Find out more about William Russell
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The Gold plan is our top plan, offering the highest levels of cover and the most comprehensive benefits. Covering you both in and out of hospital, this plan offers complete peace of mind, wherever you go.
William Cooper
Marketing Director
Our Gold plan offers the most comprehensive cover and a wealth of health benefits. It’s a great option for people looking to start a family or anyone looking for the highest level of cover.
As standard, the Gold plan includes:
Our Gold plan covers you for the below essential benefits:
Inpatient medical treatment at a top-rated hospital or medical clinic of your choosing
Cover for cancer treatment, including cover for cancer genome testing
Cover for inpatient and daypatient mental health treatment
Cover for post-hospital doctor visits, specialist consultations, and diagnostic tests
Cover for routine maternity care and routine care of newborns
Evacuation for treatment of emergency life or limb-threatening conditions when not available locally
Find out more about the essential benefits that come as standard on our Gold plan:
When people think of health insurance, they tend to think about hospital 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.
If you’re admitted to hospital you are covered for:
Cancer can affect you anywhere, at any time. We’re committed to providing the strongest benefits to give you the best chance of overcoming cancer. We’ll also cover you 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.
Cancer cover includes:
There is no telling how the experience of moving to or living in another country can affect someone. Expats are at a higher risk of experiencing mental health issues than people living in their home country.
That’s why the Gold plan covers your mental health as well as your physical health.
Bronze plan mental health cover includes:
International health insurance isn’t just for serious health issues. What about when you just want to pop to the local doctor’s surgery or the pharmacy? The Gold plan covers you for everyday medical costs, including checks such as blood pressure, diabetes, hearing tests and routine vaccinations. Hormone replacement therapy and traditional Chinese medicine are also covered on the Gold plan.
You’re covered for:
Our Gold plan offers routine maternity care as standard, making sure both mother and baby are looked after before, during and after childbirth. We hope that your pregnancy runs smoothly and that you and your baby are healthy all the way through. If there is a medical condition that arises because of your pregnancy – either during or afterwards – we’ll normally cover inpatient or daypatient admissions in full.
If you have a medical emergency and the treatment that you urgently need isn’t available locally then we will arrange emergency medical evacuation.
We’ll evacuate 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.
The detailed table below shows the level of coverage you have on our Gold plan:
= Full cover = No cover
Full information on Gold plan coverage, full T&Cs, limitations and exclusions that would apply to your policy can be found in your plan agreement should you decide to purchase a plan. Some benefits are optional, and can be added to your plan using the online quote tool. The information is accurate for health plans starting between 01 January 2024 and 31 December 2024.
Take a look at how the level of cover compares on our Gold plan against our other plans:
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The quickest way to reach us is by email.
Make your Gold plan work for you by customising it with our range of optional benefits, including:
Looking for more dental cover? You can extend your dental cover with Dental Plus (subject to a 10 month waiting period).
This provides you with extra cover for dentures, denture repair, dental bridges, crowns, inlays, onlays and dental implants.
If you like to proactively look after your physical, mental and emotional health and well-being, you have the option to add well-being cover to your plan.
With well-being benefits you’ll get cover for preventative health checks, cancer screening and vaccinations, as well as developmental check-ups for children covered by your plan.
Emergency medical evacuation is a vital part of any expat’s medical coverage – that’s why it comes as standard on all our plans.
Adding Medevac Plus gives you greater peace of mind for your life abroad. Additional benefits include a lower threshold for evacuation for cancer tests and treatment that cannot be provided locally, advanced repatriation to your country of residence if within your coverage zone and additional costs for a companion to ensure you have a loved one with you for support.
Cashless access to outpatient treatment is an arrangement by which we settle your medical bills directly with your hospital or treating doctor, ensuring that you won’t be left out-of-pocket for your treatment, and you won’t have to submit a claim to us.
You can opt for cashless access with everyday medical costs such as doctor visits, specialist consultations and other outpatient treatments with a William Russell membership card.
Adding the optional personal accident plan cover is a great way to increase the cover provided by your health plan without breaking the bank.
With the personal accident plan, we’ll pay you a cash lump-sum benefit if an accident results in your death, loss of sight, loss of limb or your permanent and total disablement within 2 years of the accident.
On a budget? At William Russell, we help you build a plan tailored specifically to you, to help you control your premium. There’s a range of tools you can use to tailor your Gold plan to your needs.
They will help you put the finishing touches to your health plan, and can help you reduce the amount you spend on international health insurance each month or year.
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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