Edan

Why Edan chose William Russell

“For me, in particular, it was very important to deal with someone regulated by a regulator as recognised and reputable as the FCA (the Financial Conduct Authority in the UK),” Edan told us.

“I discovered that in other territories, there is a perception that whilst insurers are happy to take your premiums, they may find ways to not pay your valid claims.”

So, Edan was delighted when a chance encounter with another expat introduced him to UK-based expat insurance specialists William Russell.

“I was at a barbecue in Mauritius,” Edan explained, “and an expat acquaintance with a similar background to mine said he was quite chuffed with William Russell.”

Edan promptly went online to conduct his own research, before picking up the phone to ask some questions. To his surprise, his phone call went straight through—not to an impersonal call centre—but to Joe, one of our advisors. Joe was able to answer Edan’s questions and provide information about William Russell’s insurance plans.

“With all the other companies, they appeared slightly cheaper, but it was really difficult to get a hold of someone you could discuss the policies with.

“I’m a bit old-school,” Edan continued. “I like to speak to a human being. And with Joe, it was just like talking to a mate. It made it a lot easier.”

Edan and Joe quickly built up a rapport as they went through Edan’s policy documents together.

“While explaining the plans to Edan, I recommended him the Bronze plan,” Joe explained. “It offered everything Edan needed, such as cover for emergency hospital treatment, but without the need for day-to-day healthcare costs such as GP visits, or any additional extras like maternity care.”

“Joe broke it all down for me and he was incredibly accessible, and that’s the reason I took out the policy,” Edan told us. “He’s a personable guy and helped explain quite complex terms in a very simple way.

“I liked that I could speak to a human being at the end of the phone. Most of the other providers had an online journey, which was very seamless, but I had a few questions regarding the coverage, and I just prefer dealing with someone directly.

“The service I received from Joe blew me away.”

Clear and simple policy documents

Another thing that Edan told us made a huge difference was the wording of William Russell’s policy documents. We work very hard to ensure our language is accessible to anyone, removing insurance jargon and putting things in plain language everyone can understand.

“The policy documentation is very clear, very easy to understand,” Edan explained. “You don’t need to be a lawyer to understand it, whereas some of the other providers I’ve dealt with, their wording is like hieroglyphics!”

Edan emphasised that any problems he had interpreting his policy documents were quickly resolved by picking up the phone to Joe.

“It’s quite daunting as an expat to think about what happens if my wife, my kid or I need urgent treatment and we’re stuck on a tropical island somewhere, and it just helps going through it with someone that makes it very clear and simple to understand.”

Could William Russell international insurance be right for you too?

If, like Edan, you want an expatriate insurance provider with a personal touch – whether for international health insurance, life insurance or income protection insurance – and if you want to work with a company with 30 years’ experience and a human being waiting for you at the end of the phone, speak to us at William Russell.

We are a proudly family-owned business insuring expatriates in over 180 countries. Our hand-picked network of 40,000 hospitals and clinics around the world ensures you’ll always be offered the best quality medical care, no matter where in the world you are. And, your claim will always be handled by your personal adviser, who is available round-the-clock should you need them for help, advice, or just friendly reassurance.

How much does international health insurance cost?

With international health insurance, you can choose between our Bronze, SilverLite, Silver, and Gold plans.

The Bronze plan, which Edan chose, is an economic option that provides the full minimum level of cover for most countries, including such things as hospital treatment, cancer treatment, and medical evacuations, with outpatient treatment limited to post-hospital treatment for up to 90 days.

Silver and SilverLite offer the same, but with full outpatient treatment and the choice of either a private or shared hospital room. Our highest-level Gold plan includes a suite of extra services, from mental health to maternity care.

To give you an idea on cost, the table below shows examples based on different circumstances across our range of plans: