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William Russell Health Insurance Pla

William Russell Health Insurance Plans for international employees, individual and family. Click here to get a free health insurance quote now.

  • William Russell logo

    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 Individual & Family Health Insurance Plans

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

    See Summary of Global Health 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


    Annual limits

    Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    2,500,000 2,500,000 2,000,000


    Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    1,000,000 500,000 250,000

    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

    Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Worldwide Cover
    (cover available
    in USA)
    Worldwide Cover
    (cover available
    in USA)
    Worldwide Cover
    (cover available
    in USA)


    Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Worldwide Cover
    (cover available
    in USA)
    Limited* Limited*

    * 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

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Private
    Room
    Full Cover Full Cover Full Cover
    Parent
    Accommodation
    Full Cover Full Cover Full Cover
    Surgery,
    Diagnostic
    Tests
    Full Cover Full Cover Full Cover
    Organ
    transplant
    Full Cover Full Cover Full Cover
    Cancer
    Treatment
    Full Cover Full Cover Full Cover
    Hospital Cash
    benefit*
    320 160 80
    Psychiatric
    Treatment
    (inpatient)
    80,000 64,000 48,000
    Palliative
    Care
    48,000 32,000 24,000
    Ambulance Full Cover Full Cover Full Cover


    Hospital Cover

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Private
    Room
    Full Cover Full Cover Full Cover
    Parent
    Accommodation
    Full Cover Full Cover Full Cover
    Surgery,
    Diagnostic
    Tests
    Full Cover Full Cover Full Cover
    Organ
    transplant
    Full Cover Full Cover Full Cover
    Cancer
    Treatment
    Full Cover Full Cover Full Cover
    Hospital Cash
    benefit*
    40
    Psychiatric
    Treatment
    (inpatient)
    40,000
    Palliative
    Care
    16,000 25,000 15,000
    Ambulance Full Cover 1,600 1,200

    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

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Doctors
    Consultation,
    Prescription
    medications,
    Diagnostic
    Tests
    Full Cover Full Cover Full Cover
    Emergency
    treatment
    (no hospital
    admission)
    Full Cover Full Cover Full Cover
    Day
    surgery
    Full Cover Full Cover Full Cover
    Complimentary
    Treatment
    Full Cover Full Cover Full Cover
    Chinese
    Medicine
    32 32 32
    Physiotherapy 4,000 1,600 800
    Psychiatric
    Treatment
    (outpatient) *
    80,000 64,000 48,000
    Home Nursing Full Cover Full Cover Full Cover
    Well-being*
    benefit
    800 400 240
    Well-child
    Benefit*
    500


    Outpatient Cover

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Doctors
    Consultation,
    Prescription
    medications,
    Diagnostic
    Tests
    Full Cover Full Cover Full Cover
    Emergency
    treatment
    (no hospital
    admission)
    Full Cover
    Day
    surgery
    Full Cover Full Cover Full Cover
    Complimentary
    Treatment
    Full Cover
    Chinese
    Medicine
    Physiotherapy 400 250 250
    (post hospital
    treatment)
    Psychiatric
    Treatment
    (outpatient) *
    40,000
    Home Nursing Full Cover
    Well-being*
    benefit
    Well-child
    Benefit*

    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*

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Monitor,
    consultations
    Full Cover 10,000 5,000
    Acute illness,
    flare ups
    Full Cover Full Cover Full Cover


    Chronic Conditions*

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Monitor,
    consultations
    Acute illness,
    flare ups
    Full Cover Full Cover Full Cover

    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

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Maternity
    Complications
    Full Cover 9,600 6,400
    Coverage for
    Newborns
    *Routine
    Maternity
    Care:
    Childbirth,
    Pre/Post
    Natal
    Treatment


    Maternity Cover

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Maternity
    Complications
    4,800 5,000
    Coverage for
    Newborns
    *Routine
    Maternity
    Care:
    Childbirth,
    Pre/Post
    Natal
    Treatment

    All rates are expressed in US Dollars.

    * Maternity Benefits: Complications as a result of pregnancy is covered. Pre and Post Natal Care, Childbirth and Emergency Caesarian Section not covered.



    Dental Cover

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Emergency
    Dental
    Outpatient*
    1,200 800 400
    Emergency
    Dental
    Inpatient*
    Full Cover 12,800 8,000
    Routine
    Dental*
    2,000 1,000
    Complex
    Dental
    treatment*
    2,000


    Dental Cover

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Emergenc
    Dental
    Outpatient*
    Emergency
    Dental
    Inpatient*
    4,800 5,000 2,500
    Routine
    Dental*
    Complex
    Dental
    treatment*

    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

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Inpatient and
    Outpatient
    Treatment
    10,000 5,000 5,000


    HIV/AIDs Treatment

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Inpatient and
    Outpatient
    Treatment
    5,000 2,500 1,000

    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

     Global Health
    Platinum
    Global Health
    Elite Gold
    Global Health
    Elite Silver
    Emergency
    Evacuation
    Travel expenses
    accompaniment
    of companion
    Accommodation
    for companion
    160 120 96
    Repatriation
    of mortal
    remains
    20,000 16,000 11,200
    Compassionate
    home travel
    Full Cover Full Cover Full Cover


    Emergency Treatment

     Global Health
    Elite Bronze
    Global Health
    Essential Care Plus
    Global Health
    Essential Care
    Emergency
    Evacuation
    Travel expenses
    accompaniment
    of companion
    Accommodation
    for companion
    72
    Repatriation
    of mortal
    remains
    8,000 10,000 5,000
    Compassionate
    home travel
    Full Cover

    All rates are expressed in US Dollars.



  • Optional Benefits:

    Expats living in China and Hong Kong

    Direct billing benefits are available for expats living 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 your 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 individuals and families 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.

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