About our insurance services

 

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

Whose products do we offer?

We only offer products from:

Allianz Benelux N.V. for international private medical insurance, income protection insurance, and accident insurance under the Global Protection plan.

Allianz Nederland Levensverzekering N.V. for life insurance, and;

SHUS Insurance PCC Limited – Cell SHUS, Guernsey, for personal accident insurance and travel insurance when sold in connection with the international private medical insurance.

Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

What will you have to pay us for our services?

There is no fee for our services. You will receive a quotation for a specific plan, which will tell you about any other fees relating to any particular insurance policy.

Who regulates us?

William Russell Limited, William Russell House, The Square, Lightwater, GU18 5SS is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 309314. Our permitted business is that of assisting in the administration and performance of non investment insurance contracts. You can check this on the Financial Service Register by visiting the FCA’s website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint

If you wish to register a complaint, please contact us:

In writing: William Russell Limited, William Russell House, The Square, Lightwater, Surrey, GU18 5SS, England.

By phone: +44 (0) 1276 486455

If you are not satisfied with our response to your complaint, you may be entitled to refer it to the Financial Ombudsman Service. However, if your complaint relates to the claims handling services that we provide for the insurers, the Financial Ombudsman Service will not be able to consider your complaint. You may submit a complaint to the insurers we act for. We will provide you with further details upon receipt of your complaint. Full details of the Complaints Procedure can be found in the Global Health Complaints Procedure or Global Protection Complaints Procedure.

Are we covered by the Financial Services Compensation Scheme?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. NB. The Insurers, whose products we administer, are NOT covered by the Financial Services Compensation Scheme.

 

Global Health Essential Plan Policy Summary

This document contains important information about your health insurance policy. This policy summary does not contain the full terms and conditions of the insurance policy, which can be found in the Global Health Essential plan Agreement and on your Certificate of Insurance. It is important that you read these documents carefully when you receive them to make sure that you understand the cover your policy provides

The provider of cover

The insurer of the Global Health Essential plan is Allianz Benelux N.V. Coolsingel 139, Postbus 64, NL-3000 AB Rotterdam, Netherlands. Allianz Benelux N.V. is an EEA insurer registered in the Netherlands and is authorised by the Dutch Authority for the Financial Markets (AFM).

Type and duration of cover

The Global Health Essential Plan is an international health insurance policy that meets the demands and needs of expatriates and international citizens who wish to ensure they have cover for necessary medical treatment of acute medical conditions.

The plan type you chosen will be stated on your Certificate of Insurance.  The extent of the cover provided by your plan type is detailed in the table of benefits in the Global Health Essential plan Agreement.  You should review the cover periodically to ensure it remains appropriate.

Your cover will remain in force for a period of 12 months provided you maintain your premium payments. Your cover may be renewed each year with our agreement. Premiums are age-related and will increase as you get older. We review our premiums annually. The current premium rates are not guaranteed for the duration of your plan.

Significant and unusual exclusions or limitations

The following limitations apply to your policy:

  • Any limitations contained in your Certificate of Insurance,
  • The overall limit of cover for the plan type you have chosen,
  • The limits and waiting periods specified for particular benefits within the plan type you have chosen, as per the table of benefits in the Global Health Essential plan Agreement.
  • The excess, as specified on your Certificate of Insurance,
  • All treatment received within the United States of America, Canada, the Caribbean, and the London postal district is excluded from cover,
  • Cover for treatment received in Australia, Europe, Greenland, Iceland, New Zealand, and Orchid countries (Bali, China, Hong Kong, Japan, Macau, Singapore, and Taiwan) is restricted to unforeseen emergency treatment whilst on a temporary trip of not more than 90 days duration.

The following are excluded from cover under your policy:

  • Pre-existing conditions and related conditions (unless we have agreed otherwise)
  • Addictive conditions/disorders and alcohol, drug and solvent abuse,
  • Bank charges, administration and registration fees,
  • Birth control, infertility treatment, assisted reproduction, foetal surgery, sexual health problems and gender reassignment,
  • Birth defects, pre-existing or related congenital abnormalities or pre-existing or related hereditary conditions,
  • Chemical, biological or nuclear contamination, or active participation in war and terrorism,
  • Convalescence, rehabilitation, nursing homes and health spa’s,
  • Cosmetic surgery and treatment,
  • Dental cover (except as specified under the In-patient emergency restorative dental treatment benefit in the Global Health Essential plan Agreement),
  • Developmental problems, such as learning difficulties, speech disorders, and behavioral problems,
  • Eating disorders and weight-related conditions,
  • Experimental drugs and treatments,
  • Failure to follow medical advice
  • Hearing loss,
  • Kidney dialysis continuing for more than 4 weeks,
  • Menopause, puberty or ageing and similar bodily changes,
  • Nasal septum deviation,
  • Pregnancy and childbirth (unless covered under the ‘Complications of pregnancy’ benefit)
  • Preventative surgery when no physical signs or symptoms are shown, or diagnosis has been made,
  • Professional sports and any motorised racing,
  • Psychiatric conditions,
  • Routine preventive health checks and vaccinations, including Allergy testing and desensitisation,
  • Sexually transmitted diseases and testing for sexually transmitted diseases,
  • Search and/or rescue,
  • Self-inflicted injuries, suicide and/or wilful exposure to needless danger,
  • Sleep disorders,
  • Sundry medical supplies,
  • Treatment by a family member, or where there is a professional/financial interest, such as employees and employers,
  • A full list of exclusions is contained in the Global Health Essential plan Agreement.

  

What to do in the event of a claim

Please call +44 1276 486460 or our 24-hour emergency number +44 1243 621155.  Alternatively, you can email us on claims@william-russell.com. More information about making a claim can be found in the Global Health Essential plan Agreement.

Cancelling your cover

You have the right to cancel during the first 30 days of the policy, provided that you confirm this to us in writing and have not made a claim. We will refund the premium you have paid to us.

If you cancel after the first 30 days of the policy being in force, we will refund any unused premium after the cancellation date, provided there have been no claims made by any insured persons or anything has happened that could result in a claim.

Complaints procedure

If you are unhappy with an underwriting decision, or feel a decision about a claim is unfair you may refer your complaint to the insurer at:

Allianz Benelux N.V.,

Coolsingel 139,

Postbus 64,

NL-3000,

AB Rotterdam,

Netherlands.

If you are dissatisfied with the response you receive from the insurer you may submit a complaint to the Netherlands Financial Services Complaints Institute:

Klachteninstituut Financiële Dienstverlening (Kifid)

Postbus 93257,

2509 AG Den Haag,

Netherlands

E: consumenten@kifid.nl

Financial Services Compensation Scheme

Allianz Benelux N.V. is not covered by any compensation scheme.

 

Global Health Elite Plan Policy Summary

This document contains important information about your health insurance policy. This policy summary does not contain the full terms and conditions of the insurance policy, which can be found in the Global Health Elite plan Agreement and on your Certificate of Insurance. It is important that you read these documents carefully when you receive them to make sure that you understand the cover your policy provides.

The provider of cover

The insurer of the Global Health Elite plan is Allianz Benelux N.V. Coolsingel 139, Postbus 64, NL-3000 AB Rotterdam, Netherlands. Allianz Benelux N.V. is an EEA insurer registered in the Netherlands and is authorised by the Dutch Authority for the Financial Markets (AFM).

Type and duration of cover

The Global Health Elite Plan is an international health insurance policy that meets the demands and needs of expatriates and international citizens who wish to ensure they have cover for necessary medical treatment of acute medical conditions.

The plan type you have chosen will be stated on your Certificate of Insurance.  The extent of the cover provided by your plan type is detailed in the table of benefits in the Global Health Elite plan Agreement.  You should review the cover periodically to ensure it remains appropriate.

Your cover will remain in force for a period of 12 months provided you maintain your premium payments. Your cover may be renewed each year with our agreement.

Premiums are age-related and will increase as you get older. We review our premiums annually. The current premium rates are not guaranteed for the duration of your plan.

Significant and unusual exclusions or limitations

The following limitations apply to your policy:

  • Any limitations contained in your Certificate of Insurance,
  • The overall limit of cover for the plan type you have chosen,
  • The limits and waiting periods specified for particular benefits (i.e. dental cover, maternity costs) within the plan type you have chosen, as per the Table of Benefits in the Global Health Elite plan agreement.
  • The excess, as specified on your Certificate of Insurance,
  • Cover is restricted to treatment within the area of cover you have selected (see area of cover options in your Global Health Elite plan Agreement) and as specified on your Certificate of Insurance.
  • All treatment received within the United States of America, Canada, the Caribbean, and the London postal district is excluded from cover,

The following are excluded from cover under your policy:

  • Pre-existing conditions and related conditions (unless we have agreed otherwise)
  • Addictive conditions/disorders and alcohol, drug and solvent abuse,
  • Bank charges, administration and registration fees,
  • Birth control, infertility treatment, assisted reproduction, foetal surgery, sexual health problems and gender reassignment,
  • Birth defects, pre-existing or related congenital abnormalities or pre-existing or related hereditary conditions (except as specified under the Cover for newborn babies benefit in the Global Health Elite plan Agreement),
  • Chemical, biological or nuclear contamination, or active participation in war and terrorism,
  • Convalescence, rehabilitation, nursing homes and health spa’s, (except as specified under the Rehabilitation treatment benefit in the Global Health Elite plan Agreement),
  • Cosmetic surgery and treatment,
  • Developmental problems, such as learning difficulties, speech disorders, and behavioral problems,
  • Eating disorders and weight-related conditions,
  • Experimental drugs and treatments,
  • Failure to follow medical advice
  • Hearing loss,
  • Kidney dialysis continuing for more than 4 weeks,
  • Menopause, puberty or ageing and similar bodily changes,
  • Nasal septum deviation,
  • Preventative surgery when no physical signs or symptoms are shown, or diagnosis has been made,
  • Professional sports and any motorised racing,
  • Psychiatric conditions (except as specified under the psychiatric and psychotherapy treatment benefit in the Global Health Elite plan Agreement),
  • Routine preventive health checks and vaccinations, including Allergy testing and desensitisation, (except as specified in the Global Health Elite plan Agreement),
  • Sexually transmitted diseases and testing for sexually transmitted diseases,
  • Search and/or rescue,
  • Self-inflicted injuries, suicide and/or wilful exposure to needless danger,
  • Sleep disorders,
  • Sundry medical supplies,
  • Treatment by a family member, or where there is a professional/financial interest, such as employees and employers
  • A full list of exclusions is contained in the Global Health Elite plan Agreement.

 

What to do in the event of a claim

Please call +44 1276 486460 or our 24-hour emergency number +44 1243 621155.  Alternatively, you can email us on claims@william-russell.com. More information about making a claim can be found in the Global Health Elite plan Agreement.

Cancelling your cover

You have the right to cancel during the first 30 days of the policy, provided that you confirm this to us in writing and have not made a claim. We will refund the premium you have paid to us.

If you cancel after the first 30 days of the policy being in force, we will refund any unused premium after the cancellation date, provided there have been no claims made by any insured persons or anything has happened that could result in a claim.

Complaints procedure

If you are unhappy with an underwriting decision, or feel a decision about a claim is unfair you may refer your complaint to the insurer at:

Allianz Benelux N.V.,

Coolsingel 139,

Postbus 64,

NL-3000,

AB Rotterdam,

Netherlands.

If you are dissatisfied with the response you receive from the insurer you may submit a complaint to the Netherlands Financial Services Complaints Institute:

Klachteninstituut Financiële Dienstverlening (Kifid)

Postbus 93257,

2509 AG Den Haag,

Netherlands

E: consumenten@kifid.nl

Financial Services Compensation Scheme

Allianz Benelux N.V. is not covered by any compensation scheme.

Global Protection Plan Policy Summary

Some important facts about your insurance policy are summarised below. This policy summary does not contain the full terms and conditions of the insurance policy, which can be found in the Global Protection plan Agreement and on your Certificate of Insurance. It is important that you read these documents carefully when you receive them to make sure that you understand the cover your policy provides.

1) The Insurers

The insurer of the Global Life plan is Allianz Nederland Levensverzekering N.V. The Insurer of the Global Accident Benefit and the Global Income Protection plan is Allianz Benelux N.V. Each company is an EEA insurer registered in the Netherlands.

2) Type of Policy

The Global Life plan will pay out a guaranteed cash sum if you die during the term of your plan. The Accident Benefit will pay out a cash sum if you die or suffer a permanent disability as a result of accidental bodily injury that occurs during the term of your plan. The Global Income plan pays you a regular income if you suffer an illness or accidental injury and are unable to work leading to a loss of earnings.

3) Significant features and benefits

The extent of the cover provided is detailed in the Global Protection plan Agreement subject to any limitations stated on your Certificate of Insurance.

4) Significant features and benefits of the Global Income plan

In the event of a claim, the maximum income benefit we will pay you will be the lower of:-

  • The amount of benefit you have insured, or 75% of your gross annual earnings at the time of your disability, LESS any other income you are entitled to receive, (such as income from the state, your employer or business, a pension, or from another insurance company).
  • The maximum income benefit we will pay is £90,000 or US$144,000 or €144,000.
  • There will be a period when you are first unable to work for which we do not pay benefit. We call this the “deferment period.” Your deferment period will be stated on your Certificate of Insurance. During the first 24 months of receiving benefit you must be totally unable to perform your own occupation. If you are only fit enough to return to work on a part-time basis, or you are unable to perform all of your usual duties, you may be eligible to claim rehabilitation benefit. After we have paid benefit for a period of 24 months, we will only continue to pay benefit if you are totally unable to perform any occupation for which you are reasonably suited by training, education or experience. This means that if, at any time after we have paid benefit for 24 months, you are able to carry out an alternative occupation that is suitable for you, even if it is a less well paid occupation, we will stop paying benefit. All benefit ceases on your 65th birthday.

5) Duration of the policy

Your cover will remain in force for a period of 12 months, provided you maintain your premium payments in accordance with the Global Protection plan Agreement. Your cover is renewable each year up to age 70 for the Life and Accident plan and 65 for the Income plan. Premiums are age-related and will increase as you get older. We review our premiums annually, so the current premium rates are not guaranteed for the duration of your plan.

6) Significant and unusual exclusions or limitations

No benefit will be paid if a claim is as a consequence of:

  • A pre-existing medical condition unless you have told us about it and we have accepted cover for it.
  • Active participation in war, war-like activities, and terrorist activities.
  • War and terrorism, murder, assault, kidnap and similar risks (even if you are an innocent bystander) if you are in a country that the British Foreign Office has advised against all travel to, or a country that we list as an excluded or restricted country on your Certificate of Insurance.
  • Gross negligence and deliberate exposure to exceptional danger, (except in an attempt to save a human life).
  • Participation in professional sport
  • An accident arising from any illegal activity.

The following additional exclusions apply to the Global Life plan (including the Accident benefit)

  • Suicide or attempted suicide, occurring during the first three years of the plan. (If benefits are increased after the plan has commenced this exclusion applies to the increased amount for three years from the date of increase).
  • Any death that has not been reported to us within 12 months of the death occurring.

The following additional exclusions relate to the Accident Benefit:-

  • Suicide, attempted suicide and self-inflicted injuries.
  • War and terrorism, murder, assault, kidnap and similar risks (even if you are an innocent bystander) anywhere in the world.
  • Any illness or disease
  • Food poisoning and bacterial infection (except infection which occurs through accidental cut or wound injury).
  • Accidents resulting from you being under the influence of alcohol or drugs.
  • Accidents whilst participating in a hazardous activity unless you have made a full declaration of how often you intend to participate in that particular activity and we have agreed to cover you for it in writing and you have paid any additional premium required by us to cover the increased risk.
  • Any injury not reported to us within 12 months of the injury occurring.

The following additional exclusions relate to the Income Plan:-

  • The consequence of attempted suicide or self inflicted injuries.
  • Abuse of drugs, alcohol and/or medication.
  • Normal pregnancy.
  • Any disablement not reported to us within 12 months of you becoming totally disabled from work.
  • Payment of benefit for any disability that results from a mental, nervous or psychological disorder of any type will be limited to a maximum period of 24 months and one claim per life-time.
  • Any loss of income arising from loss of your licence to carry on your occupation.
  • For a complete list of exclusions please refer to the Global Protection plan Agreement.

7) Right of Cancellation

You have a right to cancel during the first 30 days of the policy, provided that you confirm this to us in writing and have not made a claim. We will refund the premium you have paid to us, less any medical examination fees we have reimbursed you with.

8) Claims

Please notify William Russell on + 44 1276 486455 or by email at global. protection@william-russell.com. More information about making a claim can be found in the Global Protection plan Agreement.

9) Complaints

Any complaint about the Global Life policy should be addressed to:-

Allianz Nederland Levensverzekering N.V. Buizerdlaan 12, NL-3435 SB Nieuwegein, Netherlands.

Any complaint about the Global Accident benefit or the Global Income plan should be addressed to:-

Allianz Benelux N.V., Coolsingel 139, Postbus 64, NL-3000, AB Rotterdam, Netherlands.

10) Compensation scheme

Neither Allianz Nederland Levensverzekering N.V. or Allianz Beneluz N.V. is covered by any compensation scheme.