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Understanding Health Insurance

How to make a claim on your plan

Make a claim or submit a pre-authorisation request on this page by clicking on the buttons below. If you are unsure and would like to speak to someone, please call our UK based team on +44 1276 486 460, we’re here to help. Office hours are Mon- Fri, 6am to 6pm (GMT). Alternatively, you can email a completed claims form to claims@william-russell.com.

If you have a medical emergency and you require immediate medical assistance, please contact the 24hr helpline +44 1243 621 155, provided by our insurance partner CEGA. There is a person on the other end of the phone 365 days a year, without fail.

Claiming for out-patient treatment

  1. For claims over US$500 ask your doctor to fill out some details
    If the total amount you are claiming for is going to exceed US$500 (or the equivalent in another currency), please ask your doctor to complete Section B of the claim form which can be found here.
  2. Collect your invoices/receipts
    Ask your doctor for a fully itemised invoice along with the receipt, which gives a breakdown of all medical treatment received and any drugs prescribed.
  3. Complete the online claims form
    Complete the online claim form, along with uploading any supporting documents. Alternatively, you can email the completed claim form, along with a copy of the invoices to claims@william-russell.com.
  4. Send us or attach your invoices/receipts/documents
    Email the completed Claim Form, along with a copy of the invoices, to claims@william-russell.com.

Claiming for hospital admission

  1. Get in touch
    Contact us as soon as you know you need to be admitted to hospital. You can call us during UK offices hours (0600-1800, Monday to Friday) on +44 (0) 1276 486 460, complete the online pre-authorisation form. Alternatively. you can email us at claims@william-russell.com.In the event of an emergency, please call our 24hr Emergency Medical Assistance Helpline on +44 (0) 1243 621155. You can reach the team anytime, from anywhere.
  2. We will contact the hospital or medical facility
    Upon receipt of your call or notification, we will contact the hospital or medical facility to make all the necessary arrangements for you to be admitted.
  3. We will aim to settle payment directly if possible
    Depending on your level of cover and the individual hospital, we can sometimes settle costs directly with the hospital. Alternatively, we offer a Guarantee of Payment, giving you peace of mind that you will be reimbursed in full for costs incurred. Of course, if you have any queries you are welcome to contact our claim advisers at any time during the process.

Claiming for maternity care

  1. Download the claim form
    To make a claim for routine out-patient maternity care, please download a Global Health Maternity Claim Form.
  2. Complete it with your practitioner
    Take the Claim Form with you when you visit your doctor. You will need to complete Section A, and your treating doctor will need to complete Section B.
  3. Collect any invoices and receipts
    Ask your doctor for a fully itemised invoice along with the receipt, which gives a breakdown of all medical treatment received and any drugs prescribed.
  4. Send us the form and relevant attachments
    Email the completed claim form, along with a copy of the invoices, to claims@william-russell.com.
  5. Let us know where you’ll be giving birth (and with which doctor)
    Once you are within 2 months of your estimated due date, let us know the name and contact details of your treating doctor and the hospital at which you are due to give birth.
  6. We will arrange for direct payments
    We will contact the hospital or medical facility directly and make all the necessary arrangements for you.
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Tracy Robinson

Business Analyst

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