Consolidated Financial Consultants is an insurance intermediary and William Russell Europe SRL is a provider of insurance on behalf of an insurance company. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels. 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. 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. Deemed authorised & regulated by the Financial Conduct Authority (FCA), reference no. 847808. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314. William Russell Ltd is registered in England & Wales at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.

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Expats in The Philippines

Say  kumusta  to expat health insurance with delightful customer service.

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Consolidated Financial Consultants is an insurance intermediary and William Russell Europe SRL is a provider of insurance on behalf of an insurance company. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels. 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. 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. Deemed authorised & regulated by the Financial Conduct Authority (FCA), reference no. 847808. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314. William Russell Ltd is registered in England & Wales at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.

Purchase insurance with William Russell and join thousands of expats in The Philippines enjoying, 
95% of whom renew each year. That's pretty good for an insurance provider. 
We think you'll love it. And if you don't, you'll get your money back!

Enjoy health insurance with delightful customer service!

Get a free quote in 2 minutes

© William Russell Europe SRL, | Privacy | Legal

from 965 customers

But it's not all about customer service.

Our health insurance comes with great benefits.

True, we're one of the smaller expat insurance providers. But we've been in business for 30 years. Our plans 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).

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

Q. Won't the time difference cause problems?

True, The Philippines is a long way from UK (where our advisers are based). Our helplines are open 24/7, so we're always there to help you. We also have excellent relationships with the top hospitals and doctors in The Philippines.

Q. Do you insure people of all nationalities?

Yes. We can insure everyone (as long as you're not on a UN sanctions list)!

Q. Is your health insurance expensive?

We're not the cheapest provider on the market, but we're far from the most expensive. A lot of providers offer cheaper premiums in your first and second years, before hiking up your premium in your third year. We prefer a more consistent approach, and we have a reputation for fair premium increases each year.

Q. What happens if I want to cancel?

If you don't like your plan or you change your mind about us, you have 30 days to cancel your plan for a full refund.

Q. What do you mean 'no call centres'?

It means we don't outsource our customer service to a call centre in India. All our staff work from our office just outside London.

Frequently asked questions

Join thousands of expats in The Philippines

A quick message from our founder, Inez Cooper

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

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

But with a small insurer, 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 never wanted my company to become an insurance company. I wanted to create a small, customer service machine powered by real people, but with the financial security of a huge insurer behind the plans I provided.

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

Give us a try

In the past 30 years, we've provided insurance to expats in 160+ countries and I'd love to help you too.

24-hour emergency
helpline.

What happens if you need medical treatment on a desert island? What happens if I have a medical emergency in the middle of the night? We have a 24-hour helpline that's available 365 days of the year. Wherever or whenever you need help, you'll get it from us.

So, why do they like us so much?

Get your own dedicated adviser.

It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their plan. That's because we employ more advisers per customer than any other expat insurance provider.

Real people to help you. Not robots.

We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. And when you call us, you'll get straight through to a real person who can help you with your insurance plan.

Here's what our customers say about us

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.,
Member with William Russell

Family Image

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.
Member with William Russell

Family Image

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.
Member with William Russell

Family Image

My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.

E.B.,
Member with William Russell

Family Image

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.
Member with William Russell

Family Image

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.,
Member with William Russell

Family Image

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.
Member with William Russell

Family Image

My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.

E.B.,
Member with William Russell

Family Image
Family Image

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.,
Member with William Russell

My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.

E.B.,
Member with William Russell

Family Image
Family Image

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.
Member with William Russell

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.
Member with William Russell

Family Image

4.4/5

Member reviews

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-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

Say  kumusta  to expat health insurance with delightful 
customer service.

Purchase insurance with William Russell and join thousands of expats in The Philippines enjoying, 95% of whom renew each year. That's pretty good for an insurance provider. We think you'll love it. And if you don't, you'll get your money back!

Here's what our customers say about us

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.,
Member with William Russell

Family Image

My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.

E.B.,
Member with William Russell

Family Image

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.
Member with William Russell

Family Image
Family Image

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.
Member with William Russell

So, why do they like us so much?

Get your own dedicated adviser.

It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their plan. That's because we employ more advisers per customer than any other expat insurance provider.

Real people to help you. Not robots.

We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. And when you call us, you'll get straight through to a real person who can help you with your insurance plan.

24-hour emergency
helpline.

What happens if you need medical treatment on a desert island? What happens if I have a medical emergency in the middle of the night? We have a 24-hour helpline that's available 365 days of the year. Wherever or whenever you need help, you'll get it from us.