisor, from our dedicated UK-based team. We know the importance of having someone who understands your policy, needs, and circumstances at the other end of the line.

That’s the William Russell difference.

Our story

Our health plans and benefits

The plans and prices shown here are illustrative of our rates for individuals and are available to expats and their families across the globe.

Our flexible cover is also available as corporate plans for groups of three or more employees – to discuss a group policy, please call and speak to our dedicated group team 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 you are living 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.


Optional benefits & other types of cover

Global personal accident add-on

Global personal accident add-on

Provides a cash benefit if you die or if you lose your sight, a limb, or become totally and permanently disabled as a result of an accident

William Russell Global travel add-on

Global travel add-on

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

William Russell Upgrades


Dental Plus and Medevac Plus are available on certain plans, giving you additional peace of mind

Life Cover & Income Protection

We also offer Life Cover and Income Protection

Talk to an expert

We want to make sure you get the type of cover that is best suited to you. Why not let one of our team call you back at a time that suits you, to talk through our plans and optional benefits?

Or you can get in touch direct:

+44 1276 486477
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Customers in over 160 countries have relied on us since 1992. How can we help you?

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Compare cover

Essential CareEssential Care PlusElite BronzeElite SilverElite Gold
Overall annual maximum limit$250,000$500,000$1,500,000$2,500,000$5,000,000
Cover areaWithin regionWithin regionWorldwide (excl. USA)Worldwide (excl. USA)Worldwide (excl. USA)
In-patient cover annual limit for conditions covered by your planFull coverFull coverFull coverFull coverFull cover
Out-patient cover annual limit for conditions covered by your plan$2,500 post-hospital cover only$10,000Post-hospital cover onlyFull coverFull cover
Emergency evacuation (Medevac)Full coverFull coverFull cover (Medevac Plus available)Full cover (Medevac Plus available)Full cover (Medevac Plus available)
Cancer careFull coverFull coverFull coverFull coverFull cover
Well-being cover per year (6-month waiting period)Not coveredNot coveredNot covered$300$750
Well-child benefit annual limit (12-month waiting period)Not coveredNot coveredNot covered$200$400
Routine maternity care and childbirth (12-month waiting period)Not coveredNot coveredNot coveredNot covered$15,000 per pregnancy
Complications of pregnancy (12-month waiting period)Not covered$5,000$4,800$15,000Full cover
Dental - routine (6-month waiting period)Not coveredNot coveredNot coveredOnly covered with Optional Dental benefit$1,500
Dental - complex (12 month waiting period)Not coveredNot coveredNot coveredOnly covered with Optional Dental benefitOnly covered with Optional Dental benefit

Elite BronzeElite SilverElite Gold
Worldwide (excl. USA)Worldwide (excl. USA)Worldwide (excl. USA)
Full coverFull coverFull cover
Post-hospital cover onlyFull coverFull cover
Full cover (Medevac Plus available)Full cover (Medevac Plus available)Full cover (Medevac Plus available)
Full coverFull coverFull cover
Not covered$300$750
Not covered$200$400
Not coveredNot covered$15,000 per pregnancy
$4,800$15,000Full cover
Not coveredOnly covered with Optional Dental benefit$1,500
Not coveredOnly covered with Optional Dental benefitOnly covered with Optional Dental benefit

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