William Russell
William Russell has been the award-winning independent provider of international insurance for expats, their families, and international employers since 1992. The company was founded by Inez Cooper and James Cooper. Over the years, it’s grown from a family-run business to one of the leading insurance providers of international health, life, income protection and employee benefits cover. It has offices in London, Brussels and Hong Kong and customers in over 160 countries. William Russell insurance plans are worldwide, fully portable across countries and renew annually so customers aren’t locked into long-term contracts.
2022 UK Health & Protection Awards
In October, William Russel won the Best Individual International Healthcare Provider accolade at Health & Protection magazine's annual award ceremony. They beat out much larger competitors to the top spot, which isn't bad for a company with less than 100 employees! In William Russell's view, their size means they can be much closer and more responsive to their members, than other options in the market.
Highlights for 2023
- Average premium of inflation of just 6.39%
- Improvements to cancer and mental health benefits
- A new area of cover for Southeast Asia only
- Local Nationals can now be covered in Kenya, Botswana, Mauritius, and South Africa.
The plans are insured by AWP Health & Life SA, an insurer in the Allianz group of companies with which William Russell has a close working relationship.William Russell provides insurance with a personal touch. They have some of the best customer ratings in the business: they believe in named advisors, not claims centres; fairness and transparency, not hiding behind terms and conditions; and honest communications rather than corporate speak and insurance jargon. They’re a boutique insurance provider—not necessarily the cheapest, but specialists in customer experience. They are fully independent, with no shareholders or private equity investors. Their own obligation is to the customers.
Free William Russell Insurance Quotes
If you would like to receive a free quote for any of the William Russell Insurance plans offered by Navigator simply contact and tell us what you need.
If you would like further details about individual policies from William Russell Insurance, would like to compare William Russell against a range of alternative insurance providers, or if you would like to investigate your coverage options in Hong Kong, please call us on 852 2530 2530 - email crew@navigator-insurance.com
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Global Health Elite
Global Health Essential
International Health Insurance
We’re a health insurance provider taking a different approach to insurance. By putting our members at the heart of everything we do, we’re building a healthcare experience that’s both personal and fair. Our plans put you in charge of your health, with cover for the latest medical treatments, freedom to access private healthcare internationally & our trademark personal service. That’s why we’re the healthcare partner for people living & working abroad.
COVID-19 & Expat Mental Health
Select your Core Plan
All our plans help you access private healthcare around the world, with each one doing so in a different way. But there are some things we never compromise on. All plans include international cover, generous benefits for hospital costs, cancer treatment, and emergency medical evacuation.
All the benefits below are per member per period of cover, unless stated otherwise. Some benefit limits are stated in multiple currencies—the currency that applies to you is the currency in which you pay your premium.
Bronze
The Bronze plan is a solid international health plan, pitched between BronzeLite and Silver. You have all the benefits of BronzeLite, plus a private room when you’re admitted to hospital. Cover for everyday medical costs is limited to treatment you receive within 90 days of your discharge from hospital, but you’re always covered in full for cancer treatment and advanced diagnostic tests.
Bronze is a good fit for members with the following circumstances:
- US$1,5m annual benefit limit
- Full cover for hospital treatment (with private accommodation)
- Full cover for cancer treatment
- US$50,000 cover for in-patient mental health treatment
- Full cover for everyday medical care
- Emergency medical evacuation
Documents:
William Russell - Personal Health Bronze Brochure
William Russell - Personal Health BronzeLite Brochure
William Russell - Personal Health Gold Brochure
William Russell - Personal Health Plans Application form
William Russell - Personal Health Plans Claim Reimbursement Form
William Russell - Personal Health Plans General Claim Form
William Russell - Personal Health Plans Guide
William Russell - Personal Health Plans Information Document
William Russell - Personal Health Plans resident HK Application form
William Russell - Personal Health Silver Brochure
William Russell - Personal Health SilverLite Brochure
SilverLite
The SilverLite plan is a low-cost international health plan with all the benefits of BronzeLite, plus up to US$10,000 cover for everyday medical costs including US$2,500 cover for primary medical care and the monitoring and maintenance of chronic conditions. There is also cover for hospital treatment needed as a result of complications of pregnancy.
SilverLite is a good fit for members with the following circumstances:
- US$1,5m annual benefit limit
- Full cover for hospital treatment (with semi-private accommodation)
- Full cover for cancer treatment
- US$10,000 cover for everyday medical care
- Emergency medical evacuation
Documents:
William Russell - Personal Health Bronze Brochure
William Russell - Personal Health BronzeLite Brochure
William Russell - Personal Health Gold Brochure
William Russell - Personal Health Plans Application form
William Russell - Personal Health Plans Claim Reimbursement Form
William Russell - Personal Health Plans General Claim Form
William Russell - Personal Health Plans Guide
William Russell - Personal Health Plans Information Document
William Russell - Personal Health Plans resident HK Application form
William Russell - Personal Health Silver Brochure
William Russell - Personal Health SilverLite Brochure
Silver
The Silver plan is our most popular and best-selling plan, with all the benefits of Bronze and SilverLite but with no limit to your cover for everyday medical costs. You also have cover for complementary therapies, mental health treatment, and well-being benefits.
Silver is a good fit for members with the following circumstances:
- US$2,5m annual benefit limit
- Full cover for hospital treatment (with private accommodation)
- Full cover for cancer treatment
- US$75,000 cover for mental health treatment
- Full cover for everyday medical costs
- US$75,000 cover for well-being
- routine dental care
- complex dental care
- Cover for complications of pregnancy
- Emergency medical evacuation
Documents:
William Russell - Personal Health Bronze Brochure
William Russell - Personal Health BronzeLite Brochure
William Russell - Personal Health Gold Brochure
William Russell - Personal Health Plans Application form
William Russell - Personal Health Plans Claim Reimbursement Form
William Russell - Personal Health Plans General Claim Form
William Russell - Personal Health Plans Guide
William Russell - Personal Health Plans Information Document
William Russell - Personal Health Plans resident HK Application form
William Russell - Personal Health Silver Brochure
William Russell - Personal Health SilverLite Brochure
Gold
The Gold plan is our top-level health plan, with the highest level of cover and most comprehensive benefits for treatment inside and out of hospital. With a Gold plan you have all the benefits of Silver, plus cover for dental care, maternity costs, and a cash benefit upon diagnosis of cancer.
Gold is a good fit for members with the following circumstances:
- US$5m annual benefit limit
- Full cover for hospital treatment (with private accommodation)
- Full cover for cancer treatment
- US$100,000 cover for mental health treatment
- Full cover for everyday medical costs
- US$750 cover for well-being
- routine dental care
- US$15,000 cover for routine maternity care
- Emergency medical evacuation
Documents:
William Russell - Personal Health Bronze Brochure
William Russell - Personal Health BronzeLite Brochure
William Russell - Personal Health Gold Brochure
William Russell - Personal Health Plans Application form
William Russell - Personal Health Plans Claim Reimbursement Form
William Russell - Personal Health Plans General Claim Form
William Russell - Personal Health Plans Guide
William Russell - Personal Health Plans Information Document
William Russell - Personal Health Plans resident HK Application form
William Russell - Personal Health Silver Brochure
William Russell - Personal Health SilverLite Brochure
Global Expat Life Insurance Plans
William Russell's Global Life Plan is designed for expats who wish to ensure the people and things that matter the most are taken care of, should the worst happen. You can take out cover up to 20x your salary to a maximum of $2m (5x salary for groups).
Plans are available in US Dollars, GB Sterling and Euros.
Plans and Benefits
William Russell 's Global Life Cover provides affordable life insurance to safeguard you and your family and you can choose to add Accident Benefit for extra peace of mind, should you wish.
Cover is also available as corporate plans for groups of three or more employees – to discuss a life plan group policy, please call and speak to our dedicated group team today.
Global Life Plan
From US$7 a month
Example price for a 20 year old wishing to secure US$100,000 cover
From US$15 a month
Example price for a 40 year old wishing to secure US$100,000 cover
- Insure up to 20x your salary up to US$2,000,000 (limited to 5 x for group policies)
- Portable worldwide coverage (with the exception of excluded countries)
- Cover available for customers aged 18-69
- Terminal illness cover: early payment of the life benefit upon diagnosis where the prognosis is 12 months or less
- Cover available for individuals and groups
Documents:
William Russell - Personal Accident Plan Agreement Brochure
William Russell - Personal Accident Plan Application Form
William Russell - Personal Accident Plan Brochure
William Russell - Personal Accident Plan Claim Form
William Russell - Personal Accident Plan Information Document
William Russell - Personal Life Plan Agreement Brochure
William Russell - Personal Life Plan Brochure
William Russell - Personal Life Plan Key Facts
Optional Accident Benefit
From US$14 a month
Example price for an 18-69 year old wishing to secure US$100,000 cover
- Up to US$500,000 additional accident cover
- Portable worldwide coverage (with the exception of excluded countries)
- Only available when bought with a global Life Cover policy
- Our Accident Benefit will pay a cash benefit to your beneficiaries if you die as the result of an accident. Or, if you suffer a permanent disability, the benefit will be paid to you.
- Cover available for individuals and groups
Documents:
William Russell - Personal Accident Plan Agreement Brochure
William Russell - Personal Accident Plan Application Form
William Russell - Personal Accident Plan Brochure
William Russell - Personal Accident Plan Claim Form
William Russell - Personal Accident Plan Information Document
William Russell - Personal Life Plan Agreement Brochure
William Russell - Personal Life Plan Brochure
William Russell - Personal Life Plan Key Facts
Global expat income protection plans
Our Global Income Protection cover is designed for international citizens who wish to safeguard their lifestyle, in the event of incapacity to work due to an illness or injury.
Our plan benefits
Our Global Income Protection plan provides affordable cover to safeguard you and your family, in the event you are unable to work due to an illness or injury.
These prices are illustrative of cover for individuals.
Cover is also available as corporate plans for groups of three or more employees – to discuss an income protection group policy, please call and speak to our dedicated group team today.
Global income protection
From US$88 per month
Example price for a 20 year old wishing to secure US$50,000 cover, with a three month deferment period
From US$116 per month
Example price for a 40 year old wishing to secure US$50,000 cover, with a three month deferment period
- Cover up to 75% of your salary, subject to a maximum of US$144,000 per annum
- Portable worldwide coverage, with the exception of excluded countries
- Choice of a three or six month deferment period
- Income benefit paid if you are unable to work due to accident or illness. New policies are available to international citizens aged 18-55 with an insurable income
- Income benefit paid until you are able to return to work (your own occupation, or any suitable occupation after 24 months), aged 65 or death, whichever comes sooner
- Cover available to eligible individuals and groups
Documents:
William Russell - Personal Income Protection Plan Agreement Brochure
William Russell - Quick Guide to Personal Income Protection Brochure
Global insurance for businesses
Ensuring your employees get the most out of living abroad can be helped along by securing international medical and protection insurance from a provider that really cares. With over 25 years’ experience and a medical network spanning the globe, discover why William Russell could be the right insurance partner for your business.
Explore how our group health, life and income protection could help you get the right employee benefits for your business and a competitive advantage in attracting and retaining talent. Select the number of employees you wish to cover below to find out more, or you can call us if would prefer to speak with a real person.