William Russell - International ​Health ​Insurance

William Russell has been providing international health insurance since 1992, offering flexible and transparent coverage for expats, remote workers, families, and globally mobile professionals. Their plans cover a wide range of healthcare needs—from hospital stays and outpatient care to mental health, maternity, and medical evacuation—across more than 160 countries.


Policies are modular, allowing members to choose the level of cover that suits their lifestyle and location. Backed by a global insurer in the Allianz group, William Russell combines financial strength with personal service, giving clients worldwide access to care—without complex networks or hidden exclusions.

Table of contents

1.Coverage, Benefits & Eligibility

Core Benefits included with all plans
William Russell’s international health insurance offers robust and flexible coverage across multiple countries. Key benefits include:

  • Hospital treatment: No restricted network—you can use top-rated hospitals worldwide, with direct billing in over 40,000 hospitals. Covers pre-admission tests, accommodation, doctor fees, ICU, diagnostics, physiotherapy, and more.
  • Doctor visits & outpatient care: Includes in-person consultations, diagnostics, emergency ward treatment, physiotherapy, and unlimited virtual doctor access (via TruDoc app) for Silver and Gold plans..
  • Cancer treatment: Comprehensive coverage including scans, chemotherapy, radiotherapy, immunotherapy, consultations, genome testing (up to US$6,000), wigs, counseling, dietitian sessions, restorative and reconstructive treatments..
  • Emergency medical evacuation: Road, sea, or air evacuation to nearest hospital in your coverage zone; includes 24/7 medical assistance, return airfare for policyholder, and travel/accommodation for a companion.
  • Mental health treatment (Gold plan): Inpatient and daypatient treatments, specialist consultations, and psychiatric medications.
  • Pregnancy & childbirth (Gold plan): Routine maternity and newborn care, emergency surgical childbirth, complications, congenital/hereditary conditions treatment.
  • Dental care: Basic dental treatments like exams, fillings, root canals, X-rays, scaling, and prophylaxis (coverage depends on plan).
  • Well‑being benefits (Silver and Gold plans): Vaccinations, preventive care, and well-child benefits with annual limits (e.g. up to US$500 for vaccinations, up to US$800 for well-child on Gold).
  • Complementary travel safety app: Real-time security alerts during travels.

Eligibility & Coverage Zones
William Russell offers fully portable plans—ideal for expats, families, students, digital nomads, and more. Coverage spans globally via six zones, including worldwide (with limited short‑term U.S. cover via optional US‑45) to regional zones like Southeast Asia

2.Plan Options

William Russell offers tiered plans—Bronze, Silver‑Lite, Silver, and Gold—each increasing in coverage scope and benefits.

  • Bronze: Foundational inpatient and outpatient, with evacuation. Fewer extras.
  • Silver‑Lite / Silver: Adds doctor visits, diagnostics, physiotherapy, and wellbeing (Silver only).
  • Gold: Most comprehensive—hospital, outpatient, cancer care, mental health, maternity, dental, wellbeing, evacuation, and security app.

Optional add-ons may include expanded wellness care, additional dental coverage, or enhanced evacuation benefits.

3.Premium & Quote Process

  • Get a quote online: You’ll input basic details (age, location), receive an estimate instantly, and a William Russell team member typically contacts you within a couple of days. Policies can be set up within 48 hours.
Ask for quote
 
  • Competitive pricing: Premium varies by plan type, coverage zone, add-ons, and applicant details. No fixed premiums listed publicly—requires quote.

4.Claims Process

  • Hospital claims: Direct billing is available with thousands of hospitals globally—minimizing out-of-pocket costs.
  • Outpatient and wellbeing claims: Pay provider, then submit reimbursement via online form or email (e.g. for well-being).
  • Support: Dedicated advisor support and 24/7 emergency medical helpline ensure fast and personalized assistance.

5.Why Choose William Russell?

  • Established international insurer: Trusted provider since 1992, present in 160+ countries, with offices in London, Brussels, and Hong Kong.
  • Underwritten by Allianz group insurer: AWP Health & Life SA—offering financial security and global backing.
  • High customer retention: Over 95% annual renewal rate and a 30‑day money‑back guarantee for new members.

Personal service: High ratings for named advisor model, transparent communications, and fair claims handling.

6.Important Documents