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Expat insurance that needs
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Covering expats of all nationalities since 1992.

International health insurance, life insurance & income protection for expats, families & businesses in the UK.

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William Russell is the insurance partner of choice for
expats living & working in the United Kingdom

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

Why choose an international insurance plan?

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.

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.

Here to help you out, not catch you out

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.

Our obligation to our members

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.

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Private health insurance

  • Access to top hospitals & doctors in the UK
  • Tough on cancer, strong on support
  • Cover for mental health
  • Cover when you travel abroad or make trips home

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Life insurance

  • Insure your life up to US$2m
  • Early payment for terminal illness
  • Double your cover for death by accident
  • International cover

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Income protection

  • A replacement income if you can’t work
  • Proportionate benefit to help you return to work
  • International cover

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A quick look at our health insurance plans

Value

Cost-effective access to private healthcare

Comprehensive

Comprehensive cover for private healthcare

BronzeSilverLiteSilverGold
Annual benefit limit£1,000,000£1,000,000£1,666,000£3,333,000
Area of coverUK & worldwideUK & worldwideUK & worldwideUK & worldwide
Hospital treatmentFull coverFull coverFull coverFull cover
Out-patient treatmentPost-hospital treatment onlySubject to an annual limitFull coverFull cover
Pregnancy & childbirthCover for complications of pregnancy*Cover for complications of pregnancy*Cover for complications of pregnancy*£10,000 per pregnancy
Emergency evacuationFull coverFull coverFull coverFull cover

Comprehensive

Comprehensive cover for private healthcare

BronzeSilverGold
£1,000,000£1,666,000£3,333,000
UK & worldwideUK & worldwideUK & worldwide
Full coverFull coverFull cover
Subject to an annual limitFull coverFull cover
Cover for complications of pregnancy*Cover for complications of pregnancy*£10,000 per pregnancy
Full coverFull coverFull 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

A quick look at our life & income protection insurance plans

LIFE

Safeguard your family's future should the worst happen.

PERSONAL ACCIDENT

Double your cover for death or disablement caused by accident.

INCOME PROTECTION

The 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 £1.5mInsure against accidents up to £375,000Cover up to 75% of your salary (max. £108k)
Annually-renewable plansAvailable in conjunction with life insuranceReplacement income if you can't work because of illness or injury
Early payment for terminal illnessIncrease your cover for death by accidentReplacement income keeps up with inflation
Cover up to age 70Lump-sum payment for disablement by accidentChoice 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.

What do our customers say about us?

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