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 Health Insurance Benefits
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, second-generation family business, their subscribers (rather than shareholders) come first. At William Russell, you are a person, not a policy number.
| Bronze | SilverLite | Silver | Gold | |
|---|---|---|---|---|
| $1,500,000 | $1,500,000 | $2,500,000 | $5,000,000 | |
| Hospital accommodation | Semi-private room (option for private room) | Private room | Private room | |
| Hospital treatment | Full cover | Full cover | Full cover | Full cover |
| Advanced diagnostic tests | Full cover | Full cover | Full cover | Full cover |
| Cancer genome testing | Full cover | Full cover | Full cover | Full cover |
| Preventive cancer treatment (12-month waiting period) | No cover | No cover | $25,000 with a 20% co-insurance | $40,000 |
| Cancer treatment | Full cover | Full cover | Full cover | Full cover |
| Mental health lifetime limit for treatment | $50,000 | n/a | $75,000 | $100,000 |
| Inpatient & day-patient mental health treatment (12-month waiting period) | 30 days | No cover | Cover up to the lifetime limit | Cover up to the lifetime limit |
| Outpatient mental health treatment (12-month waiting period) | 10 consultations (post-hospital treatment) | No cover | 10 consultations | 10 consultations |
| Outpatient mental health medication (12-month waiting period) | $500 (20% co-insurance) | No cover | $500 (20% co-insurance) | $500 (20% co-insurance) |
| Outpatient annual limit for treatment | No limit | $5,000 (option to extend up to $10,000) | No limit | No limit |
| Primary medical care | Post-hospital treatment | $1,500 (option to extend up to $3,500) | Full cover | Full cover |
| Emergency ward treatment | Accident cover only | Up to the annual limit | Full cover | Full cover |
| Out-patient surgical procedures | Full cover | Up to the 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 |
| Preventive health (6-month waiting period) | No cover | No cover | $400 | $1,200 |
| Vaccinations for adults | No cover | No cover | $300 | $500 |
| Well-child benefit (6-month waiting period) | No cover | No cover | $400 | $800 |
| Emergency dental restorative treatment received as an inpatient | Full cover | $5,000 | Full cover | Full cover |
| Emergency dental restorative treatment received as an outpatient | No cover | No cover | $500 | $1,000 |
| Dental Basic (6-month waiting period) | No cover | Optional | Optional | $1,500 |
| Dental Plus (10-month waiting period) | No cover | No cover | Optional | Optional |
| Routine maternity care and routine care of newborns | No cover | No cover | No cover | $18,500 |
| Complications of childbirth | No cover | No cover | No cover | Full cover |
| Complications of pregnancy affecting the mother | $4,800 | $10,000 | $15,000 | Full cover |
| Treatment for congenital conditions or hereditary conditions for newborns (no waiting period) | No cover | No cover | $10,000 | $100,000 |
| Emergency Medical Evacuation | Full cover | Full cover | Full cover | Full cover |
Customize Your Plan
Make your global health plan work for you with William Russell's range of optional benefits and plans, including the personal accident plan and dental care options.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
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 coverage area.
How Excesses (Deductibles) Work
If you choose a per-claim excess, you would pay that cost per claim but not per 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. A deductible will reduce your premium cost but can increase your out-of-pocket expenses.
If you choose a per annum excess (per year deductible), you will need to pay up to the first $5,000 of the overall treatment you receive annually. After that first $5,0000, William Russell will cover all your costs. However, you will pay out of pocket until you meet the deductible.
William Russell Coverage Zones
William Russell also considers your zone of coverage when determining your premium. Zone 1 gives full coverage anywhere worldwide, including restricted coverage in the USA. You'll have cover for emergency treatment up to $50,000 received on temporary trips to the U.S. of up to 45 days' duration.
Zone 2 gives full coverage in most countries but offers limited coverage in several nations where medical care is more expensive and has no coverage 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 coverage in the USA.
Zones 4 and 5 are available in Africa only and give you coverage in Africa and the Indian Subcontinent but limited coverage elsewhere.
Lastly, Zone 7 gives you full coverage in Southeast Asia (excluding Thailand and Singapore), but there is no coverage elsewhere.
Additional USA Coverage
Additional USA coverage is only available to members who elect Zone 1 as their coverage zone. USA coverage through William Russell is limited and only covers temporary trips lasting up to 45 days. There is no limit to the number of trips you can make in a single policy period.
Within the 45-day limit, William Russell will pay up to $100,000 for elective medical treatment and up to $250,000 for accident and emergency treatment.
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 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 can get William Russell insurance even if they hold a passport for that country).
FAQs about William Russell Health Insurance
Due to the extremely expensive costs of private healthcare in the United States, William Russell elected not to include comprehensive US coverage in its plan tiers. Most of William Russell's policyholders do not require US coverage because they reside elsewhere.
Policyholders have the option to include standard US coverage for short trips to the US. William Russell recommends US citizens who lapsed their domestic coverage include standard US coverage in their plan so they are covered for trips back home.
Standard US coverage is only available to policyholders who select Zone 1 as their area of coverage. USA-45 provides short-term coverage for trips to the US for up to 45 days. William Russell will pay up to $100,000 for elective medical treatment and up to $250,000 for accident & emergency treatment.
If you are interested in including comprehensive US coverage in your international health plan, please review these top US coverage plans.
With your William Russell health plan, you will have access to top-rated hospitals and doctors within your selected area of coverage zone. Worldwide, William Russell has 40,000 hospitals in its medical network.
If you seek treatment at an in-network hospital or medical facility, William Russell will settle your bills with the hospital directly. You will not have to pay out-of-pocket and deal with submitting a claim afterward.
Premium rates are based on age and increasing healthcare costs. Therefore, policy premium rates increase each year that you renew.
In order to keep your premium at a low cost, members can elect to include a per claim or per annum excess. A per claim excess is the amount you pay each time you submit a claim for a new medical condition. A per annum excess is the total amount you will pay out-of-pocket in a single period of cover.
For example, if you elect a $500 per annum excess, William Russell will not begin to cover medical expenses until you pay the first $500 incurred during your period of cover. After you pay your per annum excess, William Russell will cover the remaining costs for medical treatment.
Refer to page 17 of the William Russell brochure to review the per claim and per annum excess options available.
William Russell offers six areas of coverage zones. Only members residing in Indonesia have the ability to elect Zone 3 as their coverage area. Members residing outside of Indonesia can choose one of the other five zones.
- Zone 1 - Worldwide cover, with restricted cover in the USA.
- Zone 2 - Full cover in most countries, with restricted cover where private healthcare is expensive but no cover in the USA.
- Zone 3 - Special area of cover for residents in Indonesia, with restricted cover where private healthcare is expensive but no cover in the USA.
- Zone 4 - Full cover in Africa & Indian Subcontinent, with restricted cover elsewhere but no cover in the USA.
- Zone 5 - Full cover in Africa (except South Africa) & Indian Subcontinent, with restricted cover elsewhere but no cover in the USA.
- Zone 7 - Full cover in Southeast Asia only. Zone 7 is not available if your country of residence is Indonesia.
William Russell notes that as a rule of thumb, a more restrictive zone means a greater saving on your premium. Therefore, if you are looking to lower your premium cost, you should elect a more restrictive area of coverage zone.
Build a plan to suit your needs.
Our specialists are here to guide you through a personalized quote.
