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In health insurance, well-being refers to preventive health measures for adults and children. These are usually routine check-ups or tests, aimed at protecting your overall state of health.
Inez Cooper
Managing Director & Founder
The information on this page refers to health insurance policies starting in 2025. If you live in the UAE, please check out our information on well-being in the UAE.
Well-being refers to a person’s overall state of health, including factors such as physical health, mental health, and emotional health. Well-being is usually associated with a sense of vitality and happiness.
How does this translate into the world of international health insurance? Well, health insurance providers typically provide benefits to help improve your well-being.
These benefits typically include routine health checks, smoking cessation aids, vaccinations, and developmental checks for children.
While these benefits don’t directly ‘boost’ your well-being, they do help you look after your physical, mental, and emotional health. Catching an illness like cancer early, for example, can improve your chances of responding well to treatment. Assistance with quitting smoking can help improve your physical and emotional state of health in the long term.
We cover the following well-being benefits on our Silver and Gold plans:
We cover the following preventive health checks:
There’s a 6-month waiting period for this benefit.
We cover the following screening checks for cancer:
We cover the following vaccinations:
We cover immunisations and booster injections that form part of the government-recommended programme for the country where the child lives.
There’s a 6-month waiting period for this benefit. If you add your child to your policy at least 6 months after your policy first started, we waive this waiting period.
We cover allergy patch testing and routine developmental check-ups (including vision and hearing).
Well-being benefits are only available on our Silver and Gold plans:
Limits are per policy year.
It’s important that you know what isn’t covered in your plan. If you have any questions about coverage, please call one of our policy advisors for help.
We’ve made it as easy as possible for you to claim for well-being treatment, and you can call one of our policy advisors at any time for help.
We ask you to pay the bill for your well-being treatment yourself, then claim back your expenses from us later. This practice is sometimes called ‘pay and claim’, or ‘reimbursement claiming’.
We have an online form where you can submit your claim and upload any receipts and invoices. To claim, simply tell us by following these steps:
Step 1
Download our claims form by clicking on the link below.
Step 2
Complete the form and send it back to us at claims@william-russell.com.
Step 3
Once we have assessed your claim, we’ll be in touch to confirm the next steps.
From your first contact with our team, you’ll deal with a named advisor, each one an expert in international health insurance. At William Russell, you’re valued as a member, not a potential claimant or a policy number. You’ll also have access to top clinics and English speaking doctors locally.
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9:00am – 5:00pm
6:00am – 6:00pm
8:00am – 5:30pm
The quickest way to reach us is by email.
Here are some of the most commonly asked questions about well-being cover on our health plans. If you can’t find what you’re looking for here, or would like to speak to our award-winning customer service team, please call us on +44 1276 486 477.
The Silver and Gold plans have benefits for well-being treatment. There’s no cover for well-being treatment on the Bronze and SilverLite plans.
Yes. Each well-being benefit has an annual limit.
No, we cannot waive your waiting period for the well-being benefits.
If you add your child to your policy at least 6 months after your policy first started, however, we will waive the waiting period for the well-being benefit for children.
Global health insurance (also known as international private medical insurance) gives you access to private healthcare around the world.
While most domestic health plans only cover you in one country, international health plans cover you in multiple (or even all) countries. They’re great for people who live and work abroad, or who spend lots of time travelling. Some international medical plans also include emergency medical evacuation cover so you can access urgent treatment even if it’s not available in your location.
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 policy in pounds sterling or Euros. 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 a health insurance policy. You can find complete information in the plan agreement, which we suggest you read together with this webpage. We work hard to ensure the information we provide on this webpage is accurate and up-to-date, but inaccuracies are possible. We rectify errors as soon as we become aware of them. The T&Cs that apply to your policy are those found in your plan agreement.
At William Russell, we have over 30 years’ experience of helping expatriates move abroad and settle into their new lives overseas by providing world-class international health insurance.
Joe Holden Global Relationship Manager
If you’re ready to see prices for health insurance, click on ‘Get a Quote’ below to head on over to our online quote tool.
We’ll ask you a few details (your age, your location), and then we’ll show you prices—it only takes a few minutes!
A couple of days after you’ve received you quote, Joe will email or call you to find out how we can help you further. Joe won’t bug you, and you can opt out at any time.
It’s filled with handy information and tips for expats.
We were one of the first insurance providers to cover people living abroad, and we’ve earned a reputation for our wonderful customer service.
The insurer behind our policies is part of the Allianz group
We’re proud of our award-winning service and our members rate it highly
You will get your own dedicated adviser when you join
If you’re not happy with your health insurance policy or the service we provide, and you haven’t yet made a claim, then we’ll refund the premium you’ve paid—no questions asked.
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