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William Russell Insurance

William Russell

Protect Your Health and Finances with International Medical, Life, and Income Protection Insurance

Introduction

William Russell is a company that provides insurance plans for expats, individuals, professionals, families, remote workers, digital nomads, and businesses. Since 1992, they have been helping expats around the world ensure their health and financial security, offering a range of insurance products including international medical insurance, life insurance, and income protection insurance.
One of the things that sets William Russell apart from other expat insurance providers is their personal approach. They don’t have call centers and you always speak to someone at the company when you have a question or concern. They also have a higher number of people per member than any other provider, which allows them to offer more personalized service. Additionally, they are independently owned and operated, which means they don’t answer to shareholders or investors.
William Russell is committed to customer satisfaction and offers a 30-day money back guarantee for their insurance plans. If you are not completely satisfied with your plan, you can cancel within 30 days and receive a full refund. They also work with the Allianz Group, one of the largest financial services groups in the world, to provide insured plans. They prioritize the security of their customers’ personal data and have received ISO 27001 certification and are GDPR compliant. They are also regulated by the Financial Conduct Authority in the UK and the Financial Services & Markets Authority in Belgium.

International health insurance and key aspects of the William Russell Solution

William Russell’s international health insurance policy is designed to provide coverage for expats, individuals, families, remote workers, frequent travelers, businesses, and organizations living and working abroad or needing coverage for private healthcare in multiple countries. They offer global health insurance coverage with access to over 40,000 hospitals worldwide, ensuring that you have access to the best medical care no matter where you are. Whether you need primary care or complex surgery, you’ll have access to top hospitals and doctors around the world with William Russell’s insurance.

William Russell’s insurance plans offer comprehensive coverage for cancer care and treatment, including the latest techniques and technologies such as genome testing. They understand that cancer can have a significant impact on a person’s life in many ways, which is why they offer additional benefits such as coverage for wigs following chemotherapy, counseling with a psychologist, and consultations with a dietitian. Their plans also include full coverage for essential treatments, including genome testing and dental treatment, as well as access to the highest-quality cancer care and treatment. With William Russell’s insurance, you and your family can have peace of mind knowing that you have access to top-quality care if you need it, even when living abroad.

William Russell understands the importance of mental health, especially for those living and working abroad who may be away from their support network. That is why they offer coverage for mental health consultations and treatment. If you are an expat or frequent traveler, it can be reassuring to know that you have access to mental health care and support if you need it, no matter where you are. William Russell’s insurance plans are designed to provide comprehensive coverage for a variety of health-related needs, including mental health care.

If you are interested in learning more about their international health insurance policy and how it can meet your needs, you can get in touch with us through the contact form or chat box in the lower left corner.

International Life Insurance with William Russell

William Russell’s international life insurance plans are designed specifically for expats looking to protect their loved ones with financial security in the event of the unexpected. With their plans, you can insure your life up to 20 times your current annual salary, with coverage available in US dollars, pounds sterling, Euros, and UAE dirhams. This can provide peace of mind for you and your family, knowing that you have taken steps to protect their financial future in the event of your passing. If you are an expat looking for life insurance coverage, William Russell’s international plans may be a good option for you.

International life insurance is a type of insurance designed specifically for people living and working abroad. It is similar to regular life insurance in that it provides a financial payout to the insured’s family in the event of their death. However, international life insurance is different in that it offers coverage for death anywhere in the world, whereas regular life insurance only covers death in the country where the insurance is purchased. This makes international life insurance an important consideration for expats, remote workers, and frequent travelers who may not be covered by regular life insurance while they are abroad. It can provide financial security for their families in the event of their passing, helping to cover expenses such as mortgages, private education for children, and other financial obligations.

William Russell’s international life insurance plans offer coverage of up to US$2 million, providing financial security for your family in the event of your passing. They also offer an optional accident benefit of up to US$500,000, which provides an additional cash lump sum to your family if your death is caused by an accident, or pays a cash lump sum directly to you if you suffer a severe injury in an accident. In the event that you are diagnosed with a terminal illness with a life expectancy of 12 months or less, William Russell will pay the life benefit early to give you the freedom to arrange your affairs and spend time with your loved ones. Their plans have a strong track record, with 100% of genuine expat life insurance claims being paid in the past five years, and are underwritten by the Allianz Group, providing confidence in your coverage.

International Income Protection with William Russell

William Russell’s international income protection insurance is designed to provide financial support to expats in the event that an illness or injury prevents them from working in their regular profession while living and working abroad. With this type of insurance, you can receive a regular monthly income to help cover your expenses and support you and your family financially while you focus on your recovery. You can choose the amount of coverage that is right for you, up to 80% of your salary (subject to a US$144,000 limit) and select a three or six-month deferment period. You can apply for this coverage up until age 60, and once your coverage is in place, you can continue to renew it each year until you reach your 65th birthday, even if your health deteriorates. William Russell’s international income protection insurance also comes with the added benefit of personal service and support from a team of real people.

For William Russell, it’s not just about providing the right amount of coverage for their international income protection insurance. They also strive to make the application process easy and provide dedicated account managers to handle claims in the event that you need to file one. With their coverage, you can receive income benefits until you are able to return to work, reach age 65, or until your death, whichever comes sooner. They have built a strong reputation for providing quick and honest answers from their friendly teams, and offer a 30-day cancellation period for their plans. All of these factors contribute to why their members stay with them for years.

Employee Benefits with William Russell

William Russell understands the importance of “people power” for companies operating internationally, which is why they offer international employee benefits to protect and support your staff. These benefits include group insurance plans that provide medical insurance, life and income protection coverage, helping your employees to adapt to living abroad and feel supported and reassured. By investing in these benefits, you can show your employees that you value them and care about their well-being, both at work and in their personal lives. William Russell’s employee benefits are designed to help your international employees thrive, protecting them against potential challenges and helping them stay at their best.

Group international health insurance, also known as international private medical insurance (IPMI), is a necessary benefit for employees working overseas in order to provide them with access to quality healthcare. It also helps HR departments and corporate managers meet their duty of care to expats and can be used as a perk to attract top candidates. William Russell’s international medical insurance offers high coverage limits and comes with dedicated account management to ensure that group employees have access to the best healthcare options around the world. By offering this benefit, you can help your international employees live life to the fullest and feel reassured that they have the necessary healthcare coverage while working abroad.

International life insurance is an important benefit for employees working abroad who have dependents and financial commitments. It provides financial security for their loved ones in the event of their death, and can be particularly desirable for employees with families. William Russell’s group international life insurance offers coverage of up to US$2m per employee, giving employees peace of mind that their dependents will be taken care of in the event of their unexpected death. In addition, the life insurance policy includes an early payout option if the employee is diagnosed with a terminal illness and given less than a year to live, allowing them to arrange their affairs and spend time with loved ones before their passing. By offering this benefit to your international employees, you can provide them with the reassurance and support they need while working far from home.
If you’re an international employee, your income and lifestyle are closely connected. To help protect your financial well-being if you’re unable to work due to an illness or injury, William Russell offers group income protection insurance. This policy can cover up to 75% of your income, up to a maximum of $200,000, helping to cover the costs of an extended absence from work. This benefit can be particularly appealing for employees working abroad, who may not have access to the same safety nets as they would at home. It also protects your employer from the burden of long-term sick pay.

Table of Benefits

Policy Wording

Exclusions