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New member discount

We're discounting the premiums that you pay when you purchase a new health insurance policy commencing on or before 31 December 2024. The 15% discount applies to your first year's premium and every subsequent year's premium. The discount applies automatically, so you don't need to reference a promo code or specifically request the discount. Individuals and families will receive the discount, but customers in the United Kingdom, Hong Kong, and the UAE are not eligible.

Our experience with William Russell has been top-notch. In over 10 years with your company, we’ve always been pleasantly surprised with the service we receive, so thanks once again.

L.B., Malawi

Member with William Russell

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I would like to take the opportunity to thank you personally for the good work you and your team have carried out in handling our claims. We have found your personal intervention to be of great assistance and would like to commend your company.

R.F., UAE

Member with William Russell

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Thank you so much - you have put our minds at rest. I very much appreciate the personal touch to your service - this is very rare with insurers and is exactly why we deal with William Russell.

A.K., Indonesia

Member with William Russell

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We're discounting our health insurance

OFF

Get a 15% lifetime discount when you buy a new health insurance policy starting on or before 31 December 2024.

*T&Cs apply.

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Our international health insurance is excellent for ambitious, solo expats or couples looking for a better life or exciting work opportunities abroad.

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Expat individuals & professionals

Raising children abroad can be a safe, rewarding, and memorable experience. We also offer discounts to families insuring two or more children.

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Couples planning a family & established families

If more than 50% of your workforce are expats, we can cover your employees under a single policy. We can tailor a health plan for all or just a certain category of employees.

Learn more >

Businesses & employers

The right health insurance policy depends on your circumstances. Perhaps you're a young professional jetting off to Australia for a two-year work assignment, or you're relocating your family permanently to South East Asia. Whatever your situation, we have a health insurance policy for you.

William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.

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William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.

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A quick message from our founder, Inez Cooper

What's the main problem with insurance? 
You just don't know if your insurance company will pay up when you make a claim.

With big insurance companies, what happens if you fall through the cracks? Sometimes a company has too many customers. They don't have the time to give an individual customer the time they need.

But with a small insurance company, can you be sure that they have resources to pay your claim if something really bad happens?

This dilemma is why I founded William Russell, 30 years ago. I wanted to build a medium-sized company that hired good people and focused on customer service, but with the financial security of a respected insurer behind the policies.

That's William Russell today: a company with wonderful customer service and insurance policies backed by Allianz.

In the past 30 years, we've provided insurance to expats in 160+ countries and I'd love to help you too. Give us a try and, if you don't like us for any reason, you can cancel within 30 days.

Inez Cooper
Founder & Managing Director

No. The promotion isn't available for policies in the United Kingdom or Hong Kong. In the UAE, we have a 16% lifetime discount for new individual members. There's a 20% lifetime discount in Cambodia, Laos, Malaysia, Myanmar, the Philippines, Vietnam, China, Japan, Macao, Mauritius, Malawi, Botswana, Chile, Costa Rica, and India. 

Q. Is the promotion available in all countries?

Q. Where can I see full T&Cs for the promotion?

The T&Cs are available on our website.

Q. I've not heard of William Russell. Should I trust you?

True, we're one of the smaller expat insurance providers. But we've been in business for 30 years. Our policies are insured by Allianz, one of the largest financial service companies in the world. We're regulated by the FCA in the United Kingdom and FSMA in Belgium, and we adhere to strict data protection protocols (ISO 27001 certified).

Frequently asked questions

How the discount works

4.4/5

from 1,200+ members

But it's not all about money.

Our health insurance comes with great benefits

Cover up to US$5m

With the Gold plan, customers can claim up to US$5,000,000 per year in medical treatment. More than enough to cover the most serious illnesses.

With over 40,000 hospitals & clinics in our global network, you'll get the best medical care from great doctors wherever you live.

Great hospitals & doctors

Hospital costs included

On all our plans, you have full cover for hospital treatment. That includes accommodation, fees for doctors, surgeons & anaesthetists, nursing care, diagnostic tests, and physiotherapy.

Accident & emergency cover

If you suffer an accident we cover you for emergency room treatment. We'll also pay for an air or road ambulance to get you to hospital. 

We cover cancer treatment in full, including chemotherapy, immunotherapy, genome testing, and post-diagnosis counselling.

Full cover for cancer care

On the Silver and Gold plans, you have full cover for visits to the doctor, specialist consultations, and physiotherapy.

Doctor visits

When you're admitted for hospital treatment, we sort out everything (including bills) with the hospital. You won't be out-of-pocket for expensive medical treatment

We settle your bills with the hospital

Emergency medical evacuation

If the treatment you need for a life- or limb-threatening condition isn't available locally, we'll evacuate you to someplace where it is.

Our health policies are designed to be international. You're covered for life, work and travel abroad.

International cover

Who we cover

What our members say about us