Overview
William Russell has protected over 40,000 members across 160+ countries since 1992. As a boutique specialist in expatriate and international health insurance, William Russell combines comprehensive global coverage with personalized service through offices in London, Brussels, and Hong Kong. Founded by Inez and James Cooper as a family-run business, they’ve grown into a leading provider while maintaining their commitment to personal touch – with named advisors instead of call centers. Their plans feature direct billing agreements with 40,000+ healthcare providers worldwide, enabling cashless treatment at premier hospitals internationally.
William Russell offers flexible coverage that adapts to diverse needs – from long-term expatriates and families to remote workers, digital nomads, and international businesses. Coverage areas range from worldwide (excluding USA) to region-specific zones, with annual maximums up to $8 million and deductible options from $0 to $25,000. Plans are underwritten by AWP Health & Life SA, part of the Allianz group.
Your guide to William Russell
Brochures
Key benefits & coverage
Core medical coverage
Comprehensive inpatient and outpatient benefits including hospitalization (private or semi-private room, ICU, surgery at 100% after deductible), emergency services, prescription drugs, and mental health support with lifetime limits. Pre-existing conditions may be covered subject to underwriting or waiting periods. Full cancer treatment coverage including genome testing, chemotherapy, radiotherapy, and support services like wigs and counseling.
Additional protection
Medical evacuation coverage for life or limb-threatening conditions when treatment isn’t available locally, repatriation services, and 24/7 multilingual support through dedicated teams. Optional riders available for enhanced maternity, dental (Basic and Plus), vision, well-being benefits, and Medevac Plus for additional evacuation coverage. Compare plan options →
Digital services
The William Russell member portal and mobile app provide instant provider search, online claim submission and tracking, digital ID cards, and 24/7 personal support from named advisors. Direct billing eliminates upfront payments at network providers, with cashless access available for outpatient treatment on comprehensive plans. Download/Signup for William Russell →
Plans & pricing
Bronze & SilverLite Plans – Value plans designed for cost-conscious expats requiring essential coverage for serious health conditions. Bronze covers post-hospital outpatient treatment only, while SilverLite includes limited everyday medical costs up to $10,000.
Silver Plan – Their best-selling comprehensive plan for expatriates requiring full outpatient coverage with no sublimits, complementary therapies, mental health treatment, and well-being benefits.
Gold Plan – Premium coverage including all Silver benefits plus maternity (12-month waiting period), basic dental care, and the highest benefit limits across all categories.
William Russell offers age-banded pricing with no-claims bonuses, group discounts starting from 3+ members, and zone-based pricing options to reduce premiums. Special pricing available for specific regions including Asia, Africa, and India. Get a quote →
Important information
Waiting Periods: Maternity coverage (12 months), major dental work (6-10 months), certain outpatient benefits (6 months), well-being benefits vary by plan. No waiting period for hospitalization or emergency treatment. Full policy terms →
Service Standards: Claims typically processed within 5-7 business days, 95% member retention rate, Feefo Platinum Trusted Service Award winner for customer service excellence, personal service with named advisors instead of call centers.
Regulatory: Plans underwritten by AWP Health & Life SA (part of Allianz group). Available to expatriates living outside their country of nationality, with exceptions in select countries.
Additional Resources
Reviews
Customer reviews
⭐⭐⭐⭐⭐ 4.5/5 based on 1,400+ reviews (Feefo)