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About our policies and cover

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About William Russell

For Brokers

If you have a medical emergency and you require immediate medical assistance, please contact our 24hr helpline, +44 1243 621155 or email william.russell@cegagroup.com

Our Medical Network

Here you can see an extract of the medical providers in our network and the billing types they accept. For further details on billing methods or to find out if we partner with a specific facility, please speak with a member of our team who will be happy to help.

Where our customers are covered

Where you are covered

Our Global Health plans allow you the absolute freedom to choose when and where you receive medical treatment within your Area of Cover.


Elite plans

The Elite plans are designed for expatriates and international citizens living and working anywhere in the world.

With the Elite plan, you are free to choose where you have your medical treatment. Since healthcare treatment in the USA is particularly expensive, we have made USA cover optional, so you don’t have to pay for health cover you don’t need.


Essential plans

The Essential plans are designed for expatriates and international citizens seeking cover for medical expenses within a region, providing a comprehensive yet affordable degree of cover.

The Essential plans are available to residents of the African continent, Central & Southeast Asia (except Bali and Singapore), Latin America, the Middle & Near East (except UAE), the Indian Subcontinent, and Eastern Europe (except EU countries).

With an Essential plan, you are free to choose where you receive medical treatment within these regions.



Find a hospital


Direct billing
Direct billing is a service whereby customers can receive eligible out-patient treatment up to US$500 at a hospital or medical facility and the costs will be billed and settled directly between us and the medical provider. Please refer to your plan for details of the cover you are entitled to.
Guarantee of Payment
Guarantee of Payment is a service whereby customers can receive eligible treatment from a provider, where the treatment has been agreed in advance and the provider holds a Guarantee of Payment from William Russell Ltd.
Other - for medical providers listed with this pink symbol, please read the description against the medical provider, alternatively you can contact William Russell for further information.