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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.
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$3,500 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.
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 €2,625 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.
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 £2,310 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.
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 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 the geographical or territorial limits of your plan, specifying in which countries you’re covered and which countries you’re not.
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.
The premiums we’re showing you here are indicative.
When you apply for a health plan with us, we’ll ask for full details of your medical history. If you have pre-existing medical conditions, the final premium on your invitation to purchase a plan may be higher than the ones you see here.
We’ll always provide you with full information about your plan and how we’ve calculated your premiums, so you can make an informed decision for your private healthcare needs.
Your quote for health insurance is valid until .
The premium you see is the amount that you’ll pay for your health plan. Paying annually is the cheapest option overall. There’s a 3% surcharge if you pay half-yearly and a 5% surcharge if you pay quarterly. You can pay your premium by bank transfer or cheque.
The premium you see is the amount that you’ll pay each month for your health plan. Once you’ve selected a health plan to personalise, you can choose a different payment frequency. Paying annually is the cheapest option overall. There’s a 3% surcharge if you pay half-yearly and a 5% surcharge if you pay quarterly. You can pay your premium by bank transfer or cheque.
The premium you see is the amount that you’ll pay each month for your health plan. Once you’ve selected a health plan to personalise, you can choose a different payment frequency. 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 means we’ll ask you a series of questions about your medical history when you apply.
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 includes 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, you can select cover for temporary trips of up to 45 days.
Your area of cover doesn’t include 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, you can choose cover for temporary trips of up to 45 days.
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.
A co-insurance is the contribution you must make towards the cost of your out-patient treatment. With a 20% co-insurance, for example, you pay for 20% of any bills for doctor visits or specialist consultations. If you select no co-insurance, you won’t have to contribute anything towards the cost of your out-patient treatment.
The best co-insurance for you depends on your needs. We see the co-insurance as a partnership between us and you. A higher co-insurance helps reduce our spending on medical treatment, and we pass on savings to your premium. So—as a rule of thumb, a higher co-insurance means a lower premium.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare. A ‘per visit’ excess is the amount you pay each time you visit a doctor or dentist. If you select a nil excess, you won’t have to pay anything each time you make such a visit.
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.
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.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare.
A per visit excess is the amount you pay each time you have a consultation with a doctor or dentist.
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.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare. With a US$250 per annum excess, you pay the first US$250 for your medical treatment each year. Once you’ve selected a health plan to personalise, you can choose a different excess. As a rule of thumb, a higher excess means a lower premium for your plan.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare. With a £167 per annum excess, you pay the first £167 for your medical treatment each year. Once you’ve selected a health plan to personalise, you can choose a different excess. As a rule of thumb, a higher excess means a lower premium for your plan.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your healthcare. With a €225 per annum excess, you pay the first €225 for your medical treatment each year. Once you’ve selected a health plan to personalise, you can choose a different excess. As a rule of thumb, a higher excess means a lower premium for your plan.
An excess is the amount you pay out-of-pocket before your plan begins to pay for your private healthcare. With a US$50 per visit excess, you pay US$50 for each visit to a doctor or dentist. Once you’ve selected a health plan to personalise, you can choose a different excess. As a rule of thumb, a higher excess means a lower premium for your plan.
A co-insurance is the contribution you must make towards the cost of your out-patient treatment. With a 20% co-insurance, for example, you pay for 20% of any bills for doctor visits or specialist consultations. On the next page, you can change to a different co-insurance. You can also remove the co-insurance completely. So—as a rule of thumb, a higher co-insurance means a lower premium.
A co-insurance is the contribution you must make towards the cost of your out-patient treatment. With a 20% co-insurance, for example, you pay for 20% of any bills for doctor visits or specialist consultations. If you select no co-insurance, you won’t have to contribute anything towards the cost of your out-patient treatment.
The best co-insurance for you depends on your needs. We see the co-insurance as a partnership between us and you. A higher co-insurance helps reduce our spending on medical treatment, and we pass on savings to your premium. So—as a rule of thumb, a higher co-insurance means a lower premium.
The cost of your hospital treatment often depends on what type of room you're staying in. If you stay in a private room, you'll pay much more for your treatment costs - even though the standard of care and other services are exactly the same.
By choosing a non-private room you can greatly reduce the cost of your hospital treatment, and we'll pass on savings to your premium
Semi-private hospital rooms
A semi-private room is an en-suite room shared with one another patient, typically with a curtain separating your private area.
Private hospital rooms
A private room is an en-suite single room, in which you'll be the only guest.
The cost of your hospital treatment often depends on what type of room you're staying in. If you stay in a private room, you'll pay much more for your treatment costs - even though the standard of care and other services are exactly the same.
By choosing a non-private room you can greatly reduce the cost of your hospital treatment, and we'll pass on savings to your premium
General wards
A general ward is a large hospital room shared with up to 9 other patients, typically with a curtain separating your private area.
Semi-private hospital rooms
A semi-private room is an en-suite room shared with one another patient, typically with a curtain separating your private area.
The cost of your hospital treatment often depends on what type of room you're staying in. If you stay in a private room, you'll pay much more for your treatment costs - even though the standard of care and other services are exactly the same.
By choosing a non-private room you can greatly reduce the cost of your hospital treatment, and we'll pass on savings to your premium
General wards
A general ward is a large hospital room shared with up to 9 other patients, typically with a curtain separating your private area.
Semi-private hospital rooms
A semi-private room is an en-suite room shared with one another patient, typically with a curtain separating your private area.
Private hospital rooms
A private room is an en-suite single room, in which you'll be the only guest.
In the UAE, you access private healthcare through your chosen network of hospitals and clinics. All networks are managed by NEXtCARE, our private healthcare specialist in the Middle East. Network 1 is the standard selection for your plan. The higher the network number, the greater your hospital coverage (and the higher your premium).
Here are the available Network options applicable to the area of cover
If the area of cover is Zone1:
Network 1 (General Network excluding all hospitals/clinics in the Mediclinic Group)
Network 2 (General Network excluding Mediclinic City and American Hospital)
Network 3 (General Network)
Network 4 (General Network Plus)
If the area of cover is Local or Regional:
Network 1 (Restricted2)
Network 2 (Restricted)
Out-patient treatment means cover for doctor visits, specialist consultations, diagnostic tests, and physiotherapy.
You can choose from three annual limits for your cover for out-patient treatment.
US$5,000 per period of cover, including US$1,500 for primary care
US$7,500 per period of cover, including US$2,500 for primary care
US$10,000 per period of cover, including US$3,500 for primary care
Out-patient treatment means cover for doctor visits, specialist consultations, diagnostic tests, and physiotherapy.
You can choose from three annual limits for your cover for out-patient treatment.
£3,300 per period of cover, including £1,000 for primary care
£5,000 per period of cover, including £1,665 for primary care
£6,600 per period of cover, including £2,310 for primary care
Out-patient treatment means cover for doctor visits, specialist consultations, diagnostic tests, and physiotherapy.
You can choose from three annual limits for your cover for out-patient treatment.
€3,750 per period of cover, including €1,125 for primary care
€5,625 per period of cover, including €1,875 for primary care
€7,500 per period of cover, including €2,625 for primary care
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 valid for 30 days or until 31st December of the current year (whichever is soonest). If you live in Hong Kong, however, your quote is valid for 30 days or until the last day in February (whichever is soonest). Your quote is subject to completion of an application form and our medical underwriting process. We offer insurance plans on behalf of two insurers, both of which are companies in the Allianz group. AWP P&C SA UK is the insurer of our health and personal accident insurance plans for residents of the UK. AWP Health & Life SA is the insurer of health and personal accident insurance plans for residents in all other countries, and the insurer of our life and income protection insurance plans in all countries you’re your plan is insured by AWP Health & Life SA, we’ll enrol you automatically in the William Russell Association if you purchase a plan. We are authorised and regulated in the UK by the Financial Conduct Authority, and we are registered in Belgium with the Financial Services & Markets Authority. We’re 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 use the personal data you give us to calculate a premium for you. We'll email you a summary of the plans available to you, and we may try to call you to discuss your quote. If you tick the box to receive personalised news & promotions from us, we’ll send you the occasional email. We won't spam you or bombard you with calls, and you can unsubscribe at any time. You can read about how we handle the personal data you give us at william-russell.com/privacy.
Life insurance helps you to safeguard your family's financial future should you pass away. You'll leave behind a cash lump-sum to help maintain your family's standard of living or to pay off a mortgage or debt. While domestic life insurance might not cover you if you die abroad, with international life insurance you’ll be covered around the world.
You can insure your life for any amount up to US$2m or £1.5m or €1.7m. This is the amount your beneficiaries would receive if you passed away. The sum you insure cannot exceed 20x your current annual earnings.
With the optional accident benefit, your family will receive an additional cash lump-sum if your death is caused by an accident. If you suffer a serious injury in an accident, we'll pay the cash lump- sum directly to you.
The accident benefit is only available if you also purchase life insurance. You can purchase accident cover up to US$500k or £375k or €500k, but the sum you insure cannot exceed your life benefit.
An income protection plan pays you a replacement income if you’re unable to work because of illness or injury.
You can insure up to 75% of your annual salary, up to a maximum of US$144k or £108k or €144k. This is the replacement income we’ll pay you if you’re unable to work because of illness or injury.
Payment of your replacement income starts after your deferment period. You can choose a deferment period of 3 months or 6 months. Premiums are higher with a 3-month deferment period, because payment of your replacement income starts sooner.
Please note that we're based in the UK.
We're available to help you from 0900 to 1700 GMT, Monday to Friday.
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Our premiums are different for males and females in the United Arab Emirates. We need to know your gender to give you an accurate premium.
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. In certain countries, we can cover people living in their country of nationality.
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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