William Russell Health Insurance Plans

William Russell specialize in providing international health insurance plans to expatriate customers worldwide. William Russell's Global Health Plans are available for individuals and families, and company employees and their dependents. There are a range of plans available with various levels of coverage and competitive premiums. All Company plans with 20 or more members are offered a Medical History Disregard benefit, allowing health insurance coverage to those with pre-existing conditions.

William Russell offers optional benefits for expats living in geographic regions including Asia, Africa, India, and the United Arab Emirates (UAE). Premium saving options are available to those attending expensive hospitals in Singapore or Hong Kong, as well as lower priced hospitals in Africa and India. William Russell and the reputable Dubai Insurance Company, have merged to provide quality health insurance for expats living in the UAE. Direct billing facilities have been set up for those living in Hong Kong, China, and Dubai.

Global Health Plans:

• Individual and Family
  
  Global Health (Platinum)
  Global Health Essential (Essential Care, Essential Care Plus)
  Global Health Elite (Bronze, Silver, Gold)
  
  Optional Benefits for expats individuals and families living in:
  China and Hong Kong
  Indonesia
  Singapore
  Africa & India
• Company plans
  
  Global Health (Platinum)
  Global Health Essential (Essential Care, Essential Care Plus)
  Global Health Elite (Bronze, Silver, Gold)
  
  Optional Benefits for expats companies based in:
  China and Hong Kong
  Indonesia
  Singapore
  Africa & India
  UAE

For more information about William Russell health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.

William Russell Company plans

• Global Health (Platinum)
• Global Health Essential (Essential Care, Essential Care Plus)
• Global Health Elite (Bronze, Silver, Gold)

William Russel Company health plans are available to any group of people, with at least 3 or more members. A company will sponsor a company health plan and so can any other group, such as a sporting or religious association.

Tailor-made plans are available for groups with more than 50 members.

A Medical History Disregard (MHD) Benefit* is available for company plans with 10 or more members.

* MHD Benefits: Medical history is disregarded in the underwriting of the claim. Those with chronic and pre-existing conditions* will have their treatments covered.

* A pre-existing condition is a medical condition or injury which is present prior to the start of your health insurance policy.

See Summary of Global Health Company Plans:

• Annual limits
• Area of Cover
• Hospital Cover
• Outpatient Cover
• Chronic Conditions
• Maternity Cover
• Dental Cover
• HIV/AIDs Treatment
• Emergency Treatment

Optional Benefits for expats individuals and families living in:

• China and Hong Kong
• Indonesia
• Singapore
• Africa & India
• UAE

Annual limits

All rates are expressed in US Dollars.

* $50 excess is applied to all plans except for Global Health Essential Care and Global Health Elite Bronze.

Area of Cover

* Cover excludes: Australia, Canada, the Caribbean, Europe, the London area, New Zealand, Bali, China, Hong Kong, Japan, Macau, Singapore, Taiwan, and the USA

* Emergency treatment: Cover available up to 90 days, up to 50,000 outside of coverage areas, excluding USA, Canada, the Caribbean, or London.

Hospital Cover

Hospital Cover

All rates are expressed in US Dollars.

*Hospital Cash Benefit: A cash benefit is offered to the policy holder if they stay in a hospital where there is no medical fee (such as a public hospital).

Outpatient Cover

Outpatient Cover

All rates are expressed in US Dollars.

* Complimentary Treatment: Maximum 10 sessions per year. Includes Chiropractor, Osteopath, Homeopath, and Acupuncture

* Chinese Medicine: Registered Chinese Medicine practitioner, maximum 10 sessions

* Psychiatric Treatment (outpatient): 24 month waiting period, maximum 10 sessions

* Home Nursing: Maximum 12 weeks per year

* Well-being Benefit: 12 month waiting period. Annual medical check up. Pap smear and Prostate Cancer check. Policy holder pays excess (if applicable) before entitlement.

* Well-child Benefit: Policy holder pays excess before entitlement to well-child benefit.

Chronic Conditions*

Chronic Conditions*

All rates are expressed in US Dollars.

* Chronic conditions are defined as conditions that have require ongoing medical treatment and from which the patient will not recover. Some examples of chronic conditions include diabetes, arthritis and asthma.

Maternity Cover

Maternity Cover

All rates are expressed in US Dollars.

* Coverage for Newborns: Hospital care for first 28 days of newborn's life. 12 month waiting period.

* Maternity Benefits: Pre/Post natal are, childbirth, caesarian. 12 month waiting period.

Dental Cover

Dental Cover

All rates are expressed in US Dollars.

* Emergency Dental Outpatient/Inpatitent: Corrective treatment after accident

* Routine Dental: Two check ups per year, routine clean, preventative, amalgam filling.

* Complex Dental treatment: Crowns, bridges, inlays.

HIV/AIDs Treatment

HIV/AIDs Treatment

All rates are expressed in US Dollars.

* HIV/AIDS Treatment: 24 month waiting period, maximum 5 years, limit on outpatient treatment according to plan

Emergency Treatment

Emergency Treatment

All rates are expressed in US Dollars.

Optional Benefits:

Expats living in China and Hong Kong

Direct billing benefits are available for expats companies based in Hong Kong and China. Direct billing allows members to receive outpatient care at Network Provider medical centers, without the need to pay and claim for treatment. Members simply present their membership card to the listed facility and the claim is processes between William Russell and the medical center.

Direct Billing is offered as an optional benefit on the Global Health Elite (Gold, Silver or Bronze) plan. The benefit incurs a small surcharge fee of 7.5 percent on the annual premium.

William Russell Network Providers:

• Beijing
  Bayley and Jackson Clinic
  Hong Kong International Medical Clinic
  International Medical Centre
  United Family Medical Centre
  Vista Clinic
  Amcare Women and Children's Clinic
• Shanghai
  Shanghai East International Medical Centre
  Shanghai St Michael Hospital
  Sino United Health Clinic
  St Reiss Medical Centre
  United Family Hospital
• Hong Kong
  Quality HealthCare Medical Services

Expats living in Singapore

Singapore hospitals offer quality care, but are highly expensive. Options are available for expat groups to save up to 8 percent on their premium by having their hospital treatment within a semi-private room, rather than a private room.

Expats living in Indonesia

Global Health members have access to Global Assistance and Healthcare, a 24 hour medical emergency phone line and medical centre service. Global Assistance and Healthcare is the country's leading emergency and repatriation service, staffed by medical professionals with knowledge of the local health issues and health care system.

Global Assistance and Healthcare offers:
24 hour Alarm Centre – staffed by medically trained consultants, members can call the service for emergency assistance, health advice, first aid, locate a health professional, and organise emergency evacuation and repatriation.
Medical Centre – based in Jakarta and staffed by qualified and experienced health care professionals, the service provides medical examination and other primary health care services.

Expats living in Africa & India

Medical costs vary world-wide and are generally lower in the African and Indian region. As such, William Russell have created Area Four, a premium saving option available to members on Global Health Platinum and Global Health Elite plans.

Area Four will discount your premium by limiting your geographic area of coverage. Members with an Area Four benefit will be entitled to treatment within the African or Indian sub-continent region. Emergency treatment will be covered when visiting areas outside area of this region, up to US$100,000 excluding the USA, Canada, the Carribbean, and London.

For more information about William Russell health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.

Expats companies based in the UAE

William Russell and the reputable Dubai Insurance Company, have merged to provide quality health insurance for expats companies based in the UAE.

Members living in the UAE who are a member of a Global Health Elite or a Global Health Essential Plan, are entitled to direct billing benefits available through Neuron's Network of Medical Providers. Direct billing allows members to receive outpatient and inpatient* care, without the need to pay and claim for treatment. Members simply present their membership card to the facility and the claim is processed between the insurer and the medical center or hospital.

* Members must obtain pre-authorisation for hospital treatment and some outpatient treatments.

Neuron's Network Providers: There are over 640 medical clinics are available to those on a Global Health Elite company plan or a Global Health Essential company plan. See the William Russell UAE company website for details of health providers.