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With cashless access on your health insurance policy, we’ll settle your bills for outpatient treatment directly with the clinic when you seek treatment at a clinic in our network.
Qian Huang
International Claims Manager
The information on this page refers to outpatient treatment (e.g. doctor visits, specialist consultations). Please visit our page on claims for inpatient treatment for information on how our health insurance works if you’re admitted to hospital.
Cashless access is a feature of your health insurance policy that lets you receive outpatient treatment (e.g. a doctor visit, a specialist consultation) without paying for it from your own pocket. Instead, the clinic where you receive the treatment sends us the bill.
The outpatient treatment you receive must be eligible, meaning the treatment must be covered by your plan and the terms and conditions of your health insurance policy.
When you have cashless access on your policy, we’ll send you a digital membership card that you can present at clinics.
If you have cashless access on your health insurance policy, follow these steps when you need outpatient treatment:
No. Cashless access is only a feature on your health insurance policy if you meet the following criteria:
You can opt out of cashless access. Please just let us know when you apply for your health insurance policy. Equally, you don’t have to use the cashless service when you receive outpatient treatment.
If you don’t meet the above criteria, then you don’t have cashless access. Rather, you’ll need to pay the bill for your outpatient treatment and claim back your expenses from us later.
Use our tool below to see which clinics we have in our network in each country:
If you have cashless access on your health insurance policy, you can still receive outpatient treatment at clinics that aren’t in our network. At these clinics, you’ll need to pay the bill for your outpatient treatment and claim back your expenses from us later.
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9:00am – 5:00pm
6:00am – 6:00pm
8:00am – 5:30pm
The quickest way to reach us is by email.
Cashless access is an optional feature of your health insurance policy if you meet the following criteria:
If you meet these criteria, you can add cashless access to your health insurance policy when you apply.
We want to provide you with an insurance policy you can rely on, so it is important that you fully understand the scope of the cover we provide. You’ll find answers to the most common questions about cashless access for outpatient treatment here, but feel free to get in touch and speak to our award-winning team if you have any other questions. We’d be glad to help.
If your health insurance policy has an excess, or if your plan’s benefit for the treatment you’re receiving has a co-insurance, you must pay this amount to the clinic.
You can only use your membership card to access eligible outpatient treatment covered by your plan.
If you’re not sure whether your treatment is eligible, please confirm your coverage with us.
If you use your membership card for treatment that’s not covered by your plan, you’re liable to pay back to us the cost of your treatment.
The following treatments need our pre-authorisation. This means you must contact us in advance of receiving the treatment.
You cannot use cashless access for the well-being benefits or for treatments or care that are not covered by your health insurance policy.
No, you cannot claim for benefits in the wellbeing section of your table of benefits with cashless access. You’ll need to pay for the treatment and claim reimbursement from us.
Please let us know immediately and we’ll replace your membership card.
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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