Your Global Health premiums

The premiums shown below apply per person for a period of one year.

Choose your currency

You may pay your Global Health premiums in Sterling, US Dollars or Euros. Whichever currency you choose will be the currency that will apply to your cover.

Choose your area of cover

Your Global Health Elite premium will depend whether or not you require cover in the United States of America.

Please note that William Russell cannot cover you if you actually live in the USA.

Area One cover – world-wide cover excluding the USA  - Area One will give you world-wide cover, excluding the United States of America. There are two sets of rates for Area One cover. If you live in China, Hong Kong, Macau, Taiwan, Japan or Singapore you must pay the Orchid rate. If you live outside these countries, the Standard rate will apply.

The next two areas give you the option to include cover for treatment you receive during temporary trips to the United States of America. These two options are also available to you if you live in China, Hong Kong, Macau, Taiwan, Japan or Singapore.–

Area Two cover – world-wide cover

World-wide, with cover in the USA restricted to temporary trips of not more than 45 days duration, and limited to US$50,000 per year.

Area Three cover – world-wide cover

World-wide, with cover in the USA restricted to temporary trips of not more than 90 days duration, and limited to US$200,000 per year

Choose the plan you require

There are four plans to choose from and you can see at a glance the benefits provided by each plan.

Choose your excess

The excess is the amount you will pay in the event of any claim you may make. William Russell illustrate a selection of excess options for each plan on the rates charts that follow. You can calculate additional excess options by applying the discount, as shown below, to the base rate for each plan - base rates are the premiums highlighted in bold.

Choosing a higher excess option

Significant reductions in premium are available if you choose to INCREASE your excess.

Child premium discounts for families insuring more than one child

If you have more than one child, this discount will really save you money. The premium for the first child you insure will be the full child premium rate. For the second child you will receive a 25% discount, and for the third child onwards you will receive a 50% discount. These calculations have been included in the rates charts

Discounts for annual premiums

You will enjoy a 5% discount if you pay your premiums annually. These calculations have been included in the rates charts.SEMI-PRIVATE ROOM DISCOUNTIf you live in Hong Kong or Singapore and you pay the Orchid rates, and you are prepared to have your hospital treatment in a semi-private room, you can achieve the following premium discounts:

Global Health Elite BRONZE Sterling Premiums

The Bronze plan provides comprehensive cover for in-patient and day-case treatment and specialist out-patient treatment following an in-patient stay. The Bronze plan also provides cover for emergency medical evacuation.

Global Health Elite SILVER Sterling Premiums

The Silver plan provides comprehensive cover for hospital treatment and a wide range of out-patient treatment and benefits including cover for certain preventive health checks, and cover for emergency medical evacuation

Global Health Elite GOLD Sterling Premiums

The Gold plan provides comprehensive cover for hospital treatment and a wide range of out-patient treatments including cover for certain preventive health checks, routine dental treatment and cover for emergency medical evacuation. The Gold plan also offers cover for routine maternity care after a 12 month waiting period.

Global Health Elite PLATINUM Sterling Premiums

The Platinum plan provides comprehensive cover for hospital treatment and a wide range of out-patient treatment and benefits including cover for certain preventive health checks, routine and complex dental treatment, and cover for emergency medical evacuation. It also provides a high level of cover for maternity care expenses after 12 months cover. A nil excess option is available and the premiums for this are illustrated below.

Global Accident Plan Premiums

The Global Accident plan pays a cash lump sum to your dependants if you die, or are seriously injured as the result of an accident. The benefit you select is paid if you suffer an accident which results in death, or the loss of one or both eyes, or loss of, or permanent loss of use of one or more limbs, or become permanently and totally disabled.

Global Travel Plan Premiums

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. A full list of the benefits provided is enclosed with the Global Health Elite plan brochure.

How to pay your premiums

By direct debit

If you pay your premiums in sterling, you can pay by direct debit from a UK bank account.

By credit or debit card

Whichever currency you pay your premiums in you may use MasterCard, VISA, American Express,Switch, Domestic Maestro, Delta or Solo. If you pay monthly premiums you must pay by credit or debit card or by direct debit.

By banker's draft, cheque or by bank transfer (annual premiums only)

You can pay your premiums annually by banker's draft, cheque drawn on a UK account or by transferring your premium direct to William Russells account:-

National Westminster Bank plc.,
P O Box 358, 1, High street, Woking, Surrey, GU21 1BE, England
Account name: William Russell Limited IBA
Sort code: 60-24-20
Swift code: NWBK GB 2L

Sterling transfers: Account No: 16213378 IBAN: GB74 NWBK 6024 2016 2133 78
US Dollar transfers: Account No: 140/08782555 IBAN: GB23 NWBK 6073 0108 7825 55
Euro transfers: Account No: 550/00/11500085 IBAN: GB26 NWBK 6072 0611 5000 85

Completing your application form

You can down-load an application form here.


Obtaining a personal quotation

You may obtain a personal quotation by contacting us. If you would like one of our staff to call you back to go through the plans and the various options, please contact us by e-mail with your telephone number and a convenient time for us to call you and we will be delighted to call you back.