Global Insurance for Expatriates and International Citizens

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1 Global Insurance for Expatriates and International Citizens

2 Peace of mind for life overseas Life as an expat is full of adventure and exciting opportunities Making the most of it is easier knowing that you and your family s future is secure. With 23 years of experience in providing international insurance, William Russell offers a high degree of protection wherever you are in the world, backed up by unrivalled personal service. 2 Global insurance for expatriates and international citizens T: william-russell.com 3

3 Wherever you are, you re never on your own with William Russell. As a family-owned company which understands expatriate life and international living, we re always there to protect our customers and provide assistance when it really matters. We care about people Our customers are at the heart of everything we do. Your health and well-being are important to us and our main priority is to provide the financial protection you need, efficiently and without delay. Stellar customer service Our reputation is founded on our consistently high standards of service and care. When you contact us, you will get straight through to one of our insurance professionals. You won t have to deal with an impersonal call-centre. Looking after you in every way Flexible cover to suit your needs With a wide selection of insurance plans and optional benefits, you can select the degree of protection that matches your requirements and budget. Straightforward enrolment You can apply online or you can download and complete an application form. Most customers can have cover in force within 24 hours. Cover that s easy to understand We make our documents easy to understand, and we are always available to answer any questions you may have. Efficient claims process The real test of any insurance plan is when you need to make a claim. William Russell has built a reputation for claims excellence, reflected in our high customer satisfaction rate and our high settlement rate of all claims we receive. You can call our specialist claims advisers in confidence and rely on them to make the process simple and painless. Claims for ongoing treatment are usually dealt with by the same person, so you will get to know and trust the person responsible for your claim. Financial strength and security The Global Health, Life and Income Protection plans are underwritten by the Allianz group, a global leader in insurance and a Fortune 500 company. I am most impressed with the service provided by William Russell, especially at such short notice. It certainly makes things easier, and more importantly puts one s mind at rest. EW, China 4 Global insurance for expatriates and international citizens T: william-russell.com 5

4 Enjoy protection across borders with the Global Health plan range A Global Health plan from William Russell can be a true life-saver, protecting the health, well-being and financial security of your family in times of illness or injury. Our plans are flexible, easy to apply for, and come with a 30-day money back guarantee. Our Global Health Elite plan range Designed for expatriates and international citizens who require access to the best healthcare around the world, the Elite plans offer comprehensive cover that doesn t stop when you cross a border. Bronze Silver Gold To protect you against the major healthcare costs, our Bronze plan includes: Annual benefit limit of $1,500,000 Hospital treatment, including benefits for home nursing, rehabilitation, medical aids and devices Advanced diagnostic tests such as MRI and CAT scans Post-hospital follow-up consultations and tests Treatment for cancer International benefits such as emergency medical evacuation, 24/7 emergency medical assistance, and cover for compassionate home travel Our most popular plan, providing all the benefits of the Bronze plan, plus: Annual benefit limit of $2,500,000 Full cover for everyday medical care, including visits to the doctor, prescribed drugs, specialist consultations, treatment and tests Full cover for long-term conditions, such as diabetes and asthma, which you first suffer after starting your plan A well-being benefit covering you for vaccinations and the preventive health checks of your choice Well-child benefit An optional dental plan covering routine and complex dental treatment The Gold plan provides all the benefits of the Silver and Bronze plans, plus: Annual benefit limit of $4,500,000 Full cover for maternity complications, including emergency C-sections $10,000 of cover for routine maternity care $100,000 of cover for the treatment of newborns Routine dental benefits Enhanced well-being benefit Enhanced well-child benefit Optional dental plan covering complex dental treatment 6 Global insurance for expatriates and international citizens

5 I am very pleased with the way you all came to my aid and I look forward to a long relationship with William Russell. Your professionalism and concern for my daughter really was first class, thank you. LC, Philippines Our Global Health Essential plan range The Essential plans provide cost-effective, regional health cover that protects against all the major healthcare costs. The Essential plans are available for residents of Africa, Central & Southeast Asia (excluding Bali & Singapore), Latin America, the Middle & Near East (excluding the UAE), Eastern Europe (except EU countries), and the Indian Subcontinent. Optional plans The following benefits are available with both the Elite and the Essential plans: Essential Care Essential Care Plus Global Travel Plan If you re only looking to cover the major medical costs, the Essential Care plan provides: Annual benefit limit of $250,000 Full cover for in-patient and day-patient hospital treatment $2,500 of cover for post-hospital follow-up consultations and tests Cover for cancer treatment Full cover for emergency medical evacuation, with 24/7 emergency medical assistance Essential Care Plus provides all the benefits of Essential Care, with more extensive out-patient benefits: Annual benefit limit of $500,000 $10,000 of annual cover for everyday medical care, including visits to the doctor, prescribed drugs, specialist consultations, treatments and advanced diagnostics tests $1,000 cover for long-term conditions, such as diabetes and asthma, which you first suffer after starting your plan Provides global travel insurance protection for your personal belongings, as well as cover for travel delays, trip cancellations and curtailment. Global Personal Accident Plan Provides a lump-sum benefit if you die or if you lose your sight, a limb, or become totally and permanently disabled as a result of an accident. T: william-russell.com 9

6 Secure the future with a Global Protection plan Global Life A Global Life plan provides affordable life insurance cover to safeguard your family s financial future. Your death could leave your family or business financially vulnerable. Nothing can replace you, but money provided at the right time will ensure that your family will be financially secure without you. The Global Life plan will help provide that financial security for the people you leave behind. If you die as a result of illness or accident before you reach age 70, your plan will pay your family a lump-sum benefit. Additional accident benefit You may increase the amount of cover you have in repect of an accident by applying for the Global Accident plan. With this option, if you die as the result of an accident, your beneficiaries will receive your Global Life benefit plus the additional Global Accident benefit. If you survive an accident, but lose your sight, speech or hearing, or you suffer a permanent disability, the Global Accident benefit will be paid directly to you. Global Income Protection The Income Protection plan pays you a regular income if you become unable to work due to an illness or injury. For most of us, the financial security of our family is dependent upon our ability to work and earn a regular income. With advances in modern medicine, you are more likely to survive a serious illness than die from it, so income protection is now as important as life insurance, and an essential part of a well-balanced insurance portfolio. When you apply for an Income Protection plan, you choose the level of cover you would need to maintain your family s lifestyle if you were unable to work. If you suffer an illness or injury which prevents you from working for an extended period, your plan will provide you with a regular income for as long as your illness or injury prevents you from working, right up to age 65 if necessary. I have been super-impressed by your professional and sympathetic approach during this time and have been recommending you to many of my friends and colleagues as a result! The Global Protection plans are designed for expatriates and international citizens who wish to safeguard the financial future of their family or business. CB, Singapore 10 Global insurance for expatriates and international citizens T: william-russell.com 11

7 We re here to help William Russell is the leading independent provider of international health, life and income protection insurance. Over the last twenty-three years we have developed a range of world-class insurance products, each designed to provide protection for expatriate life and international living. As a family-owned company, we are renowned for our fairness, honesty and outstanding personal service. We operate throughout the world, protecting expatriates and their families, international citizens, global corporations and SME businesses, and high-net-worth individuals. For more information call us on or visit william-russell.com William Russell Limited William Russell House, The Square, Lightwater, Surrey, GU18 5SS United Kingdom T: F: E: sales@william-russell.com william-russell.com William Russell Limited is authorised and regulated by the Financial Conduct Authority. Reference number ANS/2015/corp_brochure/