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Accidents can happen anywhere, any time. Personal accident insurance protects you and your family in the event of accidental injury or death. Find out how a personal accident plan can help.
Megan Lewis
Senior Business Development Manager (Broker) & Technical Specialist
International personal accident insurance is a type of insurance policy that pays a lump-sum in compensation should you suffer bodily injury or death as a result of an accident happening.
It is designed for expats who live abroad so that they are covered wherever they are in the world.
Personal accident insurance can provide a safety net for you and your loved ones in the aftermath of a serious accident.
For example, if you should find yourself unable to work and provide for your family as a result of an accident, you and your loved ones can be secure in the knowledge your family’s standard of living can be maintained and that debts such as a mortgage can be paid.
Accidents come in all shapes and sizes, and for families living abroad, the consequences can be disastrous. Living in a country where you are unfamiliar with the culture, language, and infrastructure can increase the risk of accidents.
For example, if you have an accident at work, a road traffic accident, a slip, trip or fall, or an accident resulting in permanent disability or the loss of body parts, you will be covered if you have personal accident insurance. Similarly, you will also be covered if you’re injured or killed in a terror attack, or any other form of criminal activity in which you’re a victim.
At William Russell, your personal accident benefit will become payable when an accident occurring during your policy year results in one or more of the following occurrences within two years of the date of the accident:
There are certain situations that won’t be covered by personal accident insurance:
For a full list of exclusions, please read the personal accident plan agreement (Personal Plans > Plan Agreements > Plan Agreement (Personal Accident).
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The quickest way to reach us is by email.
Personal accident cover is available with all of our international health insurance plans (Bronze, SilverLite, Silver or Gold) as an optional add-on.
Our personal accident insurance is a great way to increase the cover provided by your international health insurance, allowing you to upgrade to a plan that suits you and your budget.
You can choose from five levels of cover with a maximum benefit to best suit you and your personal circumstances:
We’ve made it as easy as possible for you to claim for a personal accident, and you can get in touch and speak to our award-winning team for help. To claim, simply tell us by following these steps:
Step 1
Download our accident claims form by clicking on the link below.
Step 2
Complete the form and send it back to us at claims@william-russell.com within 30 days of the date of the loss or incident.
Step 3
Once we have assessed your claim, we’ll be in touch to confirm the next steps.
If you’ve been involved in an accident while living in a foreign country, we have a team of people here to support you 24 hours a day with our emergency medical helpline.
We have a worldwide network of hospitals and doctors to call upon in which you are free to choose which hospital you visit for treatment. Our trained team will be on hand to guide you through every step of the process, ensuring that you receive the best service possible in your time of need.
Still got questions about our personal accident benefit? Answers to the most common questions on personal accident cover are here, but feel free to get in touch and speak to our team. We’d be glad to help.
Yes, our personal accident plans can be used to boost cover on any William Russell international health insurance policy.
Choose from the five different levels of personal accident cover to suit your budget and personal requirements, then continue to pay according to your usual schedule.
When you take out international health insurance through William Russell, you have the option to add cover for personal accidents while abroad. The additional cost of personal accident cover on top of your existing health insurance policy will be proportional to the level of cover you take out, the excess you choose and your personal circumstances.
We offer five levels of upgradable cover, with prices starting from US$9.45/£6.13/€9.45 per month.
The following quotes are based on a healthy adult who has an office job and does not participate in hazardous activities:
Yes, William Russell personal accident insurance can be added onto any of our international health insurance policies.
This means you can boost cover for everyone covered under your health insurance plan, your partner and your children.
No medical assessment is required. The application process for accident cover is very simple. No medical underwriting is required to get cover, and you can also insure your partner or spouse.
You can, at any time, nominate a beneficiary to receive the personal accident benefit that is payable in the event of your death as a result of an accident. Please email us at contact@william-russell.com and we’ll send you the necessary information and forms. If you haven’t appointed a beneficiary at the time of your death, the beneficiary of the personal accident benefit will be as follows:
• your spouse; failing him/her
• your legally declared child(ren) in equal shares; failing him/her/ them
• your estate
In the event of a claim, please note that a partner may not have the same rights attributed to a spouse. If you wish us to pay the personal accident benefit to your partner in the event of your death in an accident, you must formally name your partner as beneficiary.
You must be aged 18 or over to be eligible for the plan. The maximum age limit is 70 years. Your cover will automatically terminate at the end of the policy year during which you attain the age of 70 years.
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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