• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance Plans
      ▼
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      ▼
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    ▲
    • Cigna Global Insurance Company
      ▼
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      ▼
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      ▼
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      ▼
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      ▼
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      ▼
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      ▲
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      ▼
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North and Central America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      ▼
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Request a free international health care quote

Or call for a quote:
877-758-4881
+44 (20) 35450909

International Citizens Insurance

Medical and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance Plans
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    • Cigna Global Insurance Company
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North and Central America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Home > Global Insurance Companies > William Russell Insurance > William Russell Health Insurance

William Russell Health Insurance

william russell health insurance

International Medical Insurance With a Personal Touch

william russell health insuranceA 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.

Overall Maximum Coverage

Maximum coverage ranges from $1.5M to $5M per year, depending on your plan tier.

Prescription Limits

Silver and Gold tiers offer full prescription coverage.

Inpatient and Outpatient Coverage

Full cover for inpatient hospital treatment. Most tiers have no limit on outpatient treatment.

Maternity Coverage

The Gold tier offers robust maternity coverage, while other tiers offer coverage for pregnancy complications.

Cancer Coverage

Full cover, including $6,000 for cancer genome treatment.

Emergency Evacuation

All plans offer Medevac Basic, with the option to add on Medevac Plus coverage.

Build a plan to suit your needs.

Our specialists are here to guide you through a personalized quote.

Get a Free 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.

Plan Tier Compairson
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.

Get a Free Quote

William Russell Health Insurance Benefits

Plan Limit
Annual benefit limit $1,500,000 $1,500,000 $2,500,000 $5,000,000
Hospital Benefits
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 Benefits
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 Benefits
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 Benefits
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
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 Benefits
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 Benefits
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
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.

Get a Free 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

Why doesn’t William Russell provide full coverage in the USA?

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.

How many hospitals are in William Russell’s network?

There are over 40,000 hospitals around the world in the WIlliam Russell network.

Will my premium stay the same as long as I renew?

Your premium will increase every year due to your age and increasing health care costs.

What are William Russell's zones of coverage?

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.

Get a Free Quote

More to Read:

William Russell Insurance

Read More →
Expatriates and Global Nomads

Expat Insurance: Health, Life, and Travel Insurance

Read More →
Share this

Primary Sidebar

Coverage and Plan Info

  • Overview
  • Benefits
  • Rates
  • Eligibility
  • FAQs

Get a quote for the
William Russell Health Insurance plan.

Request a Quote

Download Brochure

Get a fast, free, expat insurance quote.

Request a Quote

Footer

Global Medical Plans

International Health Insurance
Cigna Global Health
GeoBlue Xplorer Premier
IMG Global Medical
Now Health International
William Russell

Specialty Coverage

Overseas Health Insurance
US Citizens Abroad
US Health Insurance
Senior Travel Insurance
Visitors Insurance Coverage
Schengen Visa Insurance
Annual Multi Trip

Company Info

About Us
The Team
International Brokers
Testimonials
Agents / Affiliates

Customer Service

United States 877-758-4881
US Direct 617-500-6738
International +44 (20) 35450909
US Travel Insurance Association Member International Citizens Insurance Business Review

18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

Contact US | Privacy Policy | Licensing | Sitemap

Copyright © 2023, International Citizens Insurance, an International Citizens Group, Inc. company


Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent.
International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries.
This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.
International Citizens Insurance is a subsidiary of International Citizens Group, Inc. In the State of California, operating as International Citizens Insurance Agency. California Non-Resident Producer License Number: 6005545.

By continuing to browse this website you are agreeing to our use of cookies.