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COVID-19 remains a huge challenge around the world. Find out how you’re covered. Service for members is unaffected.

Beat the rate rise

Take out your cover by 31 December 2018 to avoid the increase

It might be a fact of life expats have to live with, but there are still big savings to be made by taking a policy into 2019, at 2018's rates.

International medical costs alone are predicted to rise by an estimated 6% during 2019, according to PwC's Health Research Institute.

Read on to see what will affect healthcare costs in 2019.

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1. Medical cost trends have stabilised at single-digit increases

PwCs Health Research Institute states that while we will no longer see the peak double-digit increases of the 2000s, medical costs continue to grow with 6% growth expected in 2019

The three main factors driving the continued medical cost increase:

  1. The rising demand for care anytime, anywhere is increasing investment in developing more ways to access care.
  2. After several mega mergers between providers prices will likely rise as the new entity gains more negotiating power.
  3. More doctors have increased their scope to practice as employees of health systems, medical groups and hospitals – and are being charged at higher prices than independent doctors.

2. Insurers are having to take on more costs

There are a number of factors that insurers need to take into consideration when reviewing premiums. Here we list the top 3:

1. Our global ageing population, coupled with a less active lifestyle means that more medical treatment is required for age related illnesses.

2. Certain lifestyle phenomena causing the global rise in diabetes and high blood pressure, which increase the demand for medical care to diagnose, treat or manage long-term conditions.

3. Provider regulation. In some markets, e.g. Hong Kong, the cost of medical treatment is not tightly regulated, which means the price of treatment can be sky high.

3. Demand is higher than ever

Health insurance is no longer an emergency resource only.

Medical technology and innovation means that outcomes and patient satisfaction is improved, but costs inevitably are higher as a result.

Consumer demand for access to health care, 24/7, 365 days per year, and through a variety of channels, means that investment is required to develop these services by by both medical and insurance providers. This ‘care anywhere, and everywhere’ trend is also driving utilisation – making it a key inflating factor for 2019.


Take out a plan for 2019 at 2018’s rates

There’s still a very simple way to arrange your affordable health cover and to beat the rate rise, by taking your policy out before December 31st 2018.

We offer a range of plans for international living, covering you for a range of situations. Each plan offers access to hospitals worldwide, prompt payments and cover for long-term conditions.

See our range of health insurance plans by clicking on the link below.

Choose your plan

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?

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