Find out more about William Russell
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We don’t offer a no claim discount, which means there’s no discount or refund if you don’t make a claim. Why not? Well, we used to offer a no claim discount, but we found it discouraged members from seeking medical treatment. That’s not healthy at all.
On the flip side, we don’t increase your premium just because you make a claim. Even if we pay your medical bills for a condition that’s extremely expensive to treat (e.g., heart disease, cancer), it won’t affect your premium when your policy is due for renewal.
Things are slightly different if you live in Hong Kong, where we offer a low claims discount.
Here’s a quick guide on what to do if you need medical treatment, whether it’s a routine check-up with a doctor or you need emergency medical treatment.
How we pay your bills depends on the medical treatment you’re receiving. This guide gives you information on how we pay hospitals and reimburse you for any bills you’ve paid yourself.
Follow these steps to check whether you’re covered for a certain type of medical treatment. If you want to double check with us, we’re available by phone or email.
You can choose to have your medical treatment at any hospital or clinic within your coverage zone. We work a little differently from other insurance providers, who might tell you where you can and cannot have medical treatment. With William Russell, you can go to any hospital in any country that’s within the coverage zone stated on your certificate of insurance.
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