Wealth Management Hong Kong
1075 Central Building 1-3 Pedder Street Central Hong Kon
Hong Kong 
info@wealthmanagementhongkong.info

Health Insurance Hong Kong

William Russell Health Insurance

Contents For William Russell Health Insurance

William Russell Health Insurance Quotations

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Compare Find And Buy The Best Low Cost Affordable Health Insurance Cover Comparison In Hong Kong 

We have the reputation of putting our clients’ interests first and above everything else.

This site is designed with our clients and our reputation in mind.

Compare Find And Buy The Best Low Cost Affordable Health Insurance Cover Comparison In Hong Kong

Here you can Compare, Find, and Buy The Best Low Cost Affordable Priced Comparison Health Insurance Plans Comparison  worldwide.

So it does not matter where you live or where you travel we have got you covered.

You can now be assured that we are going to work very hard for you in finding the Best Plan for you Health Insurance at the Lowest Affordable Cost.

In addition we only recommend and work with the Top Health Insurance Companies Worldwide as this also ensures that we provide the Best Health Insurance Plans for our clients.

Why don’t you go ahead and get in touch with us today and put us to the test.

 

 

William Russell Health Insurance International medical insurance plans for expats & families. International health insurance plans cover you anywhere in the world. They follow you across borders if you need to travel or return home, even to places where other insurers won’t go. You can choose which hospitals, doctors, and medical facilities you wish to use worldwide, and if you can’t get the emergency treatment you need locally, we’ll organize your medical evacuation to the nearest suitable location.

William Russell

William Russell Health Insurance

William Russell Health Insurance

Health is wealth. Protect this most valuable asset with a medical insurance plan that allows you and your family to receive the necessary treatment without the added financial worry.

William Russell offer 2 Choices Of Medical Insurance Plans:

  1. Essential – Essential Care and Essential Care Plus

  2. Elite – Bronze, Gold and Plantinum

Essential Care 

Our most cost-effective international health insurance plan, Essential Care is ideal for those on a budget. It covers all the major medical costs if you are admitted to hospital.

  • Private hospital accommodation & treatment
  • Full cover for organ, bone marrow & tissue transplants
  • $5,000 cover for emergency in-patient dental treatment
  • Full cover for treatment of cancer
  • Full cover for reconstructive surgery
  • Cover for road ambulances
  • Emergency medical evacuation & 24/7 emergency medical assistance
  • $2,500 cover for post-hospital out-patient treatment
  • Freedom to choose where you receive treatment within your region

Optional – Global Travel Plan

For little extra cost, you can add travel insurance to your international health insurance plan. The travel add-on provides cover for baggage, personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged.

Optional – Personal Accident Plan

The low-cost personal accident add-on is available to you and your partner when you take out an international health insurance plan.

The personal accident add-on will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

The Global Personal Accident plan does not cover accidents as a result of hazardous activities/occupations. Cover for hazardous activities/occupations may be subject to a premium loading, special terms, or we may decline to offer cover.

Hazardous activities include off-piste skiing, scuba diving to a depth of more than 30 metres (or any unsupervised scuba diving), rock climbing or mountaineering, pot-holing, hang-gliding, parachuting (including tandem), bungee jumping, kite surfing/windsurfing, hunting on horseback, driving or riding in any kind of race or competition, flying other than as a passenger in a commercial aircraft, riding a motorcycle (or riding pillion), motor scooter, moped or quad bike, or any other activity that places you in a similar degree of danger as any of those mentioned here.

Optional – Medical Cover In The USA

Our international health insurance plans do not provide cover in the USA. However, the following options are available to customers with an Elite health plan.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover. This limit is increased to $250,000 in respect of emergency treatment following an accident or unforeseen illness you have never suffered before.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Option – Semi Private Room

The Elite plans cover private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of international medical insurance…
  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential health plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our global health insurance plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you’ll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we’ll settle within 3 days. You can call us at any time if you have any questions, and you’ll find our claims team helpful and efficient.

  • It’s easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we’ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    Our international health insurance plans are portable, wherever you are in the world. So if you need to change your country of residence or return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your international health insurance plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover them.

  • 30-day money back guarantee

    If you’re unhappy with anything at all, we’ll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Please refer to the Key Feature and Policy documents for full and up to date details

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

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Essential Care Plus

Essential Care Plus comes with all the benefits of Essential Care, PLUS cover for out-patient treatment, complications encountered during pregnancy, and higher benefit limits.

  • Private hospital accommodation & treatment
  • Full cover for organ, bone marrow & tissue transplants
  • $5,000 cover for complications encountered during pregnancy
  • Full cover for treatment of cancer
  • Full cover for reconstructive surgery
  • $10,000 cover for emergency in-patient dental treatment
  • Emergency medical evacuation & 24/7 emergency medical assistance
  • $10,000 cover for out-patient treatment
  • Freedom to choose where you receive treatment within your region

Optional – Global Travel Plan

For little extra cost, you can add travel insurance to your international health insurance plan. The travel add-on provides cover for baggage, personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged.

Optional – Personal Accident Plan

The low-cost personal accident add-on is available to you and your partner when you take out an international health insurance plan.

The personal accident add-on will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

The Global Personal Accident plan does not cover accidents as a result of hazardous activities/occupations. Cover for hazardous activities/occupations may be subject to a premium loading, special terms, or we may decline to offer cover.

Hazardous activities include off-piste skiing, scuba diving to a depth of more than 30 metres (or any unsupervised scuba diving), rock climbing or mountaineering, pot-holing, hang-gliding, parachuting (including tandem), bungee jumping, kite surfing/windsurfing, hunting on horseback, driving or riding in any kind of race or competition, flying other than as a passenger in a commercial aircraft, riding a motorcycle (or riding pillion), motor scooter, moped or quad bike, or any other activity that places you in a similar degree of danger as any of those mentioned here.

Optional – Medical Cover In The USA

Our international health insurance plans do not provide cover in the USA. However, the following options are available to customers with an Elite health plan.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover. This limit is increased to $250,000 in respect of emergency treatment following an accident or unforeseen illness you have never suffered before.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Optional – Semi Private Room

The Elite plans cover private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of international medical insurance…

  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential health plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our global health insurance plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you’ll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we’ll settle within 3 days. You can call us at any time if you have any questions, and you’ll find our claims team helpful and efficient.

  • It’s easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we’ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    Our international health insurance plans are portable, wherever you are in the world. So if you need to change your country of residence or return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your international health insurance plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover them.

  • 30-day money back guarantee

    If you’re unhappy with anything at all, we’ll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Please refer to the Key Feature and Policy documents for full and up to date details

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Elite Bronze

The Bronze plan protects against all the major medical costs you’ll encounter when you are admitted to hospital or if you require emergency medical evacuation.

  • Private hospital accommodation & treatment
  • Full cover for organ, bone marrow & tissue transplants
  • Full cover for advanced diagnostic tests (MRI, CT, PET etc.)
  • $50,000 cover for psychiatric care (lifetime limit)
  • Full cover for treatment of cancer
  • Full cover for reconstructive surgery
  • $4,800 cover for complications encountered during pregnancy
  • Freedom to choose where in the world you receive medical treatment
  • Emergency medical evacuation & 24/7 emergency medical assistance
  • Post-hospital out-patient treatment
  • Full cover for emergency ward treatment received as a result of an accident
  • Worldwide cover (cover in the USA is optional)

Optional – Global Travel Plan

For little extra cost, you can add travel insurance to your international health insurance plan. The travel add-on provides cover for baggage, personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged.

Optional – Personal Accident Plan

The low-cost personal accident add-on is available to you and your partner when you take out an international health insurance plan.

The personal accident add-on will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

The Global Personal Accident plan does not cover accidents as a result of hazardous activities/occupations. Cover for hazardous activities/occupations may be subject to a premium loading, special terms, or we may decline to offer cover.

Hazardous activities include off-piste skiing, scuba diving to a depth of more than 30 metres (or any unsupervised scuba diving), rock climbing or mountaineering, pot-holing, hang-gliding, parachuting (including tandem), bungee jumping, kite surfing/windsurfing, hunting on horseback, driving or riding in any kind of race or competition, flying other than as a passenger in a commercial aircraft, riding a motorcycle (or riding pillion), motor scooter, moped or quad bike, or any other activity that places you in a similar degree of danger as any of those mentioned here.

Optional – Medical Cover In The USA

Our international health insurance plans do not provide cover in the USA. However, the following options are available to customers with an Elite health plan.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover. This limit is increased to $250,000 in respect of emergency treatment following an accident or unforeseen illness you have never suffered before.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Optional – Seme Private Room

The Elite plans cover private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of international medical insurance…
  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential health plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our global health insurance plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you’ll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we’ll settle within 3 days. You can call us at any time if you have any questions, and you’ll find our claims team helpful and efficient.

  • It’s easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we’ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    Our international health insurance plans are portable, wherever you are in the world. So if you need to change your country of residence or return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your international health insurance plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover them.

  • 30-day money back guarantee

    If you’re unhappy with anything at all, we’ll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Please refer to the Key Feature and Policy documents for full and up to date details

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Elite Silver

Silver is our most popular health plan, providing all the cover of Bronze PLUS additional benefits, including cover for out-patient treatment and chronic conditions.

  • Private hospital accommodation & treatment
  • Full cover for organ, bone marrow & tissue transplants
  • Full cover for chronic conditions
  • Full cover for emergency in-patient dental treatment
  • $10,000 cover for the treatment of newborns
  • Full cover for treatment of cancer
  • Full cover for treatment of cancer
  • $300 well-being benefit (check-ups, optical tests, vaccinations etc.)
  • $75,000 cover for treatment for HIV & AIDS
  • Freedom to choose where in the world you receive medical treatment
  • Emergency medical evacuation & 24/7 emergency medical assistance
  • Full cover for out-patient treatment, tests and consultations
  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist
  • $15,000 cover for complications encountered during pregnancy
  • Worldwide cover (cover in the USA is optional)

Optional – Global Travel Plan

For little extra cost, you can add travel insurance to your international health insurance plan. The travel add-on provides cover for baggage, personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged.

Optional – Personal Accident Plan

The low-cost personal accident add-on is available to you and your partner when you take out an international health insurance plan.

The personal accident add-on will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

The Global Personal Accident plan does not cover accidents as a result of hazardous activities/occupations. Cover for hazardous activities/occupations may be subject to a premium loading, special terms, or we may decline to offer cover.

Hazardous activities include off-piste skiing, scuba diving to a depth of more than 30 metres (or any unsupervised scuba diving), rock climbing or mountaineering, pot-holing, hang-gliding, parachuting (including tandem), bungee jumping, kite surfing/windsurfing, hunting on horseback, driving or riding in any kind of race or competition, flying other than as a passenger in a commercial aircraft, riding a motorcycle (or riding pillion), motor scooter, moped or quad bike, or any other activity that places you in a similar degree of danger as any of those mentioned here.

Optional – Medical Cover In The USA

Our international health insurance plans do not provide cover in the USA. However, the following options are available to customers with an Elite health plan.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover. This limit is increased to $250,000 in respect of emergency treatment following an accident or unforeseen illness you have never suffered before.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Optional – Semi Private Room

The Elite plans cover private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of international medical insurance…
  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential health plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our global health insurance plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you’ll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we’ll settle within 3 days. You can call us at any time if you have any questions, and you’ll find our claims team helpful and efficient.

  • It’s easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we’ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    Our international health insurance plans are portable, wherever you are in the world. So if you need to change your country of residence or return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your international health insurance plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover them.

  • 30-day money back guarantee

    If you’re unhappy with anything at all, we’ll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Please refer to the Key Feature and Policy documents for full and up to date details

Compare Find And Buy The Best Low Cost Affordable Health Insurance Plans In Hong Kong

Discover The Difference

 

Elite Gold

The Gold health plan is our most comprehensive health plan, with generous benefit limits, cover if you need maternity care, and cover for routine dental care.

  • Private hospital accommodation & treatment
  • Full cover for organ, bone marrow & tissue transplants
  • $10,000 cover for routine maternity care
  • $550 well-being benefit (check-ups, optical tests, vaccinations etc.)
  • $1,000 cover for routine dental treatment
  • Freedom to choose where in the world you receive medical treatment
  • Full cover for treatment of cancer
  • Full cover for reconstructive surgery
  • Full cover for for complications encountered during pregnancy and childbirth
  • Full cover for chronic conditions
  • Full cover for emergency in-patient dental treatment
  • Worldwide cover (cover in the USA is optional)
  • Emergency medical evacuation & 24/7 emergency medical assistance
  • Full cover for out-patient treatment, tests and consultations
  • $100,000 cover for the treatment of newborns
  • Cover for treatment by a chiropractor, osteopath, homeopath, or acupuncturist
  • $100,000 cover for treatment for HIV & AIDS

Optional – Global Travel

For little extra cost, you can add travel insurance to your international health insurance plan. The travel add-on provides cover for baggage, personal effects, cancellation, curtailment, and legal liability while you are travelling.

You will also be covered during trips within your country of residence when a trip is pre-booked and involves at least two nights of paid accommodation.

You are covered for:-
• $85,000 of personal accident cover
• $4,250 for the accidental loss of, or damage to, personal baggage ($850 for any one article)
• $4,250 for cancellation and curtailment
• Up to $340 for travel delay ($85 for every full 12 hours delayed)
• $1,700,000 for personal liability
• $850 for personal money
• $42,500 for legal expenses
• $1,700 for travel disruption
• $850 for hijack
• $425 for passport replacement
• Ski insurance cover for piste closure, and ski hire if skis are lost or damaged.

Optional – Personal Accident Plan

The low-cost personal accident add-on is available to you and your partner when you take out an international health insurance plan.

The personal accident add-on will pay a lump-sum benefit to your beneficiary in the event of your death as a result of an accident. The plan will also pay a lump sum benefit if you were to lose, or lose the use of, one or more limbs, or one or both eyes, or be otherwise permanently disabled in an accident.

The Global Personal Accident plan does not cover accidents as a result of hazardous activities/occupations. Cover for hazardous activities/occupations may be subject to a premium loading, special terms, or we may decline to offer cover.

Hazardous activities include off-piste skiing, scuba diving to a depth of more than 30 metres (or any unsupervised scuba diving), rock climbing or mountaineering, pot-holing, hang-gliding, parachuting (including tandem), bungee jumping, kite surfing/windsurfing, hunting on horseback, driving or riding in any kind of race or competition, flying other than as a passenger in a commercial aircraft, riding a motorcycle (or riding pillion), motor scooter, moped or quad bike, or any other activity that places you in a similar degree of danger as any of those mentioned here.

Optional – Medical Cover In the USA

Our international health insurance plans do not provide cover in the USA. However, the following options are available to customers with an Elite health plan.

Worldwide cover with USA (up to $100,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 45 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $100,000 in any one period of cover. This limit is increased to $250,000 in respect of emergency treatment following an accident or unforeseen illness you have never suffered before.

Worldwide cover with USA PLUS (up to $250,000 per period of cover)
Benefit from USA cover during temporary trips* of not more than 90 days for business or pleasure. The maximum amount we will pay in respect of treatment received in the USA is $250,000 in any one period of cover.

*A temporary trip is a trip you take to the USA for business or pleasure of not more than 45 or 90 days. Any trip longer than the 45 or 90 days is not a temporary trip and will not be covered by this optional benefit.

Optional – Semi Private Room

The Elite plans cover private room accommodation when you are admitted to hospital.

For residents of Hong Kong, customers can elect to have their treatment in a semi-private room and receive a discount on their premiums.

A better kind of international medical insurance…
  • Worldwide cover

    You are free to choose where in the world you receive your private medical treatment (or where in your region, if you have an Essential health plan).

  • Fairer pricing

    Your personal claims and medical experience whilst you are a customer with William Russell will have no impact on your renewal premium with us.

  • Easy to understand

    Our global health insurance plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Emergency evacuation

    If the emergency medical treatment you require is not available locally, we will organise for you to be evacuated to the nearest suitable medical facility.

  • Cover for war & terrorism

    Provided you are not in a location the British Foreign & Commonwealth Office has advised its citizens to leave, you’ll be covered in the event of war or terrorism.

  • Straightforward claims

    We try to settle claims within 5 working days, and usually we’ll settle within 3 days. You can call us at any time if you have any questions, and you’ll find our claims team helpful and efficient.

  • It’s easy to apply

    You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours.

  • A lifetime of care

    Join before age 70 and we’ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim.

  • Portable plans

    Our international health insurance plans are portable, wherever you are in the world. So if you need to change your country of residence or return home temporarily, we can continue your cover.

  • Pre-existing conditions

    Your international health insurance plan will not cover a medical condition you have suffered from, or been treated for, before your plan commenced, unless you have disclosed full details of your condition, and we have agreed to cover them.

  • 30-day money back guarantee

    If you’re unhappy with anything at all, we’ll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Please refer to the Key Feature and Policy documents for full and up to date details

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