William Russell provides global health, life, and income protection insurance with personalized service, strong international benefits, and coverage in 160 countries for individuals, families, and businesses living or working abroad.
William Russell was founded in 1992 by Inez and James Cooper, who set out to provide expats with health, life, and income protection insurance. Their plans are designed to travel with the member wherever they go. Currently, they cover members in 160 countries worldwide. Their plans are underwritten by AWP Health & Life SA, which is part of the Allianz group of companies, the world’s largest financial services group. They are a boutique insurer that prides itself on customer service.
William Russell’s Unique Features
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Human-Centered Service
William Russell does not rely on call centers, automation, or AI for member support. When you contact them, you speak directly with trained staff who handle claims, medical coordination, and inquiries personally. This emphasis on real human service is a core part of their identity.
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Member-Focused Company
William Russell is independently owned and operated, meaning they are not influenced by shareholder demands. Their business decisions prioritize long-term sustainability and fairness for members rather than investor returns. This also allows them to maintain transparent pricing practices and long-term value.
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Strong Global Healthcare Access
William Russell offers members access to an extensive worldwide network of more than 40,000 hospitals, including private facilities, specialists, and direct billing locations across Asia. This gives members reliable access to quality care nearly anywhere in the world.
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Comprehensive Portable Coverage Options
William Russell specializes in portable global insurance, including health, life, and income protection plans. Members can take their coverage with them across borders, receive benefits in multiple countries, and even obtain emergency evacuation worldwide.
William Russell Insurance Products
William Russell Health Insurance
William Russell International Health Insurance plans offer access to private healthcare worldwide, featuring comprehensive benefits for hospital care, diagnostics, cancer treatment, and emergency medical evacuation. Each plan, Gold, Silver, SilverLite, and Bronze, is designed to support globally mobile individuals by offering flexible coverage, personal service, and access to over 40,000 hospitals.
William Russell Health Insurance
International coverage at home and abroad, with optional USA add-ons.
Access to a global network of more than 40,000 hospitals and medical providers.
Comprehensive cancer benefits included with all plans, featuring advanced genome testing.
William Russell International Life Insurance provides portable financial protection for individuals living or working outside their home country. Policies offer high benefit limits, flexible underwriting, and the reassurance that coverage remains valid worldwide.
William Russell Life Insurance
Worldwide life insurance coverage with benefits up to $2 million.
Early payout available if diagnosed with a terminal illness.
An optional accidental death benefit for added financial protection.
William Russell International Income Protection plan is designed to safeguard your earnings if an illness or injury prevents you from working. For expats and globally mobile professionals who rely on consistent income, this coverage provides essential financial stability.
William Russell Income Protection
Replaces your income if illness or injury prevents you from working, with benefits up to USD 144,000 per year.
Premiums are waived while you receive approved benefits.
Coverage is portable worldwide and renewable until age 65.
William Russell has over 40,000 health care providers around the world in its network. It also offers direct billing at many facilities throughout Asia. William Russell offers a preview of its Asian network, with more complete network information provided to members and prospective members.
William Russell Member Services
Unlike most insurance companies, William Russell does not rely on apps, call centers, or AI to perform its work. The company believes the human touch is essential. When you need assistance, call their hotline, and you will be connected to a team that can help you, wherever you are, whenever you need it.
William Russell FAQs
William Russell provides worldwide health coverage, except in the United States. If you plan to visit the USA, you can purchase optional short-term USA coverage for either 45 or 90 days.
Direct billing allows your medical provider to invoice William Russell directly for approved treatments. When available, you will not need to pay upfront or wait for reimbursement.
You may qualify if you are age 75 or younger and living or working outside your country of nationality. Coverage is available in most countries, with a few excluded regions due to regulatory or sanctions restrictions.
No. As long as you already have an active policy before turning 76, you may continue renewing it each year. Eligibility limits only apply to new applicants.
No. William Russell requires a medical questionnaire only once during your initial application. You will not need to re-submit it when you renew your plan.
If you need to make a claim, you can contact the William Russell claims team by phone or email for guidance. You will submit a completed claim form along with your medical invoices, reports, or supporting documents. The team reviews your claim, confirms your coverage, and processes reimbursement directly to your bank account. In many hospitals within their network, William Russell can arrange direct billing so you do not need to pay upfront.
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