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T&Cs for the 16% Lifetime Discount in the UAE

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If you purchase a new health insurance policy in the UAE, you’ll receive a 16% lifetime discount for as long as you renew that policy. The 16% lifetime discount is subject to the terms & conditions below.

  1. We’ll apply a 16% lifetime discount [the “Discount”] to the premium you pay for a new health insurance policy. We’ll apply the Discount to the premium for as long as you renew your policy and for for as long as you remain eligible for the Discount.
  2. The policyholder must be resident in Dubai or one of the Northern Emirates.
  3. Only individuals and families purchasing a new policy with a start date on or before 31 May 2026 are eligible for the Discount.
  4. We don’t apply the Discount to optional benefits such as Dental Basic and Dental Plus.
  5. Child-only policies are not eligible for the Discount.
  6. The Discount will cease if the policyholder relocates permanently outside of the UAE or to an emirate that is not eligible for the Discount.
  7. If you’re an existing policyholder and you wish to benefit from the Discount, you must cancel your policy and re-apply for a new policy with a start date no sooner than 90 days after your original policy was cancelled. Your application for a new policy will be subject to full medical underwriting, and we may apply exclusions and/or loadings in respect of pre-existing medical conditions and related conditions.
  8. We reserve the right not to apply the Discount when we offer you a new policy.
  9. The Discount will apply to new members who join your policy once it has started.
  10. If you’re purchasing your health insurance policy with the help of a broker, the Discount only applies if that broker has standard commission terms with William Russell.
  11. The Discount will apply to upgrades and changes you make to your plan once your policy has started, provided the policyholder’s country of residence remains an eligible country.
  12. The Discount isn’t available in conjunction with other offers, discounts, or promotions.
  13. We reserve the right to alter the T&Cs of the Discount, or to withdraw the Discount entirely, at any time.
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