The Silver PlanThe Silver plan is our most popular plan, which provides you with comprehensive cover for a wide range of health conditions and treatments. It’s a great option for families with young children or older expats concerned about healthcare.
| 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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| 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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| Learn More | Learn More | Get A Quote | Learn More |
Our Silver plan covers you for the below essential benefits:
Make your Silver plan work for you by customising it with our range of optional benefits, including:
Silver 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 Silver 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.
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.
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.
Find out moreYou 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.
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.
Get a quoteIn 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.
Definition of an 'expat'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.
Follow these simple stepsWe 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.
Indonesia (EN) 
UAE (EN) 
Vietnam (EN) 
