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Who our health insurance covers

Who needs international health insurance? We specialise in expat insurance for everyone – from young professionals jetting off to Singapore for a two-year work assignment, to families who are relocating permanently to Africa or South America. Read on to match the right cover to your needs.

Who can take out a health insurance policy?

Where you’re going and who you’re taking with you make all the difference when you’re purchasing a global health plan. The best plan for a young person leading a healthy lifestyle won’t necessarily suit couples planning to start a family – so it’s worth bearing in mind for whom we design each plan.

To help you out, we’ve put together a quick guide to the different types of people who trust us with their health and well-being and the typical health plans they choose.

Who we cover

Cover for individuals
Cost of living

Individuals

Expat professionals & frequent flyers

While most of our members are expats, you don’t have to live overseas permanently to purchase one of our plans.

If you’re lucky enough to spend at least six months of the year living, travelling or working outside your country of nationality, you can usually apply for health insurance with us. We can also provide cover for local nationals in Botswana, Kenya, Malawi, Mauritius, Nigeria and Estonia.

Cover for families
How does international life insurance work

Expat Families

Families & couples planning a family

Raising children abroad can be a rewarding, and memorable experience. So, whether you’re planning your first child or you’re planning to grow your family, our Gold plan may be right for you with its extensive maternity benefits.

While the Gold plan is the most expensive plan we offer, not everyone in your family needs to have the same plan: only the mother needs the Gold plan to be eligible for the maternity benefits. The partner and any children can have a lower-cost health plan.

Cover for digital nomads
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Digital nomads

Working remotely abroad

The digital nomad lifestyle has become widely accepted across various industries with over 50 countries now offering digital nomad visas for individual expats who want to work while they travel.

Our health insurance is ideal for digital nomads because it provides health cover globally. This makes it better suited than traditional health insurance policies which usually tie you to one specific country.

Cover for students
The Best Cities To Be A Student

Students

Overseas students

If you’re moving country for your studies, work experience, or a graduate placement, worrying about what would happen if you needed hospital treatment is probably not the first thing at the forefront of your mind.

Our plans are quick and simple to set up and mean you can focus on the things that really matter to you. Private healthcare can be costly, so our Bronze and SilverLite plans are well suited to students living and studying abroad on a tight budget whilst still giving loved ones peace of mind that you’ll get the care you need if something happens.

Expat Voting Rights

Over 55s

Seniors

Our policies are suitable for expats aged 55 and over. Perhaps you’re looking for generous cover for hospital treatment or need regular trips to the doctor or pharmacy. Or perhaps you’re concerned about falling ill where the treatment you might need isn’t readily available?

Our health plans have benefits that are useful to you and we accept new members up to and including the age of 75. Most importantly, once you’re covered with us, you can renew your plan for as long as you need it—even if your health deteriorates. We won’t stop you from renewing your plan once you reach a certain age.

More about Group health insurance
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Businesses

International employee benefits

“People power” means a lot to companies working across borders. Our international employee benefits help protect your most important asset – your staff. When you give to your employees, they often give back, so working with a benefits partner that provides great cover options and a personal touch can let your expat employees know you value them and help them stay healthy and well-cared for while they’re overseas.

We have a range of plans and options for groups: your business can tailor the cover you need to your workforce requirements.

Why trust us?

William Russell was one of the first insurance providers to cover people living abroad, and we’ve earned a reputation for outstanding customer experience.

Why it matters
William Russell brand illustration showing a family in the beach - wonderful international insurance customer service

Financial stability

When you purchase a policy from William Russell, you can be sure there’ll always be money to pay your claims. The insurer behind our health insurance is a company in the Allianz group, one of the largest financial services companies in the world.

Find out what our members think
William Russell brand illustration showing a man on a phone with a consultant - Your own dedicated advisor when you join

Outstanding customer service

We have independently verified reviews from over 1,000 of our members, and we win prestigious awards for our outstanding customer service. When you purchase a policy, you’ll be assigned your own dedicated policy manager as your main point of contact at William Russell.

Where members receive treatment
Health care worldwide doctors and nurses

Get treatment on your terms

Unlike other providers, we don’t tell you where you have to go for medical treatment. You can choose any doctor at any hospital in your coverage zone. And if you don’t know where to go, we’ll help you find a suitable hospital for your treatment.

We’re not just an insurance provider, we’re a healthcare partner

Founded by Inez Cooper in 1992, William Russell has grown over the last 30 years from a family-run business to a leading provider of health, life and income protection insurance. We now have over 80 people in our award-winning team, powering the best experience for our members in more than 150 countries around the world.

What sets us apart is our personal touch. We believe in named account managers, not impersonal call centres, and straight, honest communication rather than pages of small print. We are a boutique insurance provider, fully independent, and free from the demands of shareholders or investors. Our only obligation is to you.

That’s the William Russell difference.

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.

Profile picture of Joe Holden

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.

Get a Quote

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

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We were one of the first insurance providers to cover people living abroad, and we’ve earned a reputation for our wonderful customer service.

Allianz

The insurer behind our policies is part of the Allianz group

Why it matters
Feefo Trusted Logo

We’re proud of our award-winning service and our members rate it highly

See more reviews
William Russell Policy Team

You will get your own dedicated adviser when you join

Meet the team
Money back guarantee 30 days

Trial your policy for 30 days

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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