International Medical Insurance With a Personal Touch
A William Russell international health insurance plan gives you access to private medical care in whatever nation you’re in. William Russell has provided expat medical insurance for nearly thirty years, and members in 160 countries trust the company to cover their medical care. The company offers personalized service, with teams available 24/7 whenever you need support. In order to keep premiums low, they offer limited coverage in the US as an add-on only.
William Russell Health Insurance Highlights
Whether you are an individual, a family, or an individual planning a family, you can find the right plan with William Russell medical insurance. The company offers four plan tiers, each one built around your specific needs.
Overall Maximum Coverage
Maximum coverage ranges from $1.5M to $5M per year, depending on your plan tier.
Inpatient and Outpatient Coverage
Full cover for inpatient hospital treatment. Most tiers have no limit on outpatient treatment.
Cancer Coverage
All plan tiers provide full cover for cancer treatment. Including full cover for genome testing.
Emergency Evacuation
All plans offer Medevac Basic, with the option to add on Medevac Plus coverage.
Maternity Coverage
The Gold tier offers robust maternity coverage, while other tiers offer coverage for pregnancy complications.
William Russell Health Insurance Benefits
No matter what tier you choose, William Russell medical insurance offers access to top-rated hospitals and doctors around the world. They are also known for their personal service. As an independently owned insurer, their subscribers (rather than shareholders) come first. At William Russell, you are a person, not a member number.
How Much Does William Russell Health Insurance Cost?
William Russell determines the rates for your plan based on your age, your country of residence, the excess (deductible) you choose, and your area of coverage.
How Excesses (Deductibles) Work
If you choose a per claim excess, then you would pay that cost per every claim, but not every treatment. For example, if you break a rib and have a $50 per claim excess, you will only pay that $50 on the first visit. This will reduce your premium cost but can increase your out-of-pocket costs.
If you choose a per annum excess (per year deductible), then you will need to pay up to the first $5,000 of the overall treatment you receive per year. After that first $5,0000, William Russell will cover all of the costs you incur. This will reduce your premium costs, but you will find yourself paying out of pocket until you meet the deductible.
William Russell Coverage Zones
William Russell also takes your zone of coverage into account when determining your premium. Zone 1 gives full cover anywhere in the world, including restricted cover in the USA. Zone 2 gives full coverage in most countries but offers limited coverage in several nations where medical care is more expensive and has no cover in the USA. Zone 3, only available in Indonesia, gives full coverage in most countries but requires a co-pay in several countries and offers no cover in the USA.
USA Coverage
USA coverage is only available to members who elect Zone 1 as their area of coverage. USA coverage through William Russell is limited and only covers you for temporary trips that add up to a total of 45 days. There is no limit to the number of trips you can make in a single policy period.
Within the 45-day limit, William Russell will pay up to $100,000 for elective medical treatment and up to $250,000 for accident and emergency treatment.
William Russell Global Health Insurance Eligibility
Applicants must be under the age of 76; however, once you are a member you can continue to renew even if you are over 76. You must be living outside of your country of nationality (except for people who live in Botswana, Kenya, Nigeria, Mauritius, Estonia and Malawi, who may get William Russell insurance even if they hold a passport for that country).
