International Medical Insurance With a Personal Touch
A William Russell international health insurance plan gives you access to private medical care in whatever nation you’re in. William Russell has provided expat medical insurance for nearly thirty years, and members in 160 countries trust the company to cover their medical care. The company offers personalized service, with teams available 24/7 whenever you need support. In order to keep premiums low, they offer limited coverage in the US as an add-on only.
A William Russell international health insurance plan gives you access to private medical care in whatever nation you’re in. William Russell has provided expat medical insurance for nearly thirty years, and members in 160 countries trust the company to cover their medical care. The company offers personalized service, with teams available 24/7 whenever you need support. In order to keep premiums low, they offer limited coverage in the US as an add-on only.
William Russell Health Insurance Highlights
Whether you are an individual, a family, or an individual planning a family, you can find the right plan with William Russell medical insurance. The company offers four plan tiers, each one built around your specific needs.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
William Russell Plan Tiers
No matter what tier you choose, William Russell medical insurance offers access to top-rated hospitals and doctors around the world. They are also known for their personal service. As an independently owned insurer, their subscribers (rather than shareholders) come first. At William Russell, you are a person, not a member number.
| Bronze | SilverLite | Silver | Gold | |
|---|---|---|---|---|
| Overall Maximum Coverage | $1,500,000 | $1,500,000 | $2,500,000 | $5,000,000 |
| Hospital Coverage | Full cover Semi-private room | Full cover Semi-private room | Full cover Private room | Full cover Private room |
| Outpatient Coverage | Primary medical care for post-hospital treatment only | Up to $1500 in primary medical care | Full cover Includes 10 sessions of complementary treatments | Full cover Includes 15 sessions of complementary treatments |
| Mental Health Treatment (12 month waiting period) | 30 days of inpatient treatment; 10 sessions of post-hospital treatment | No cover | 30 days of inpatient treatment; 10 sessions of outpatient treatment | 30 days of inpatient treatment; 10 sessions of outpatient treatment |
| Maternity Coverage | $4800 for pregnancy complications only | $10,000 for pregnancy complications only | $15,000 for pregnancy complications and $10,000 for treatment of hereditary or congenital conditions in the 90 days following birth | $15,000 for routine maternity care, full cover for complications of pregnancy and childbirth requiring emergency surgery, and $100,000 for treatment of hereditary or congenital conditions in the 90 days following birth |
| Prescription Benefits | Post-hospital only | Up to $1500 | Full cover | Full cover |
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
William Russell Health Insurance Benefits
| Annual benefit limit | $1,500,000 | $1,500,000 | $2,500,000 | $5,000,000 |
| Hospital costs | ||||
| Hospital accommodation | Semi-private room | Semi-private room | Private room | Private room |
| Hospital treatment | Full cover | Full cover | Full cover | Full cover |
| Cancer treatment | ||||
| Cancer genome testing | $6,000 | $6,000 | $6,000 | $6,000 |
| Cancer treatment | Full cover | Full cover | Full cover | Full cover |
| Mental health treatment | ||||
| Lifetime limit for treatment | $50,000 | n/a | $75,000 | $100,000 |
| In-patient & day-patient treatment (12-month waiting period) | 30 days | No cover | 30 days | 30 days |
| Out-patient consultations (12-month waiting period) | 10 sessions (post-hospital treatment) | No cover | 10 sessions | 10 sessions |
| Out-patient treatment | ||||
| Annual limit for treatment | No limit | Up to $10,000 | No limit | No limit |
| Validity period for post-hospital treatment | 90 days | n/a | n/a | n/a |
| Primary medical care | Post-hospital treatment | Up to $1,500 | Full cover | Full cover |
| Emergency ward treatment | Accident cover only | Cover to annual limit | Full cover | Full cover |
| Out-patient surgical procedures | Full cover | Cover to annual limit | Full cover | Full cover |
| Advanced diagnostic tests | Full cover | Cover to annual limit | Full cover | Full cover |
| Complementary treatments | 10 sessions (post-hospital treatment) | No cover | 10 sessions | 15 sessions |
| Physiotherapy | $1,000 (post-hospital treatment) | $250 | Full cover | Full cover |
| Monitoring & maintenance of chronic conditions | No cover | Up to primary medical care benefit limit | Full cover | Full cover |
| Well-being benefits | ||||
| Preventive health (6-month waiting period) | No cover | No cover | $300 | $750 |
| Vaccinations for adults | No cover | No cover | $150 | $250 |
| Well-child benefit (6-month waiting period) | No cover | No cover | $200 | $400 |
| Dental costs | ||||
| Emergency restorative treatment received as an in-patient | Full cover | $5,000 | Full cover | Full cover |
| Emergency restorative treatment received as an out-patient | No cover | No cover | $500 | $1,000 |
| Dental Basic (6-month waiting period) | No cover | Optional | Optional | $1,500 |
| Maternity costs (12-month waiting period) | ||||
| Routine maternity care | No cover | No cover | No cover | $15,000 |
| Complications of pregnancy | $4,800 | $10,000 | $15,000 | Full cover |
| Childbirth necessitating emergency surgical procedure | No cover | No cover | No cover | Full cover |
| Treatment for congenital conditions or hereditary conditions for newborn babies in the 90 days following birth | No cover | No cover | $10,000 | $100,000 |
| Expat benefits | ||||
| Medevac Basic | Full cover | Full cover | Full cover | Full cover |
Click here to read the full schedule of benefits.
How Much Does William Russell Health Insurance Cost?
William Russell determines the rates for your plan based on your age, your country of residence, the excess (deductible) you choose, and your area of coverage.
How Excesses (Deductibles) Work
If you choose a per claim excess, then you would pay that cost per every claim, but not every treatment. For example, if you break a rib and have a $50 per claim excess, you will only pay that $50 on the first visit. This will reduce your premium cost but can increase your out-of-pocket costs.
If you choose a per annum excess (per year deductible), then you will need to pay up to the first $5,000 of the overall treatment you receive per year. After that first $5,0000, William Russell will cover all of the costs you incur. This will reduce your premium costs, but you will find yourself paying out of pocket until you meet the deductible.
William Russell Coverage Zones
William Russell also takes your zone of coverage into account when determining your premium. Zone 1 gives full cover anywhere in the world but the USA. Zone 2 gives full coverage in most countries but offers limited coverage in several nations where medical care is more expensive and has no cover in the USA. Zone 3, only available in Indonesia, gives full coverage in most countries but requires a co-pay in several countries and offers no cover in the USA.
USA Coverage
Limited USA cover is available as an additional option. This cover is only for trips of up to 90 days in the USA.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
William Russell Global Health Insurance Eligibility
Applicants must be under the age of 76; however, once you are a member you can continue to renew even if you are over 76. You must be living outside of your country of nationality (except for people who live in Botswana, Kenya, Nigeria, Mauritius, Estonia and Malawi, who may get William Russell insurance even if they hold a passport for that country).
FAQs about William Russell Health Insurance
Private healthcare in the USA is very expensive. William Russell has chosen to offer coverage for short trips to the USA as an add-on only in order to keep premiums to a reasonable price.
There are over 40,000 hospitals around the world in the WIlliam Russell network.
Your premium will increase every year due to your age and increasing health care costs.
Zone 1 gives full cover anywhere in the world but the USA.
Zone 2 gives full coverage in most countries but offers limited coverage in the UK, the European Economic Area, Andorra, the Channel Islands, Gibraltar, Greenland, Monaco, San Marino, Switzerland, the UAE, Singapore, China, Hong Kong, Macau, Taiwan, Japan, Australia, New Zealand, Canada and the Caribbean countries and islands and no cover in the USA.
Zone 3, only available in Indonesia, gives full coverage in most countries but requires you to pay 20% towards the cost of elective treatment in China, Hong Kong, Macau, Taiwan, Japan, Singapore, Switzerland and the London area and no cover in the USA.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
