William Russell
William Russell is a specialist provider of international health insurance, focusing on people living and working abroad. With a personal approach to healthcare, William Russell positions itself as a healthcare partner for expatriates and global citizens, offering comprehensive coverage tailored to the unique needs of international lifestyles.
Coverage Tiers & Benefits
Core Components
| Feature | Bronze | SilverLite | Silver | Gold |
|---|---|---|---|---|
| Maximum Annual Medical Coverage | US$1,500,000 | US$1,500,000 | US$2,500,000 | US$5,000,000 |
| Hospital Accommodation | Semi-private room (option for private room) | Semi-private room (option for private room) | Private room | Private room |
| Hospital Treatment | Full cover | Full cover | Full cover | Full cover |
| Advanced Diagnostic Tests | Full cover | Full cover | Full cover | Full cover |
| Cancer Treatment | Full cover | Full cover | Full cover | Full cover |
| Cancer Genome Testing | Full cover | Full cover | Full cover | Full cover |
| Emergency Room Treatment | Accident cover only | Up to annual limit | Full cover | Full cover |
| Maternity – Routine Care | No cover | No cover | No cover | US$18,500 (12-month waiting period) |
| Maternity – Complications of Pregnancy | US$4,800 | US$10,000 | US$15,000 | Full cover |
| Maternity – Complications of Childbirth | No cover | No cover | No cover | Full cover |
| Emergency Local Ambulance | Full cover | Full cover | Full cover | Full cover |
Optional Components
| Feature | Bronze | SilverLite | Silver | Gold |
|---|---|---|---|---|
| Outpatient Treatment Annual Limit | Post-hospital treatment only | US$5,000 (option to extend to US$10,000) | No limit | No limit |
| Primary Medical Care | Post-hospital treatment only | US$1,500 (option to extend to US$3,500) | Full cover | Full cover |
| Physiotherapy | US$1,000 (post-hospital treatment) | US$250 | Full cover | Full cover |
| Medical Evacuation | Available | Available | Available | Available |
| Preventive Health (6-month waiting period) | No cover | No cover | US$400 | US$1,200 |
| Vaccinations for Adults | No cover | No cover | US$300 | US$500 |
| Well-child Benefit (6-month waiting period) | No cover | No cover | US$400 | US$800 |
| Telehealth Consultations | Available | Available | Available | Available |
| Extreme Sports | No cover | No cover | No cover | No cover |
| Dental Basic (6-month waiting period) | No cover | US$500 (20% co-insurance) | US$1,000 (20% co-insurance) | US$1,500 (included) |
| Dental Plus (10-month waiting period) | No cover | Not available | US$2,000 (20% co-insurance, requires Dental Basic) | US$2,000 (20% co-insurance) |
| Vision Care | No cover | No cover | No cover | No cover |
| Mental Health (12-month waiting period) – Lifetime Limit | US$50,000 | No cover | US$75,000 | US$100,000 |
| Mental Health – Inpatient/Daypatient | 30 days | No cover | Cover up to lifetime limit | Cover up to lifetime limit |
| Mental Health – Outpatient | 10 consultations (post-hospital) | No cover | 10 consultations | 10 consultations |
| Personal Accident Plan | Optional lump-sum benefit | Optional lump-sum benefit | Optional lump-sum benefit | Optional lump-sum benefit |
Unique and Special Plan Features
24/7 Customer Service
William Russell provides a 24-hour medical helpline for emergencies
requiring immediate medical assistance.
Medical Case Management Service
William Russell works closely with hospitals and clinics during medical treatment to ensure members get home and healthy as soon as possible.
Other unique features
Cashless access for inpatient treatment at network hospitals, with optional cashless access for outpatient treatment in certain countries. The company emphasizes personal service with real people available via phone rather than call centers, positioning itself as a healthcare partner rather than just an insurance provider.
Plan Rules
Minimum and Maximum Acceptance Age
Members must be at least 14 days old and under 75 years old.
Plan is for individuals who live away from their home country for how long
The plans are designed for people who live and work abroad or spend significant time traveling internationally, but no specific minimum time away from home country is specified.
Geographic Zones of Coverage
Six coverage zones available: Zone 1 (Worldwide with restricted USA cover), Zone 2 (Worldwide excluding USA), Zone 3 (Special zone for Indonesia residents), Zone 4 (Africa & Indian Subcontinent with restricted cover elsewhere), Zone 5 (Africa except South Africa & Indian Subcontinent with restricted cover elsewhere), and Zone 7 (South East Asia only, except Thailand and Singapore).
Coverage in my home country
All plans provide international coverage that includes cover when you’re traveling abroad and when you make visits back to your home country.
Minimum duration of policy
1 year
Plan cancellation policy
30-day money-back guarantee if you’re not happy with your policy and haven’t made a claim.
Can they exclude my new health conditions at renewal time?
No
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-approval is required 5 days before inpatient treatment.
Emergencies – no pre-approval is required.
Deductible and Cost-Share Options
There are various excess (deductible) options available, including per claim excesses (nil, US$50, US$100, US$800, US$1,600) and per annum excesses (US$250, US$500, US$1,000, US$2,500, US$5,000, US$10,000). Higher excesses lead to lower premiums.
Pros & Cons
Insurer Details
Plan Name: William Russell Personal Health Plans
Who is the insurer? AWP Health & Life S.A.
Insurer’s Country: France
Insurance Plan main website: http://william-russell.com/
