Compare Health Plans | William Russell

The information on this page refers to health insurance policies for individuals & families starting in 2025. If you live in Hong Kong, please check the comparison of our health plans in Hong Kong. If you live in the UAE, please check the comparison of our health plans in the UAE.

Which health plan is right for you?

If you’re reading this, you’ve probably decided that you need international health insurance for you and your family. Now starts the tricky part: picking the right health plan. We’ve put together a comparison table of our plans (Bronze, SilverLite, Silver, and Gold) so you can see the different levels of cover you have under each plan.

The information below is accurate for health plans starting between 01 January 2025 and 31 December 2025. All the benefits in this table are per member per policy year, unless we state otherwise. We’ve stated the benefit limits in US dollars, though other currencies are available. Some of the benefits below are optional. You won’t find complete information for the plans in this comparison table, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find these in the plan agreements, which we suggest you read alongside this table.

	Bronze	SilverLite	Silver	Gold
Annual benefit limit	US$1,500,000	US$1,500,000	US$2,500,000	US$5,000,000
Hospital costs
Hospital accommodation	Semi-private room (option to upgrade to a private room)	Semi-private room (option to upgrade to a private room)	Private room	Private room
Hospital treatment
Parent accommodation
Local ambulance		Up to US$1,600
Hospital cash benefit	Up to US$150 per night (maximum of 60 nights)	Up to US$200 per night (maximum of 60 nights)	Up to US$200 per night (maximum of 60 nights)	Up to US$350 per night (maximum of 60 nights)
Advanced diagnostic tests
Cancer treatment
Cancer treatment
Cancer genome test
Genetic testing for cancer³			Lifetime limit of US$2,000	Lifetime limit of US$4,000
Preventive cancer treatment³			Lifetime limit of US$25,000, with a 20% co-insurance	Lifetime limit of US$40,000
Cash benefit upon diagnosis of cancer¹				US$5,000²
Wigs	Lifetime limit of US$150	Lifetime limit of US$150	Lifetime limit of US$150	Lifetime limit of US$250
Counselling	Lifetime limit of US$500	Lifetime limit of US$500	Lifetime limit of US$500	Lifetime limit of US$750
Dietitian	Lifetime limit of US$100	Lifetime limit of US$100	Lifetime limit of US$100	Lifetime limit of US$250
Organ, bone marrow or tissue transplants
Transplants and related treatment
Donor costs (per transplant)	Up to US$25,000	Up to US$25,000	Up to US$25,000	Up to US$25,000
Kidney dialysis
Kidney dialysis
Reconstructive surgery
Reconstructive surgery	Cover for inpatient, daypatient & post-hospital treatment only
Congenital or hereditary conditions
Treatment for congenital and hereditary conditions	Up to US$50,000 for inpatient, daypatient & post-hospital treatment only	Up to US$60,000	Up to US$80,000	Up to US$100,000
Mental health treatment
Lifetime limit for mental health treatment	US$50,000		US$75,000	US$100,000
Inpatient & daypatient mental health treatment³	Up to 30 days		Cover up to the lifetime limit for mental health treatment	Cover up to the lifetime limit for mental health treatment
Outpatient mental health treatment³	Up to 10 consultations (inpatient, daypatient & post-hospital treatment only)		Up to 10 consultations	Up to 10 consultations
Outpatient mental health medication³	Up to US$500 for inpatient, daypatient & post-hospital treatment only, with a 20% co-insurance		Up to US$500, with a 20% co-insurance	Up to US$500, with a 20% co-insurance
HIV/AIDS treatment
HIV/AIDS treatment⁴	Up to US$5,000 for inpatient & daypatient only	Up to US$5,000	Up to US$75,000	Up to US$100,000
Medical appliances
Medical aids	Up to US$250 per medical condition		Up to US$500 per medical condition	Up to US$1,000 per medical condition
Prosthetic implants
Prosthetic devices	Up to US$500 per device	Up to US$1,000 per device	Up to US$1,000 per device	Up to US$1,500 per device
Outpatient treatment
Annual limit for outpatient treatment		US$5,000 (option to extend to US$7,500 or US$10,000)
Primary medical care	Post-hospital treatment only	US$1,500 (option to extend to US$2,500 or US$3,500)
Emergency ward treatment	Essential & immediate treatment following an accident	Up to the annual limit for outpatient treatment
Complementary treatments	Up to 10 sessions (post-hospital treatment only)		Up to 10 sessions	Up to 15 sessions
Hormone replacement therapy			Up to 12 months from date of diagnosis	Up to 18 months from date of diagnosis
Traditional Chinese medicine			Up to US$50 per session (maximum of 15 sessions)	Up to US$50 per session (maximum of 20 sessions)
Physiotherapy	Up to US$1,000 (post-hospital treatment only)	Up to US$250, subject to the annual limit for outpatient treatment
Chronic conditions
Acute flare-ups	Cover for inpatient, daypatient & post-hospital treatment only	Cover for inpatient & daypatient treatment, with outpatient treatment subject to the benefit limit for primary medical care
Monitoring & maintenance		Up to the benefit limit for primary medical care
Well-being benefits
Preventive health & well-being¹			Up to US$400	Up to US$1,200
Vaccinations for adults			Up to US$300	Up to US$500
Well-child benefit¹			Up to US$400	Up to US$800
Rehabilitation treatment
Inpatient treatment	Up to US$2,000	Up to US$2,000	Up to US$4,000	Up to US$6,000
Home nursing costs
Medical services of a qualified nurse in your own home	Up to US$5,000 per medical condition	Up to US$8,000 per medical condition	Up to US$12,000 per medical condition	Up to US$15,000 per medical condition
Lifetime care
Lifetime limit for all lifetime care	US$25,000	US$50,000	US$50,000	US$100,000
Hospice & palliative care	Up to the lifetime limit for lifetime care
Artificial life maintenance	Up to the lifetime limit for lifetime care
Persistent vegetative state & neurological damage	Up to the lifetime limit for lifetime care
Dental costs
Emergency restorative treatment received as an inpatient		Up to US$5,000
Emergency restorative treatment received as an outpatient			Up to US$500	Up to US$1,000
Routine dental care (Dental Basic)¹		Option for cover up to US$500, with a 20% co-insurance	Option for cover up to US$1,000, with a 20% co-insurance	Up to US$1,500
Complex dental care (Dental Plus)¹			Option for cover up to US$1,500 with a 20% co-insurance	Option for cover up to US$2,000 with a 20% co-insurance
Maternity costs
Routine maternity care & routine care of newborns³				Up to US$18,500 per pregnancy
Complications of childbirth³
Complications of pregnancy affecting the mother³	Up to US$4,800	Up to US$10,000	Up to US$15,000
Treatment for congenital conditions or hereditary conditions for newborn babies			Up to US$10,000 for inpatient or daypatient treatment received within the first 90 days after birth	Up to US$100,000 for inpatient or daypatient treatment received within the first 90 days after birth
Expat benefits
24-hour medical assistance helpline
Emergency medical evacuation (Medevac Basic)
Return airfare
Travel expenses of a companion
Accommodation expenses of a companion	Up to US$75 per night	Up to US$100 per night	Up to US$150 per night	Up to US$250 per night
Compassionate home visit³	Lifetime limit of one claim		Lifetime limit of one claim	Lifetime limit of one claim
Repatriation of mortal remains		Up to US$5,000
Burial or cremation	Up to US$1,600
Medevac Plus	Optional
Accidental death benefit
Accidental death benefit paid to your beneficiary				US$15,000

1 – 6-month waiting period. 2 – Lifetime limit of one claim. 3 – 12-month waiting period. 4 – 24-month waiting period. 5 – 10-month waiting period.

Full cover

No cover

Notes on our health plans

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.

Wherever you go, go with total peace of mind

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.

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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.

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Read our blog

It’s filled with handy information and tips for expats.

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Further reading

Which health plan is right for you?

Notes on our health plans

Wherever you go, go with total peace of mind

Read our blog

Which Countries Require Health Insurance For Entry?

International Health Insurance Comparison: How To Compare Plans

How To Find The Best Health Insurance While Living Abroad

Trial your policy for 30 days