William Russell

Established in June 1992, William Russell is one of the original specialist providers of international health and protection insurance, designed for expatriates. They are one of the largest independently owned, international health insurance providers.

In Hong Kong, William Russell's plans are underwritten by Sompo Insurance (Hong Kong) Co., Ltd., an insurance company authorised to carry on general insurance business.

William Russell Ltd. is an appointed Insurance Agency of Sompo Insurance.

The owners of the company remain actively involved in the running of the business, allowing decisions to be made swiftly, for an efficient and timely service when it is needed most.

William Russell has purposely not adopted the call centre approach, as they believe people are becoming increasingly frustrated with having to communicate with a telephone key pad rather than a person.

So, when you call William Russell, you’ll be put straight through to the person you want to talk to, who will be friendly, polite and eager to assist you.

William Russell offer a range of high-value, comprehensive insurance protection plans to suit all budgets and needs, for individuals, families and businesses. Their Global Plans range consists of three international health insurance plans – from Bronze, which covers the major costs of private hospital treatment and emergency medical evacuation, to their top of the range Gold plan, with the widest possible benefits for maternity care, dental care and a range of well being benefits.

To complete their protection range they offer international life insurance cover, accident cover, income protection and travel insurance cover for baggage and personal effects.

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 us 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 contact Navigator today.

claim details

underwriting details

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.

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.

BronzeLite

The BronzeLite plan is a no-frills, low-cost international health plan that provides full cover when you’re admitted to hospital, with accommodation in a semi-private room. You’re covered in full for hospital treatment (including all cancer care) but cover for everyday medical costs is limited to treatment you receive within 60 days of your discharge from hospital.

BronzeLite is a good fit for members with the following circumstances:

  • US$750,000 annual benefit limit
  • Full cover for hospital treatment (with semi-private accommodation)
  • Full cover for cancer treatment
  • US$2,500 cover for everyday medical care (post-hospital only)
  • Emergency medical evacuation

Documents:

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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:

Download all as zip

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:

Download all as zip

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:

Download all as zip

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:

Download all as zip

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:

Download all as zip

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:

Download all as zip

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:

Download all as zip

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.

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong