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Thinking about choosing our Bronze plan?
Our Bronze plan is a solid, international health plan for people who require cost-effective cover against serious health issues.
You have all the essential health benefits, plus a semi-private room if you’re admitted to hospital. You’ll get cover for out-patient treatment you receive within 90 days of your discharge from hospital, and you’re always covered in full should you ever need cancer treatment or advanced diagnostic tests.
As standard, the Bronze plan includes:
- Annual benefit limit US$1.5m
- Hospital costs
- Cancer treatment
- Mental health treatment
- Medical evacuations
How does the Bronze plan compare?
| Bronze plan | SilverLite plan | Silver plan | Gold plan | |
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| Annual benefit limit | US$1.5m | US$1.5m | US$2.5m | US$5m |
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| Cancer treatment | |
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| Mental health treatment | |
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| Trips to the doctor | For post-hospital treatment only | |
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| Pregnancy & childbirth | |
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Cover for complications of pregnancy | |
| Medical evacuations |
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| Get A Quote | Learn More | Learn More | Learn More |
What am I covered for?
Our Bronze plan covers you for the below essential benefits:
If you’re admitted to hospital
- Pre-admission tests
- Your accommodation costs
- Surgeon, anesthetist & doctor’s fees
- Nursing care
- Drugs & surgical dressings
- Operating theatre charges
- Intensive care
- Pathology, X-rays, scans & diagnostic tests
- Physiotherapy
When people think of health insurance, they tend to think about hospital and hospital treatment. Some insurance providers have their own network of hospitals, which means you can only use the hospitals permitted by your provider. We don’t place any such restrictions on where you receive your medical treatment. This means you’ll always have access to the top-rated hospitals and medical clinics within your area of cover.
Cancer treatment
- Tests, scans, and cancer drugs
- Chemotherapy
- Radiotherapy
- Immunotherapy
- Genome testing
- Consultations (both as an out-patient and an in-patient)
- Restorative dental treatment following chemotherapy or radiotherapy
- Reconstructive surgery to restore your appearance (that you receive in the 90-day period following your discharge from hospital)
Cancer can affect you anywhere, at any time. We’re committed to providing the strongest benefits to give you the best chance of overcoming cancer. We’ll also cover you for cancer genome testing, which sequences the genes of your cancerous cells to help determine the best course of treatment for you. Finally, cancer is a condition that patients must often learn to live with. So we give you benefits for wigs following chemotherapy, counselling with a psychologist, and consultations with a dietitian.
Mental health treatment
- In-patient and day-patient treatment
- Specialist mental health consultations
- Specialist mental health medication prescribed by a doctor
There is no telling how the experience of moving to or living in another country can affect someone. Expats are at a higher risk of experiencing mental health issues than people living in their home country. That’s why the Bronze plan covers your mental health as well as your physical health.
Doctor visits
- Doctor visits & specialist consultations
- Diagnostic tests (X-rays, MRI scans, CAT scans)
- Emergency treatment you receive in the emergency ward of a hospital
- Physiotherapy
International health insurance isn’t just for serious health issues. What about when you just want to pop to the local doctor’s surgery or the pharmacy? The Bronze plan covers you for out-patient treatment (i.e. medical treatment for which you don’t need to be admitted to hospital) for a 90 day period following your discharge from hospital.
Emergency medical evacuations
- Emergency medical evacuation
- Access to a 24-hour medical assistance helpline
- Return airfare to your country of residence following your evacuation
- Travel & accommodation expenses of a companion while you’re hospitalised following your emergency
- Emergency medical evacuation
- Access to a 24-hour medical assistance helpline
- Return airfare to your country of residence following your evacuation
- Travel & accommodation expenses of a companion while you’re hospitalised following your emergency
If you have a medical emergency and the treatment that you urgently need isn’t available locally then we will arrange emergency medical evacuation.We’ll evacuate you by road, sea or air if you suffer a life-threatening or limb-threatening condition that requires an immediate hospital treatment that is not possible locally.
Customise your Bronze plan with optional add-ons
Make your Bronze plan work for you by customising it with our range of optional benefits, including:
Private hospital accommodation
As standard, the Bronze plan offers semi-private accommodation if you’re admitted to hospital, with semi-private en-suite bathroom or shower room.
You can opt to select the private hospital room option, meaning you’ll have cover for a private room with an en-suite bathroom or shower room for the duration of your stay in the hospital.
Medevac plus
Emergency medical evacuation is a vital part of any expat’s medical coverage. Adding Medevac Plus gives you greater peace of mind for your life abroad.
Additional benefits include a lower threshold for evacuation for cancer tests and treatment that cannot be provided locally, advanced repatriation to your country of residence if within your area of cover and additional costs for a companion to ensure you have a loved one with you for support.
Personal accident plan
Adding the optional personal accident plan cover is a great way to increase the cover provided by your health plan without breaking the bank.
With the personal accident plan, we’ll pay you a cash lump-sum benefit if an accident results in your death, loss of sight, loss of limb or your permanent and total disablement within 2 years of the accident.
Areas of cover
With an international health insurance policy, you have access to private healthcare in multiple countries. That is why it is an excellent choice for people who live and work abroad, or who spend much of the year travelling for business or pleasure.
‘Area of cover‘ is the geographic or territorial limits of your plan, specifying in which countries you’re covered and which countries you’re not.
Every health plan from William Russell has an area of cover. There are six zones, and you can choose any zone with any of our health plans (though Zone 3 is only available to residents of Indonesia).
Medical underwriting
When you apply for a health plan, we assess your medical records, including any medical conditions or injuries you have suffered in the past.
This process is known as medical underwriting. It helps us decide the terms under which we can offer you cover.
You can choose from Full Medical Underwriting, Moratorium Underwriting or Switch Underwriting.
Excess
An excess is the fixed cash amount you pay towards a claim.
You must choose one when you first apply for your health plan. You pay the excess for each medical condition, per period of cover.
There’s a range of excess options, including ‘per claim’ and ‘per annum’ excesses.
Payment frequency
When you apply for a health plan, you choose the frequency with which you pay your premium. You can pay annually, monthly, quarterly or half-yearly. Paying your premium annually is the cheapest option overall.
If you pay half-yearly, you’ll pay a surcharge of 3%. If you pay quarterly or monthly, you’ll pay a surcharge of 5%.
Think you might need more cover?
Learn more about our Silver plan
Bronze plan – what does it cover?
Bronze plan
1 – 6-month waiting period. 2 – Lifetime limit of one claim. 3 – 12-month waiting period. 4 – 24-month waiting period. 5 – 6-month waiting period. 6 – 10-month waiting period.
Full information on Bronze plan coverage, full T&Cs, limitations and exclusions that would apply to your policy can be found in your plan agreement should you decide to purchase a plan. Some benefits are optional, and can be added to your plan using the online quote tool. The information is accurate for health plans starting between 01 January 2023 and 31 December 2023.
We’re here to give you a better healthcare experience
You may think health insurance is only about providers paying your medical bills, but there’s much more to membership with William Russell. Our health plans get you access to top-rated hospitals and doctors, helping you benefit from the latest diagnostic techniques and medical treatments.
And with us, your health plan is international. That means you’ll be covered where you live and work, when you’re travelling abroad, and when you make visits back home.
Unlike other insurance providers, we’re independently owned and run—so we’re free from the demands of shareholders and investors. Our obligation is to our members.
Bronze plan FAQs
What is international health insurance?
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, 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.
Who do you cover?
You must be under 76 years of age at the commencement date of your plan.
You may apply for cover on behalf of your spouse or partner (provided they are under 76 years of age) and/or on behalf of your unmarried children, provided they are aged less than 18 years old,
or less than 25 years old if in continuous full-time education.
How long does an application take for international health insurance?
It takes less than 3 minutes to fill in our online quote for international health insurance.
Once we have your completed digital application form, it usually takes 2 days to get your plan started.
Our dedicated onboarding team is on hand to help you choose the right plan and guide you through the medical questionnaire.
Do you only provide plans to expats?
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 76 when your plan starts, and you must be living or working in a country different from your country of nationality.
How can I make a claim?
Making a claim with us is really easy.
If you need to claim for a benefit or treatment for which you must obtain pre-authorisation, you must contact us in advance of starting your treatment and give us all the information we require to assess if your proposed treatment will be eligible for cover under your plan.
If your proposed treatment is eligible for cover, we will pre-authorise all eligible expenses. We will not pay for any treatment costs or expenses that have not been preauthorised by us in advance.
We mean different things to different people
We mean a better healthcare experience for people living and working abroad. We mean financial security for people with futures to safeguard. We mean healthy and happy staff for international businesses. We mean progressive thinking for insurance partners.
But one thing everyone knows us by is the way we work. By putting our members at the heart of everything we do, we’re creating an insurance experience that’s personal, sustainable and transparent.
That’s why we’re the international health insurance partner of choice for many people living and working abroad.
