Covering expats of all nationalities since 1992.
International health insurance, life insurance & income protection for expats, families & businesses in the UK.
Purchase an insurance plan with William Russell and you’ll have cover in the United Kingdom, when you travel overseas for business or pleasure, and even when you return to your home country. Plus, you’ll have help and support from a team of professionals with our trademark personal service.
  | Worldwide cover |
| Plans insured by Allianz group |
| No call centres |
We’re in lockdown for now. But being confined to our homes and longing for international travel reminds us of how globalised our lives have become. While most domestic insurance plans cover you only in the United Kingdom, international plans cover you around the world. They’re great if you usually travel abroad or return home regularly. You’ll have uninterrupted cover without the need to purchase additional cover or add-ons.
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 take a different approach to insurance. By putting our members at the heart of everything we do, we’re building an insurance experience that’s both personal and fair.
Unlike other insurance providers, we’re independently owned and run—so we’re free from the demands of shareholders and investors. Our plans are insured by Allianz group, one of the largest financial services providers in the world, so your health, well-being, and financial security are safe with us.
ValueCost-effective access to private healthcare | ComprehensiveComprehensive cover for private healthcare | |||
|---|---|---|---|---|
| Bronze | SilverLite | Silver | Gold | |
| Annual benefit limit | £1,000,000 | £1,000,000 | £1,666,000 | £3,333,000 |
| Area of cover | UK & worldwide | UK & worldwide | UK & worldwide | UK & worldwide |
| Hospital treatment | Full cover | Full cover | Full cover | Full cover |
| Out-patient treatment | Post-hospital treatment only | Subject to an annual limit | Full cover | Full cover |
| Pregnancy & childbirth | Cover for complications of pregnancy* | Cover for complications of pregnancy* | Cover for complications of pregnancy* | £10,000 per pregnancy |
| Emergency evacuation | Full cover | Full cover | Full cover | Full cover |
ComprehensiveComprehensive cover for private healthcare | ||
|---|---|---|
| Bronze | Silver | Gold |
| £1,000,000 | £1,666,000 | £3,333,000 |
| UK & worldwide | UK & worldwide | UK & worldwide |
| Full cover | Full cover | Full cover |
| Subject to an annual limit | Full cover | Full cover |
| Cover for complications of pregnancy* | Cover for complications of pregnancy* | £10,000 per pregnancy |
| Full cover | Full cover | Full cover |
Just to let you know—you won’t find complete information for the plans in this comparison table, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find these in the plan agreement, which we suggest you read alongside with this table. All the benefits in this table are per member per period of cover, unless we state otherwise. We’ve stated the benefit limits in US dollars, though other currencies are available. Some of the benefits below are optional. You can add these benefits to your plan on the online quote tool.
This table is for the personal health plans. The health plans for businesses are slightly different.
*subject to cover limits
LIFESafeguard your family's future should the worst happen. | PERSONAL ACCIDENTDouble your cover for death or disablement caused by accident. | INCOME PROTECTIONThe Income Protection plan pays you a regular income if you become unable to work due to an illness or injury. |
|---|---|---|
| Insure your life up to £1.5m | Insure against accidents up to £375,000 | Cover up to 75% of your salary (max. £108k) |
| Annually-renewable plans | Available in conjunction with life insurance | Replacement income if you can't work because of illness or injury |
| Early payment for terminal illness | Increase your cover for death by accident | Replacement income keeps up with inflation |
| Cover up to age 70 | Lump-sum payment for disablement by accident | Choice of a 3 or 6-month deferment period |
Just to let you know—you won’t find complete information for our life insurance and income protection plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase it. These can be found in the plan agreements, which we suggest you read together with this guide. All the benefits in this guide are per member per period of cover, unless stated otherwise.
