William Russell Health Insurance Review

  1. Essential Care.
  • The cheapest option, starting from $66.99 a month.
  • $250,000 annual limit.
  • In-patient coverage.
  • $2,500 post-hospital out-patient coverage.
  • Full cancer coverage.
  • This option merely protects you for the basics conditions, such as serious and life threatening illnesses.
  • From $102.03 a month
  • $500,000 annual coverage limits
  • $10,000 outpatient coverage
  • Also a relatively basic option.
  • $1,500,000 of annual coverage.
  • Worldwide coverage excluding the US.
  • Full cancer coverage.
  • From $88.40 a month.
  • Similarly to the Essential Care plans, this is a fairly basic plan.
  • $2,500,000 of annual coverage.
  • From $152.91 a month.
  • Worldwide coverage excluding the US.
  • Full inpatient and outpatient coverage.
  • $300 wellness coverage after 6 months waiting period.
  • $200 well-child benefit after 12-month waiting period.
  • $15,000 per year for complications of pregnancy coverage after 12-month waiting period.
  • Possibility to add dental coverage with a 6-month waiting period.
  • You can also add complex dental coverage with a 12-month waiting period.
  • This is a more extensive option, but becomes expensive for older applicants.
  • $5,000,000 annual limit, the most extensive plan.
  • From $249.46 a month.
  • Worldwide coverage excluding US.
  • Full inpatient and outpatient coverage.
  • $750 wellness coverage after 6 months waiting period.
  • $400 well-child benefit after 12-month waiting period.
  • $15,000 routine maternity care and childbirth coverage after 12 months.
  • Full complications of pregnancy coverage after 12-month waiting period.
  • $1,500 routine dental after 6 months waiting period.
  • 3–9 employeees.
  • 10–39 employees.
  • 40+employees.
  • Protect up to 75% of your income with a $144,000 annual limit.
  • Pick a 3 or 6 month deferred period, meaning how long it takes for the benefit to be paid.
  • You can apply up to the age of 55. If you already have coverage in place, you can stay covered until 70.
  • From $88 a month.
  • Portable to most countries if you move as an expat, but exceptions apply.
  • It is available to groups and individuals.
  • Cover up to 20x your annual income, with $2m being the maximum coverage-level
  • Euro, USD and Pounds all available for paying and receiving benefits.
  • You can link the life cover to a terminal illness, meaning you are paid out if you are diagnosed with an illness where you will die in 12 months.
  • No medicals are usually required for the under 50s, if the coverage level is $750,000 or below, but exceptions exist.
  • They do offer monthly, quarterly and annual payment options. This isn’t unique in the market but some insurers only have annual premiums.
  • They have discounts for families on family plans.
  • The income-protection benefit is reasonably priced, as is the life insurance.
  • There are many added services, like dental care.
  • The premiums aren’t that cheap considering the quality of the coverage. This is especially the case for the health coverage.
  • They do refuse people with pre-existing conditions. In other words, rather than just excluding those conditions, they sometimes reject whole applications, especially for older people. They don’t reject all people who have such conditions, though. It is done on a case-by-case basis.
  • They can’t accept local clients that want expat-level coverage.
  • Their forms and processes aren’t that bureaucratic, but there are other insurance companies that utilize technology in a more productive way.
  • The life insurance isn’t term cover, it is renewed yearly, so the premiums can be hiked every year in some cases.

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