Our most popular health plan.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for complementary therapies, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
Our most popular health plan.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for complementary therapies, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
Our most popular health plan.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for complementary therapies, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
Low-cost, comprehensive, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll cover your everyday medical costs up to US$10,000, including US$2,500 for primary care and monitoring and maintenance of chronic conditions. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations medical evacuations.
Low-cost, comprehensive, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll cover your everyday medical costs up to €7.5k, including €1,875 for primary care and monitoring and maintenance of chronic conditions. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations medical evacuations.
Low-cost, comprehensive, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll cover your everyday medical costs up to £6,600, including £1,665 for primary care and monitoring and maintenance of chronic conditions. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll only cover your everyday medical costs in the 90 days following your discharge from hospital. We’ll always cover your cancer treatment and advanced diagnostic tests—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll only cover your everyday medical costs in the 90 days following your discharge from hospital. We’ll always cover your cancer treatment and advanced diagnostic tests—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll only cover your everyday medical costs in the 90 days following your discharge from hospital. We’ll always cover your cancer treatment and advanced diagnostic tests—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll only cover your everyday medical costs in the 60 days following your discharge from hospital. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll only cover your everyday medical costs in the 60 days following your discharge from hospital. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
No-frills, low-cost, international health insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a shared room. We’ll only cover your everyday medical costs in the 60 days following your discharge from hospital. We’ll always cover your cancer treatment—whether you’re in hospital or not. Like all our health plans, we’ll cover you for emergency medical evacuations.
The highest levels of cover for international private healthcare insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for maternity care, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
The highest levels of cover for international private healthcare insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for maternity care, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
The highest levels of cover for international private healthcare insurance.
You’ll have full cover when you’re admitted to hospital, with accommodation in a private room. We’ll cover your everyday medical costs in full, plus you'll have cover for maternity care, mental health treatment, and well-being benefits. We’ll always cover your cancer treatment—in and out of hospital. Like all our health plans, we’ll cover you for emergency medical evacuations.
The area of cover is a feature of international plans that you don't typically find in domestic plans. In short, it's the geographical or territorial limits of your plan, specifying in which countries you're covered and which countries you're not. Every health plan from William Russell has an area of cover. As a rule of thumb, a more restrictive area of cover (ie cover in fewer countries) means a greater saving on your premium.
An in-patient is someone who’s been formally admitted to a hospital for medical treatment, staying in a hospital bed for at least one night. Health insurance plans are typically divided into in-patient plans and comprehensive plans.
In-patient plans cover you only for treatment you receive while you’re admitted to hospital. These plans are usually cheaper.
Comprehensive plans also cover you for primary care and everyday medical costs. These plans usually more expensive.
You can choose the frequency with which you pay the premium for your health plan. You can choose monthly, quarterly, half-yearly or annually. Paying annually is the cheapest option overall. There’s a 3% surcharge if you pay half-yearly and a 5% surcharge if you pay monthly or quarterly. You can pay your premium by credit or debit card, bank transfer or cheque.
When you apply for a health plan, we assess your medical records, including any medical conditions or injuries you have suffered in the past. This process is known as medical underwriting. It helps us decide the terms on which we can offer you cover.
Full medical underwriting (no cover for pre-existing medical conditions)
Moratorium (pre-existing medical conditions may become eligible for cover if you haven’t experienced symptoms for a certain period)
Switch (we adopt the similar terms to those you enjoyed under your previous insurer)
None of the areas of cover include cover in the USA as standard. This is because private healthcare in the USA is extremely expensive and most of our members do not need cover there. But if you do need cover for temporary trips to the USA, we have two options for you: -
USA-45 (cover for temporary trips of up to 45 days)
USA-90 (cover for temporary trips of up to 90 days)
These options are only available if you have selected Zone 1 as your area of cover.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare.
A per claim excess is the amount you pay each time you make a new claim for a new medical condition.
A per annum excess is the total amount you’ll be out-of-pocket in a single year of your plan.
The best excess for you depends on your needs. We see the excess as a partnership between us and our members. A higher excess helps reduce our spending on medical treatment, and we pass on savings to your premium. So—as a rule of thumb, a higher excess means a lower premium for your plan.
The information on our websites is general in nature and does not constitute a contractual offer. If you obtain a quote from our website, your quote is subject to completion of an application form and our medical underwriting process. We offer insurance plans on behalf of two insurers. Our health, life, and income protection insurance plans are insured by AWP Health & Life S.A., part of the Allianz group of companies. Our travel and personal accident plans are insured by Griffin Underwriting Ltd. We are authorised and regulated by the UK Financial Conduct Authority. We are not authorised to provide you with advice on insurance. We simply provide information on our plans and services so you can make an informed decision.
We'll only use the personal data you give us to calculate prices. We'll email you a summary of the plans available to you instantly, and we'll email you a detailed quote should you choose to personalise your plan. We may try to call you to discuss your quote.
We won't spam you or bombard you with calls, and we won't sign you up to any pesky newsletters. You can read how we handle any personal data you give us in our privacy policy
Please note that we're based in the UK.
We're available to help you from 0900 to 1700 GMT, Monday to Friday.
The country where you’ll be needing cover (also known as ‘country of residence’) is the country where you’ll be living or working, or spending most of your time. Our plans are designed for expats (eg a British national living in Hong Kong, a French national living in Brazil). Typically, our members are permanently resident in a foreign country. But we can sometimes insure people who expect to spend at least 6 months of the year living or travelling abroad.
Your country of nationality is the country stated on your passport (eg United States, Netherlands). If you have dual nationality, you can choose whichever nationality you prefer. We can insure people of every nationality!
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