Essential Health Plans 2017 Affordable International Regional Health Insurance
William Russell is a leading independent, one-stop provider of affordable, international health insurance To us, you re a customer, not a potential claimant or a policy number. From your first contact with William Russell, you ll deal with a named advisor, each one an expert in a dedicated team. We know the importance of having someone who understands your policy, needs, and circumstances at the other end of the line, 24 hours a day. Our ethos is to provide our customers with personal support when they need it. This is the William Russell difference. Regional cover for your essential international medical costs Our Essential plans provide international citizens with access to private healthcare at an affordable premium. Global healthcare cover from a world-class provider. 2 Global insurance for international citizens T: +44 1276 486477 william-russell.com 3
With an Essential plan, you re covered for all the significant costs of hospital care. The Essential Care Plus plan also offers a generous amount of out-patient treatment cover. Affordable essential cover Affordability without compromise We are proud of our reputation for fair historic pricing in response to global inflation of health costs. Historically, we ve always kept our premiums as low as possible. Emergency medical evacuation cover and 24/7 medical assistance All Global Health customers can rely on our 24/7 medical assistance helpline. If medically necessary, an air ambulance will be sent to transport you to a hospital in another country where you can get the care you need. Fast, fair and jargon-free We deal with your queries quickly and fairly, and we communicate in clear, simple language. And we don t believe in hiding behind small print. Cover for terrorist attacks Provided you are an innocent bystander, and you are not in a location that the British Foreign & Commonwealth Office has advised its citizens to leave, you ll be covered in the event of a terrorist attack. Access to hospitals in your region As a leading provider of international health insurance, you are free to choose where in the world to seek treatment, subject to any conditions that apply. If you need to be admitted, we will deal directly with the hospital. We look after you throughout your life Join before age 70 and we ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim. It s easy to apply We make it easy for you to find the right health, life and income cover. Whether online, by phone or through a broker, you ll find us easy to deal with. Customers can have cover in place within 24 hours. Straightforward claims process Simply scan your bills and claim form, then email everything back to us. We ll acknowledge your claim straight away and let you know which claims adviser will be taking care of you. We re not here to catch you out or look for loopholes. We make every effort to settle claims within 5 working days, and usually we ll settle within 3 days. You can call us at any time if you have any questions, and you ll find our claims teams helpful and efficient. The security behind your cover The Essential plans are underwritten by Allianz Benelux NV, part of the Allianz group, a global leader in insurance and a Fortune 500 company. Wherever you are in the world, you re safe. 30-day money back guarantee If you re unhappy with anything at all, we ll refund your premium under our 30-day money back guarantee, provided you have not made a claim. 4 Global insurance for international citizens T: +44 1276 486477 william-russell.com 5
The benefits of Essential at a glance Our Essential plans offer an affordable degree of regional cover for global citizens. If you wish to cover only the major medical costs, the Essential Care plan covers: Treatment you receive when you are admitted to hospital. $2,500 of cover for post-hospital follow-up consultations and tests. Treatment for cancer, including genome testing of malignant tumours. Cover for reconstructive surgery, subject to conditions. Organ, bone marrow and tissue transplants. Cover for treatment of HIV & AIDS. Essential Care Plus offers all the benefits of Essential Care, with more extensive out-patient benefits: $10,000 of annual cover for everyday medical care, including visits to the doctor, prescribed drugs, specialist treatments and advanced diagnostics tests. Essential Care US$250,000 annual benefit limit Essential Care Plus US$500,000 annual benefit limit $1,000 of cover for the everyday care of long-term conditions such as diabetes and asthma. Cover for emergency-ward treatment. Cover for physiotherapy sessions, subject to conditions. $5,000 annual cover for complications experienced during pregnancy (after a 10-month waiting period). For full details of all our plans, please visit us online or consult the relevant plan agreement. 6 Global insurance for international citizens T: +44 1276 486477 william-russell.com 7
The Essential Table of Benefits Essential Care Essential Care Plus Annual benefit limit The overall maximum limit that each insured person can claim during any one period of cover. US$250,000 US$500,000 Hospital costs Hospital accommodation, treatment costs (in-patient or day-patient) & parent accommodation charges. Full cover Full cover Road ambulance. Up to US$1,200 Up to US$1,600 In-patient emergency restorative dental treatment following an accident. Up to US$5,000 Up to US$10,000 Cancer treatment In-patient and day-patient cancer treatment (including chemotherapy and radiotherapy). Full cover Full cover Out-patient consultations, tests, and scans. Cover for a maximum period of 5 years from the later date of the surgery or the completion of chemotherapy or radiotherapy Full cover Genome sequencing & tests of cancerous tumours. Up to US$2,000 Up to US$2,000 Reconstructive surgery Surgery to restore your appearance after an accident, or after surgery for breast cancer. Cover for in-patient, day-patient & post-hospital treatment Full cover Organ, bone marrow or tissue transplants Costs incurred whilst hospitalised, and all related out-patient treatment required prior to and after the transplant. Full cover Full cover Donor costs. Up to US$25,000 per transplant Up to US$25,000 per transplant Kidney dialysis Short-term kidney dialysis of up to 4 weeks. Full cover Full cover Everyday medical costs Annual out-patient treatment benefit limit. US$2,500 US$10,000 Emergency ward treatment. Not covered Full cover (Up to above limit of US$10,000) Out-patient surgical procedures. Full cover (Up to above limit of $2,500) Full cover (Up to above limit of US$10,000) GP & specialist consultations. Cover for post-hospital treatment (Up to above limit of US$2,500) Advanced diagnostic tests, such as MRI, CAT (CT), and PET scans. Cover for post-hospital treatment (Up to above limit of US$2,500) Full cover (Up to above limit of US$10,000) Full cover (Up to above limit of US$10,000) Physiotherapy. Cover for post-hospital treatment up to US$250 Up to US$1,000 HIV/AIDS treatment Treatment for up to 5 years (24-month waiting period). Up to US$1,000 Up to US$2,500 Terminal illnesses The palliative care of a medical condition. Lifetime limit US$25,000 Lifetime limit US$50,000 Medical appliances Surgically implanted artificial body parts needed as a vital part of an operation. Full cover Full cover Complications of pregnancy In-patient and day-patient complications of pregnancy (10-month waiting period). Not covered Up to US$5,000 Key Full cover within annual plan benefit limit Partial or limited cover Not covered 8 Global insurance for international citizens T: +44 1276 486477 william-russell.com 9
Continued. Essential Care Essential Care Plus Expat benefits Medevac, return economy airfare & travelling expenses of a companion. Full cover Full cover Repatriation of mortal remains. Up to US$5,000 Up to US$10,000 Burial or cremation. Up to US$1,600 Up to US$1,600 Congenital abnormalities or hereditary conditions Treatment for a congenital abnormality discovered after the start of your plan. Cover for in-patient, day-patient & post-hospital treatment within the annual out-patient treatment benefit limit up to a lifetime limit of US$20,000 Cover for in-patient, day-patient & post-hospital treatment within the annual out-patient treatment benefit limit up to a lifetime limit of US$40,000 Chronic conditions Acute flare-ups (cover for acute exacerbation of a chronic condition). Cover for in-patient, day-patient & post-hospital treatment within the annual out-patient treatment benefit limit Cover for in-patient, day-patient & post-hospital treatment within the annual out-patient treatment benefit limit Regular monitoring and maintenance (consultations, tests, and prescribed medication required to monitor and maintain the stability of a chronic condition). Not covered Up to $1,000 within the annual out-patient treatment benefit limit The limits above are annual unless stated otherwise. The plans do not cover pre-existing medical conditions, unless we agree otherwise. For full details on all our plans, please consult the plan agreement. Additional cover options are available - contact us for more information. 10 Global insurance for international citizens T: +44 1276 486477 william-russell.com 11
Where you will be covered Regions where you are eligible for an Essential plan The Essential plans are available to residents of the following regions:- African continent Central & Southeast Asia (apart from Bali & Singapore) Latin America Middle & Near East (apart from the UAE) Indian Subcontinent Eastern Europe (except EU countries) Within these regions, you are free to choose where you receive your medical treatment. You ll enjoy the protection of accident & emergency cover when you travel If you travel outside the regions covered by your Essential plan (listed above), you will have $50,000 of cover if you have an accident or if you need unforeseen emergency treatment for an illness. However, we do not provide cover at all in the USA, Canada, the Caribbean, or hospitals in the London area. If you require worldwide healthcare cover If you live in a country where the Essential plans are not available, or you require the freedom to travel internationally to have your treatment, please consider our Elite plan range, which offers worldwide cover and more comprehensive benefits. Using an excess to reduce your premiums The excess (also known as a deductible) is the amount you contribute to the cost of a claim. Your Essential plan can have a nil excess, or you can chose one of the following excess options to reduce your premiums. $50 per claim $100 per claim $250 per annum Optional plans available with your Essential plan For a little extra, you can add a Global Travel plan which will cover your baggage and personal effects during holidays and business trips, and give you valuable cover if you are forced to cancel or cut short a trip. You can also buy a Global Personal Accident plan, which pays a lump-sum benefit if you are killed in an accident, or you suffer a permanent disability as the result of an accident. Adding life insurance and income protection insurance We built our reputation on being a one-stop-shop for international insurance. For comprehensive life cover, we offer our Global Life plan, designed specifically for international living. If you wish to insure your income against the possibility of your inability to work due to illness or injury, our Global Income Protection plan will do just that. It will pay you a regular benefit whilst you are too sick to work. When you need group cover Our group plans give you the flexibility to tailor coverage according to your particular needs. You can set up group cover on any scheme of three or more employees. If you want to provide enhanced cover, you can add on packages such as Dental basic or Dental plus, take advantage of various Maternity add-ons, or add Optical cover. To help you make savings, we offer generous groups discounts depending on the size of your group and the underwriting options. Talk to our sales team to discuss the range of underwriting and other options available. 12 Global insurance for international citizens T: +44 1276 486477 william-russell.com 13
We re here to help William Russell is a leading independent provider of international health, life and income protection insurance. Since 1992 we have specialised in providing protection for our international customers all over the world, and with customers in over 160 countries we really do understand your needs. To us, you re a customer, not a potential claimant or a policy number. From your first contact with William Russell, you ll deal with a named advisor, each one an expert within a dedicated team. We appreciate the importance of always being able to contact someone who understands your policy, your needs, and your circumstances. We truly are here to help. For more information call us on +44 1276 486477 or visit william-russell.com William Russell Limited William Russell House, The Square, Lightwater, Surrey, GU18 5SS United Kingdom T: +44 1276 486477 F: +44 1276 486466 E: sales@william-russell.com william-russell.com William Russell Limited is authorised and regulated by the Financial Conduct Authority. Reference number 309314. ANS/2017/essential brochure/v1