Underwriter
Regulator
Claims Processing
A A. M. Best Rating
24.5
BrokerFish Rating
William Russell International Health Insurance

William Russell is a leading international health insurance provider - administered in the United Kingdom. Since 1992, they've focused exclusively on serving the needs of the expatriate community and have grown a customer base that spans over 180 countries.

Their health insurance plans are provided globally and are underwritten by Allianz - one of Europe's largest and most well-respected insurers (A.M Best rated: A). William Russell offers a range of competitive plans that include regional cost effective plans as well as major-medical and comprehensive levels of cover.

Key Facts
  • Founded: 1992
  • HQ: UK
  • Support: UK
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 64
  • Policy Holder: Expatriate
Highlights
  • Plans represent value in marketplace
  • Comprehensive coverage
  • Choice of Underwriting
  • Lifetime renewable
  • Responsive member service
  • Reliable long-term family business
  • Switch from current policy enabled
William Russell Global Health Elite Plan Options

Global Health Elite provides great flexibility by offering many options that are not seen elsewhere including routine dental for the silver sub-product and complex dental for gold. China and Hong Kong residents can benefit from direct-billing in those locations if they purchase that option. Finally William Russell also offer travel insurance and daily indemnity policies that can be purchased on application if required.

USA Cover
Dental
Complex Dental
HK Hospital Room
Out-Patient Direct Billing
Global Travel
Global Personal Accident

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William Russell Global Health Elite Member Services

Access a wide range of world-class services from William Russell which has over 20 years experience serving expats.

All Global Health Elite members receive access to a wide range of services including: 24/7/365 emergency helplines and access to claims support teams. They also have extensive online functionality from application, policy management, renewal and content services.

William Russell Global Health Elite Sub Products

The "Elite" range contains three plans called: "Bronze", "Silver" and "Gold". Those looking for major medical plans may find the Bronze plan suitable though even this as their entry-level policy is quite comprehensive relative to others in the market. The Silver plan provides increased levels of out-patient, well-being and additional dental. The top of the line Gold plan has overall higher lifetime limit to $2.5 million in addition to increasing individual benefit limits across the board.

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You can select a cover area that best reflects your geographic area of need.

William Russell provide four areas of cover to choose from. Area One provides cover worldwide but excludes treatment in the USA. Area Two includes treatment for temporary trips up to 45 days and limited to $100,000 of cover. Area Three also includes cover in the USA but extends cover to 90 daya and $250,000 and finally Area Four covers you in Africa and the Indian Sub-continent with limited, temporary cover elsewhere.

Compare William Russell Global Health Elite Sub Products

Compare Plans

Bronze Silver Gold
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Deductibles
Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack
Maximum Benefit

$1 million

$2 million

$2.5 million

USA Elective Treatment

In-Patient

Bronze

Silver

Gold

Hospital Accommodation

Semi-Private

Semi-Private

Semi-Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant
Physiotherapy
Rehabilitation

7 days following IP

15 days following IP

30 days following IP

Hospice

$25,000

$50,000

$100,000

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

Bronze

Silver

Gold

Out-Patient Surgery
Medical Practitioner Fees

post-hospitalisation

Specialist Fees

post-hospitalisation

Prescription Drugs

post-hospitalisation

Diagnostic Tests
Diagnostic Scans
Home Nursing Care

12 weeks max per year

12 weeks max per year

12 weeks max per year

Prosthetic Devices

$500 (post-hospitalisation)

$625 (post-hospitalisation)

$1,500 (post-hospitalisation)

Chiropractic

10 sessions (post-hospitalisation)

10 sessions

15 sessions

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$5,000 (per year, 5 years max, wait 2 years)

$75,000 (per year, 5 years max, wait 2 years)

$100,000 (per year, 5 years max, wait 2 years)

Physiotherapy

$1,000 (post-hospital treatment only)

Oncology
Alternative Therapies

$32 (max 10 sessions)

$32 (max 10 sessions)

Maternity

Bronze

Silver

Gold

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$10,000 (wait 10 months)

Newborn Care

$10,000 (wait 10 months)

$100,000 (wait 10 months)

Congenital Disorder Congenital Disorder
Newborn defects present at birth.
Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

$4,800

$15,000

Dental

Bronze

Silver

Gold

Emergency In-Patient

(within 15 days of accident)

(within 15 days of accident)

(within 15 days of accident)

Emergency Out-Patient

$500 (within 72 hours of accident)

$1,000 (within 72 hours of accident)

Routine

$1,000

Complex
Orthodontic

Well-Being

Bronze

Silver

Gold

Routine Health Check

$300

$500

Vaccinations

$300

$500

Psychiatric

Bronze

Silver

Gold

In-Patient Treatment

$50,000 per life-time (wait 2 years)

$75,000 per life-time (wait 2 years)

$100,000 per life-time (wait 2 years)

Out-Patient Treatment

$50,000 per life-time (wait 2 years)

$75,000 per life-time (wait 2 years)

$100,000 per life-time (wait 2 years)

Evacuation

Bronze

Silver

Gold

Medical Evacuation
Medical Repatriation
Repat' of mortal remains
Compassionate visit

Economy airfare

Economy airfare

Economy airfare

Companion expenses

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Bronze

Silver

Gold

Eye tests & consultations
Glasses & contacts

Chronic Conditions

Bronze

Silver

Gold

Monitoring & maintenance
Stabilisation of chronic episode
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