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Global Healthcare Plans
2008
International Medical Insurance Healthcare For Expatriates
BECAUSE YOU VALUE YOUR HEALTH
Living abroad is both exciting and challenging. Whether
you’re a seasoned expatriate or about to embark on a new life adventure, you’ll
understand that insuring your health is top priority. Medical treatment is
expensive, wherever you are in the world. Local private medical insurance plans
can leave you vulnerable, especially if you travel out of your country of
residence. In addition, you can no longer rely on inadequate national health
provisions to meet your needs in the event of illness or injury.Being thousands
of miles away from home, sometimes coping with a foreign language and alien
customs, means you and your family need international health insurance you can
trust, for your own well-being and peace of mind.
BECAUSE WILLIAM RUSSELL VALUE YOU
William Russell has created the Global Health Elite range of plans with the
needs of expatriates in mind. You can choose from four plans – Bronze, Silver,
Gold and Platinum. All offer comprehensive cover for hospitalisation and
emergency evacuation as standard, both in your country of residence and for all
travel within your area of cover.Some of the key advantages you can expect from
William Russell’s Global Health Elite plans:–
Affordable family cover
With our roots as a family company, we understand the importance of providing
security for your family. That’s why we offer discounts of up to 50% when you
insure more than one child, making William Russell one of the most competitive
providers of international family health insurance in the marketplace.
Reduced premiums
A range of excess options means you can reduce your premium even further by
increasing the excess you pay in respect of a claim. A nil excess option is also
available under our Platinum plan, if you do not wish to be out of pocket.
Prompt and responsive claim settlement
We will settle your claims efficiently, swiftly and sympathetically. We make
payment direct to the hospital, or direct to your bank account.
Offices in the United Kingdom ,Malaysia and Hong Kong
We’re always available on the telephone to answer queries. Call either our UK ,
Malaysia or
Hong Kong office to suit your working hours.
24 hour multi-lingual Medical Assistance Help-line
You will have access to our 24 hour Medical Assistance Help-line where qualified
medical professionals will assist you with locating medical care and arrange
admission to hospital in an emergency.
William Russell, a name you can trust
William Russell has been providing international health insurance for
expatriates of all nationalities since 1992. Taking care of expatriates is our
core business. It’s what we know, and we pride ourselves on our expert knowledge
and experience in this field.Our Global Health Elite plans are underwritten by
Hauteville Insurance Company Limited, a wholly owned subsidiary of AGF, part of
the Allianz Insurance Group. You will have the financial security of a large
insurance group, but the high standard of personal, award-winning service only a
specialist company can provide.
Helping you choose the right cover
There’s a health insurance solution for everyone within our Global Health Elite
plan range.
Our top of the range Platinum plan provides the widest cover possible with
high-value benefit for maternity care, routine and complex dental treatment,
regular preventive health screening, and an exceptionally high amount of cover
for the treatment of chronic conditions.
Mid-range there’s our Silver plan with comprehensive in and out-patient cover,
and the Gold plan, which also includes cover for maternity and routine dental
care.
Our Bronze plan gives you all the in-patient cover you will need, but by
limiting out-patient treatment to post hospital care only, we have kept premiums
to a minimum.
See at a glance the benefits provided by each Global Health Elite plan in the
chart below.
For a more in-depth look at the benefits, please refer to the
tables.
CHOOSE YOUR AREA OF COVER
Our Global Health Elite plans enable you to choose between having world-wide
cover,and cover that excludes the United States of America.Our Standard and
Orchid premiums exclude cover in the United States of America, so you are free
to have your medical treatment anywhere in the world outside the USA.
ADD USA COVER
Pay the World-wide premium rate and you will enjoy up to $50,000 of cover during
temporary trips to the USA. A temporary trip is a trip of up to 45 days
duration.
Higher cover for longer trips is also available. Please contact us for more
details.
WORLD-WIDE TRAVEL COVER
If you travel, relax, you’re automatically covered for medical expenses and
evacuation costs by your Global Health Elite plan*. If you take our Global
Travel plan option, you’ll also benefit from all the usual cancellation, baggage
and other benefits you’d expect from an annual travel insurance plan.
AND PERSONAL ACCIDENT BENEFIT TOO
This optional benefit pays a substantial lump sum of up to $375,000 if you are
involved in an accident which causes a serious permanent injury, disability or
even death - all for a small monthly payment.
William Russell
Benefits Chart
OPTIONAL PLANS
GLOBAL TRAVEL PLAN
The Global Travel plan provides cover for your baggage and personal effects and
other travel insurance benefits during trips of up to 120 days outside your
country of residence, and within your country of residence when your trip is
pre-booked and involves at least two nights paid accommodation. The following
benefits automatically apply during each trip taken. * An excess of $68
applies in respect of these benefits. This benefits schedule must be read in
conjunction with the Travel plan rules.
GLOBAL ACCIDENT
PLAN
The Global Accident Plan gives world wide financial protection against a
debilitating or fatal accident. The benefit is paid as a lump sum in the event
of an accident which results in:• DEATH, OR• LOSS OF ONE OR BOTH EYES, OR• LOSS
OF, OR PERMANENT LOSS OF USE OF, ONE OR MORE LIMBS, OR• PERMANENT TOTAL
DISABLEMENT.
PAYING YOUR
PREMIUMS
You may pay your premiums monthly or annually (with a 5% premium discount) and
in the currency of your choice - UK Sterling, US Dollars or Euros.
30-DAY MONEY BACK GUARANTEE
Your Global Health Elite plan comes with a 30-day money back guarantee. If you
are not entirely satisfied with your Global Health Elite plan, tell us within
the first 30 days of your cover. We will refund you the premium you have paid to
us, and cancel your cover from inception, provided you have made no claim.
Discover for yourself the exceptional standards
of professionalism, commitment and personal care.
IMPORTANT INFORMATION
Pre-existing conditions William Russell do not pay for
treatment that relates to a pre-existing medical condition. A pre-existing
condition is a condition that has required treatment, medication or advice, or
where the symptoms began, prior to your Global Health Elite plan commencement
date.
Your duty to disclose details of your medical history
It is very important that you disclose full details about your medical history
on your application form. William Russell can then
advise you if there will be any additional exclusions in respect of your cover.
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