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Purchasing international health insurance can be confusing. There are just so many providers and policies out there, each with different benefits, coverage options, insurance jargon, and service promises. Read on to find out how our cover can match your needs.
International health insurance is quite different from holiday or business travel insurance. It’s designed for expats or remote workers living permanently abroad, or for people who spend a great deal of the year travelling. Plus, healthcare systems vary from one country to another. Just because one health insurance plan is appropriate for living in one country, it doesn’t mean that it’s the right fit for another.
So once you’ve decided you might need international health insurance, your next challenge is picking the appropriate health plan. You want to get this one right, so you’ll need to think about your circumstances and requirements.
We’ve designed our international health insurance around modern expat living. Whether you’re a single professional in Sub-Saharan Africa or you’re a large family in Southeast Asia, together we can build the right cover for you. We have plenty of options to personalise your plans, so you can find the cover that suits your circumstances.
We’ve organised our international health insurance into two standard plans. These plans describe what you’ll be covered for and what you won’t be covered for. We named the plans after metals, so they’re easier to quickly distinguish – Silver and Gold. Silver is the most popular plan with our members.
Once you’ve picked your standard plan, you can personalise your cover with optional benefits and excesses, but for now—let’s focus on the plans’ healthcare benefits.
As the names of the health plans suggest, Gold is more comprehensive (and thus expensive) than Silver. But both plans include the same foundational benefits:
You have 24/7 access to doctors and mental health professionals via voice/video calls and live chat through the TruDoc smartphone app.
This means you can:
When people think of health insurance, they tend to think about hospitals and hospital treatment. Some insurance providers have their own network of hospitals, which means you can only use the hospitals permitted by your provider. We don’t place any such restrictions on where you receive your medical treatment. This means you’ll always have access to the top-rated hospitals and medical clinics within your coverage zone.
When you’re admitted to a hospital for treatment, we’ll cover you for:
We have close relationships with over 40,000 hospitals around the world including the most popular hospitals amongst expats in many countries. These close relationships mean that we settle your medical bills directly with the hospital, so you won’t be left out-of-pocket.
Cancer can affect you anywhere, at any time. So no matter which health plan you select, we’re committed to providing the strongest benefits to give you the best chance of overcoming cancer.
When you need treatment for cancer, we’ll cover you for:
We’ll also cover you for US$6,000 per period of cover for cancer genome testing, which sequences the genes of your cancerous cells to help determine the best course of treatment for you.
Finally, cancer is a condition that patients must often learn to live with. So we give you benefits for wigs following chemotherapy, counselling with a psychologist, and consultations with a dietitian.
International health insurance isn’t just for serious health issues. What about when you just want to see a doctor or order a repeat prescription? All our plans include cover for outpatient treatment (i.e. medical treatment for which you don’t need to be admitted to hospital).
Both plans provide cover for the following common outpatient treatments:
What happens if you have a medical emergency and the treatment that you urgently need isn’t available locally? With our health plans, you’re covered for emergency evacuation you by road, sea or air if you suffer a life-threatening or limb-threatening condition that requires an immediate hospital treatment that is not possible locally. We’ll evacuate you to the nearest location within your coverage zone, where you can get the medical treatment that you need.
But that’s not all you’ll need when you have an emergency medical evacuation. All of our health plans include the following additional benefits:
You’ll have cover for basic dental treatment – as mandated by the DHA. This includes cover for:
Both our plans give you cover for routine maternity care. This includes cover for:
Pregnancy is an exciting time—but it’s important to make sure you have the cover you need when living abroad. Find out more about our pregnancy and maternity cover here.
For more information about our Silver and Gold plans, and to find out what you’re covered for on each plan—read more in our comparison table where you can compare the plans side-by-side and discover which one works best for you.
Compare Our Plans
No matter which health plan you choose with William Russell, you’ll always enjoy the following membership perks:
You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find complete information in the plan agreement, which we suggest you read together with this webpage. All the benefits on this webpage are per member per policy year, unless we state otherwise. We show the benefit limits in US dollars, but we can also denominate your dirhams.
