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Purchasing health insurance can be confusing. There are just so many providers and policies out there, each with different benefits, coverage options, insurance jargon, and service promises. Read on to find out what we cover to match your needs.
William Cooper
Marketing Director
International health insurance is quite different from holiday or business travel insurance. It’s designed for expats or remote workers living permanently abroad, or for people who spend a great deal of the year travelling.
Plus, healthcare systems vary from one country to another. Just because one health insurance plan is appropriate for living in one country, it doesn’t mean that it’s the right fit for another.
We’ve designed our health insurance around modern expat living. Whether you’re a single professional in Sub-Saharan Africa or you’re a large family in South East Asia, together we can build the right cover for you.
We have plenty of options to personalise your plans, so you can find the cover that suits your circumstances.
Once you’ve decided you need health insurance, your next challenge is picking the appropriate health plan. You want to get this one right, so you’ll need to think about your circumstances and requirements.
We’ve organised our health insurance into four standard plans. These plans describe what you’ll be covered for and what you won’t be covered for.
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Once you’ve picked your standard plan, you can personalise your cover with optional benefits and excesses, but for now let’s focus on the benefits of the plans.
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As the names of the health plans suggest, some are more comprehensive (and thus extensive) than others. But all the plans include the same essential benefits:
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 have close relationships with over 40,000 hospitals around the world and settle your medical bills directly with the hospital, so you won’t be left out-of-pocket.
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.
When you’re admitted to a hospital for treatment, we’ll cover you for:
Cancer can affect you anywhere, at any time. So no matter which health plan you select, we’re committed to providing the strongest benefits to give you the best chance of overcoming cancer.
When you need treatment for cancer, we’ll cover you for:
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.
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? All our plans include cover for outpatient treatment (i.e. medical treatment for which you don’t need to be admitted to hospital).
All the plans provide cover for the following common outpatient treatments2:
What happens if you have a medical emergency and the treatment that you urgently need isn’t available locally?
With all of our health plans, 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. We’ll evacuate you to the nearest location within your coverage zone where you can get the medical treatment that you need.
But that’s not all you’ll need when you have an emergency medical evacuation. All of our health plans include the following additional benefits:
We’ve seen the essential benefits common to all the health plans. Now, let’s take a look at what sets each of them apart.
We designed the value plans (Bronze and SilverLite) for people who require cost-effective cover against the serious health issues. Private healthcare and health insurance are both expensive, so these value plans aim to keep costs down by focusing on what’s most important.
Typically the value plans cover you for hospital costs, with semi-private accommodation included as standard. Though we always cover outpatient costs for cancer treatment, with the value plans there is only limited cover for other outpatient treatment. With the Bronze plan, we’ll only cover you for outpatient treatment that you receive following your discharge from hospital, while the SilverLite plan gives you a small amount of cover for doctor visits and everyday medical costs.
For this reason, the value plans are most popular with younger, healthier expats who tend to be less concerned about healthcare or people who live in countries with a well-developed public healthcare system.
The comprehensive plans (Silver and Gold) give you a wider range of cover for health conditions and treatments, and the benefits generally come with higher annual limits.
You’ll have all the benefits included with the value plans, plus full cover for treatment you receive as an outpatient. You’ll also have cover for private accommodation during hospital stays, mental health treatment, complementary therapies, and cover for well-being and preventive care. The Gold plan also includes cover for basic dental costs, pregnancy, and routine childbirth.
The comprehensive plans are most popular with middle-aged and older expats who tend to be more concerned about healthcare.
No matter which health plan you choose with William Russell, you’ll always enjoy the following membership perks:
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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