These plans cover illnesses and injuries that require an overnight hospital stay (inpatient care) and also offer optional benefits for routine outpatient services, maternity, or dental care. Typical inpatient benefits include room and board, surgeries, treatments, hospitalization, and emergency evacuation. Your coverage is managed annually, meaning you pay a yearly premium that covers eligible expenses up to a set limit.

William Russell plans offer the flexibility of worldwide coverage or coverage limited to Southeast Asia.

Private health insurance is a for-profit service, so individuals with pre-existing conditions are seen as higher risk. Insurers assess this risk through medical underwriting and may exclude certain conditions, add a fee (loading), or offer coverage after a waiting period of about 2 years. For employer groups, policies that disregard individual medical histories may be available. William Russell is known for being more likely than many insurers to provide coverage for pre-existing conditions.

Premiums are set on an annual basis and may rise due to factors like the insurer’s past performance, medical inflation, and overall claims experience. William Russell uses a community rating model, meaning any changes affect all members equally, though factors such as age can lead to larger increases—especially if the insurer applies age bands with increases at 5-year intervals.

No. William Russell offers direct billing for inpatient services, so the insurer pays the hospital or clinic directly, eliminating the need for you to pay upfront.

Although the plans are managed on an annual basis, you can opt to pay in installments. For William Russell, installment fees are 5% for monthly payments, 3% for quarterly payments, and 3% for semi-annual payments.

Yes, William Russell offers group health insurance plans that allow employers to extend coverage to their employees. There are two options: one that requires full medical underwriting—where each individual’s medical history is reviewed—and another for larger groups that disregards individual medical histories (MHD), which is the only way to cover certain conditions. Employers can establish group plans with as few as 1 employee for full underwriting and 7 employees for the MHD option.