Frequently asked questions

Here you will find answers to some of our most frequently asked questions.

  • How do I register as a broker?

    Please visit our Register page. Once you’ve completed your information, one of our team will contact you with the application form and explain the process.

  • How do I make a claim?

    Please click here to visit our Claim section, where we will walk you through both how to make a claim and the steps involved in the process.

  • What countries are not covered under the Health, Life and Income Protection Plans?

    We have recently made changes to our excluded countries list for health, life and income protection.

    Please read below to see how this may affect your client’s renewals or writing new business with us.

    At present, the excluded and restricted list are the same for health and protection plans other than the USA, which is an excluded country on medical plans but a restricted country on our protection plans. Medical cover for temporary trips to the USA will continue to be an additional benefit on our global health plans.

    Health cover:

    Excluded countries:

    Iran, North Korea, Libya, South Sudan, Syria, Switzerland, Yemen and USA.

    We are unable to provide any cover for clients living in, or planning to move to, an Excluded country. If you have an existing client who moves to one of these countries their cover will cease.

    Restricted countries:

    Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal or Togo.

    We are unable to provide plans to clients where the policyholder is resident in a Restricted country.

    We can however cover members who are resident in one of these Restricted countries provided the policyholder is a resident in a country which is not an excluded or a Restricted country.

    For example, we could cover a dependant in Cameroon if the policyholder was resident in Nigeria.

    Existing clients who move to a Restricted country will able to continue to renew their policy.

    Life and Income protection:

    Excluded countries:

    Iran, North Korea, Libya, South Sudan, Syria, Switzerland and Yemen.

    We are unable to provide any cover for clients living in, or planning to move to, an Excluded country. If you have an existing client who moves to one of these countries their cover will cease.

    Restricted countries:

    Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal, Togo and USA.

    We are unable to provide plans to clients where the policyholder is resident in a Restricted country. We can however cover members who are resident in one of these Restricted countries provided the plan policyholder is resident in a country which is not an excluded or a restricted country.

    For example, if an employee on a group plan is resident in a Restricted country like Benin, but the company & therefore policyholder is in a country like China, which is not an Excluded or Restricted country, we can still provide cover.

    Existing clients who move to a Restricted country (this is excludes the USA) will be able to continue to renew their policy.

  • What are the age limits on each of the products?

    Applicants must be under age 70 when applying for international health insurance; under age 70 when applying for a global life insurance plan and under 56 when applying for an income protection plan.

    We can continue to renew plans for as long as cover is required for international health insurance; applicants can renew your global life insurance plan up to age 70 and applicants’ income protection plan will cease on their 65th birthday.

  • What are the benefit limits on each of the products?

    Global Health Elite:

    Bronze – US$1,500,000/£1,000,000/€1,125,000

    Silver – US$2,500,000/£1,666,000/€1,875,000

    Gold – US$5,000,000/£3,333,000/€3,750,000

    The above is the overall maximum limit that each insured person can claim during any one period of cover.

    Global Health Essential:

    Essential Care – US$250,000

    Essential Care Plus – US$500,000

    The above is the overall maximum limit that each insured person can claim during any one period of cover.

    Global Life: Applicants may apply for life cover of up to 20 times their current annual salary for individuals and up 5 times salary for business customers. The maximum amount they can insure is USD$2,o00,000.

    Global Protection: Applicants may apply for annual income cover of up to 75% of their annual salary, subject to a maximum amount of $144,000. The Protection plan will provide applicants with a regular monthly replacement income when an illness or injury prevents them from working for a continuous period of longer than three or six months

  • How do I apply for a policy?

    If you would like to apply for a new plan, please call one of our dedicated sales team members on +44 (0) 1276 486477 or email us at sales@william-russell.com.

    Our team would be delighted to help you.

  • Do you offer term life insurance?

    We do not offer term life insurance. Our Global Life plan is an annually renewable product. For more information please get in touch here.

  • How can I pay for a policy?

    If the premium is paid for annually, it can be paid by credit or debit card, bank transfer, or cheque.
    If the premiums are paid half-yearly, quarterly or monthly, they must be paid by credit or debit card, or, if paying in GBP Sterling from a UK bank account, this can be paid by direct debit.
    Our plans are available in US Dollars, Sterling and Euros.

  • Is a medical needed before buying a product?

    We will advise whether you need to undergo a medical examination and/or additional tests upon receipt of your application form. If you do need a medical, you can have this done locally with any doctor who holds western qualifications and can complete the report in English.

  • Does claim history affect the premium for the Health plan?

    The international health insurance plan will not cover a medical condition the policyholder has suffered from, or been treated for, before the plan commenced, unless full details of the condition have been disclosed, and we have agreed to cover it.

    Once the plan is in force, however, the policy holder’s personal claims and medical experience will not affect their renewal premiums.

  • Where do you offer Direct Billing?

    Please visit our medical network page for a full list of medical providers in our network.