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About William Russell

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Beat the rate rise 2019
Global expat health cover plans

We offer various levels of international private medical cover, so you can choose the policy that best fits your needs. You’ll also find our premiums consistently fair. That’s the advantage of choosing a specialist. Wherever you are, you’re never on your own with William Russell. Our ethos is to provide fast, fair and fuss-free help when you need it.

Plans are available for individuals, couples, families and businesses and are available in US Dollars, GB Sterling and Euros.

World-class cover

With William Russell, you can get renewable private health cover almost anywhere in the world, with the flexibility to take your treatment where you choose, depending on your plan. Cover is available to individuals and businesses. Our corporate plans can help your business attract and retain the best employees with easy to understand, easy to implement, and easy to manage cover options to suit all budgets.

Optional benefits

A world-wide network

When you move countries, your global health insurance will go with you worldwide, with the option to add cover for temporary USA visits. We work with medical providers around the world and depending on your plan, you may either have medical treatment within your region or have the option to choose a provider elsewhere.

Our medical network

Personal service

From your first contact with William Russell, you’ll deal with a professional advisor, from our dedicated UK team. We know the importance of having someone who understands your policy, needs, and circumstances at the other end of the line.

That’s the William Russell difference.

Our story

Our health plans and benefits

The plans and prices shown here are illustrative of our rates for individuals and are available to expats and their families across the globe.

Our flexible cover is also available as corporate plans for groups of three or more employees – to discuss a group policy, please call and speak to our dedicated group team today.

Please note that pre-existing medical conditions and related conditions are not covered by our plans, unless you have told us about them and we have agreed to cover them.  

We cannot provide cover if you are living in Iran, North Korea, Libya, South Sudan, Syria, Switzerland, Yemen, USA, Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal or Togo. Our policies are not available to residents of the United States of America but provided you are not a resident of USA, you can add cover for temporary trips to the USA, subject to a limit of  $100,000 and a maximum period of 45 days, or subject to a limit of  $250,000 and a maximum period of 90 days.

The Essential Plan ‘from prices’ above are based on an 18-24 year old customer residing in a standard Essential country with US$250 annual policy excess and full medical underwriting. 

The Elite plan ‘from prices’ above are based on an 18-24 year old customer residing in an Area 1 country with standard US$250 annual policy excess and full medical underwriting.

Optional benefits & other types of cover

Accident Icon

Global personal accident add-on

Provides a cash benefit if you die or if you lose your sight, a limb, or become totally and permanently disabled as a result of an accident

Global travel add-on

Provides global travel insurance protection for your personal belongings, as well as cover for travel delays, trip cancellations and curtailment

Upgrades

Dental Plus and Medevac Plus are available on certain plans, giving you additional peace of mind

Life Cover & Income Protection

We also offer Life Cover and Income Protection

Talk to an expert

We want to make sure you get the type of cover that is best suited to you. Why not let one of our team call you back at a time that suits you, to talk through our plans and optional benefits?

Or you can get in touch direct:

+44 1276 486477
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Customers in over 160 countries have relied on us since 1992. How can we help you?

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Compare cover

Essential Care Essential Care Plus Elite Bronze Elite Silver Elite Gold
Overall annual maximum limit $250,000 $500,000 $1,500,000 $2,500,000 $5,000,000
Cover area Within region Within region Worldwide (excl. USA) Worldwide (excl. USA) Worldwide (excl. USA)
In-patient cover annual limit for conditions covered by your plan Full cover Full cover Full cover Full cover Full cover
Out-patient cover annual limit for conditions covered by your plan $2,500 post-hospital cover only $10,000 Post-hospital cover only Full cover Full cover
Emergency evacuation (Medevac) Full cover Full cover Full cover (Medevac Plus available) Full cover (Medevac Plus available) Full cover (Medevac Plus available)
Cancer care Full cover Full cover Full cover Full cover Full cover
Well-being cover per year (6-month waiting period) Not covered Not covered Not covered $300 $750
Well-child benefit annual limit (12-month waiting period) Not covered Not covered Not covered $200 $400
Routine maternity care and childbirth (10-month waiting period) Not covered Not covered Not covered Not covered $15,000 per pregnancy
Complications of pregnancy (10-month waiting period) Not covered $5,000 $4,800 $15,000 Full cover
Dental - routine (6-month waiting period) Not covered Not covered Not covered Only covered with Optional Dental benefit $1,500
Dental - complex (12 month waiting period) Not covered Not covered Not covered Only covered with Optional Dental benefit Only covered with Optional Dental benefit

Elite Bronze Elite Silver Elite Gold
$1,500,000 $2,500,000 $5,000,000
Worldwide (excl. USA) Worldwide (excl. USA) Worldwide (excl. USA)
Full cover Full cover Full cover
Post-hospital cover only Full cover Full cover
Full cover (Medevac Plus available) Full cover (Medevac Plus available) Full cover (Medevac Plus available)
Full cover Full cover Full cover
Not covered $300 $750
Not covered $200 $400
Not covered Not covered $15,000 per pregnancy
$4,800 $15,000 Full cover
Not covered Only covered with Optional Dental benefit $1,500
Not covered Only covered with Optional Dental benefit Only covered with Optional Dental benefit

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