Insurance · Insurer

William Russell: four international health plans underwritten by AWP Health & Life, part of the Allianz group

International health insurance provider operating in the United Kingdom and Belgium, which designs and manages its policies as a delegated underwriter for AWP Health & Life, a company of the Allianz group. Four plans, from inpatient-only cover to comprehensive cover including maternity; policies must be taken out before an age limit, then renewed with no stated upper age limit.

Official website of William Russell

Please note

This comparison is an informative summary. Check the actual cover, exclusions and acceptance conditions in the policy documents and with the provider concerned. Terms of use and disclaimers

Characteristics

Type: Insurer
Type: Managing general agent
Risk carrier: AWP Health & Life SA (groupe Allianz)
Use: Long-term expat health
French scheme: No
CFE top-up: No
Medical questionnaire: Yes
Covers: Health · Hospital · Maternity · Dental and optical · Repatriation · Assistance
Settlement: Both
Regulator: Financial Conduct Authority (Royaume-Uni) ; FSMA (Belgique)
Currencies: USD · EUR · GBP
Home country: United Kingdom

For people living, working or studying outside their home country for an extended period. Areas of cover are selectable, from worldwide to a single region. The place of the United States in the areas of cover and cover in the home country are not described on the pages reviewed.

Contracts and plans

Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.

Bronze
Long-term expat health · Pages du site consultées le 1er novembre 2026
Risk carrier
AWP Health & Life SA (groupe Allianz)
Distributor / administrator
William Russell Europe SRL (souscripteur mandaté) ; William Russell Ltd
United States
Not verified
Home country
Being verified
Renewal
Renewable for life
Link with the CFE
First-euro cover
Direct billing
Partly
- Hospital : Yes
- Outpatient care : Partly
- Maternity : Partly
- Dental : Partly
- Optical : No
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Application before the age limit; medical questionnaire.
Pre-existing conditions : Medical underwriting based on a questionnaire; pre-existing conditions are generally not covered unless agreed.
Limits : Hospital plan; routine care only within a limited period following hospitalisation; pregnancy complications within their own limit; mental health with a lifetime cap.
- up to $1,500,000 Bronze and Silver Lite: annual coverage limitSame limit for the Bronze inpatient plan and for Silver Lite; amounts are shown in US dollars on the page; the comparison tool also displays amounts in euros and pounds sterling.william-russell.com · Verified on Nov 2, 2026
- less than 76 years Maximum age at subscription (must be under), renewal with no age limitAge requirement applies on the effective date; the policy can then be renewed with no stated age limit.william-russell.com · Verified on Nov 2, 2026
Contract documents · william-russell.com
Silver Lite
Long-term expat health · Pages du site consultées le 1er novembre 2026
Risk carrier
AWP Health & Life SA (groupe Allianz)
Distributor / administrator
William Russell Europe SRL (souscripteur mandaté) ; William Russell Ltd
United States
Not verified
Home country
Being verified
Renewal
Renewable for life
Link with the CFE
First-euro cover
Direct billing
Partly
- Hospital : Yes
- Outpatient care : Partly
- Maternity : Partly
- Dental : Partly
- Optical : No
- Mental health : No
- Evacuation and repatriation : Yes
Who for : Application before the age limit; medical questionnaire.
Pre-existing conditions : Medical underwriting based on a questionnaire; pre-existing conditions are generally not covered unless agreed.
Limits : Routine care within an annual cap that can be adjusted by option; monitoring of chronic illnesses; routine dental care as an option; no mental health cover according to the comparison site.
- up to $1,500,000 Bronze and Silver Lite: annual coverage limitSame limit for the Bronze inpatient plan and for Silver Lite; amounts are shown in US dollars on the page; the comparison tool also displays amounts in euros and pounds sterling.william-russell.com · Verified on Nov 2, 2026
- up to $10,000 Silver Lite: maximum limit for routine care (with option)Highest annual limit for routine care under Silver Lite, reached through an option; the base level is lower according to the comparison tool.william-russell.com · Verified on Nov 2, 2026
- less than 76 years Maximum age at subscription (must be under), renewal with no age limitAge requirement applies on the effective date; the policy can then be renewed with no stated age limit.william-russell.com · Verified on Nov 2, 2026
Contract documents · william-russell.com
Silver
Long-term expat health · Pages du site consultées le 1er novembre 2026
Risk carrier
AWP Health & Life SA (groupe Allianz)
Distributor / administrator
William Russell Europe SRL (souscripteur mandaté) ; William Russell Ltd
United States
Not verified
Home country
Being verified
Renewal
Renewable for life
Link with the CFE
First-euro cover
Direct billing
Partly
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Partly
- Dental : Partly
- Optical : No
- Mental health : Yes
- Evacuation and repatriation : Yes
Who for : Application before the age limit; medical questionnaire.
Pre-existing conditions : Medical underwriting based on a questionnaire; pre-existing conditions are generally not covered unless agreed.
Limits : Routine care with no sub-limit; mental health with a lifetime cap; dental care as an option.
- up to $2,500,000 Silver: annual coverage limitPlan presented as the one most subscribed to by the provider.william-russell.com · Verified on Nov 2, 2026
- less than 76 years Maximum age at subscription (must be under), renewal with no age limitAge requirement applies on the effective date; the policy can then be renewed with no stated age limit.william-russell.com · Verified on Nov 2, 2026
- 6 months Routine dental care (Dental Basic): waiting periodOptional cover under Silver Lite and Silver, included in Gold.william-russell.com · Verified on Nov 2, 2026
Contract documents · william-russell.com
Gold
Long-term expat health · Pages du site consultées le 1er novembre 2026
Risk carrier
AWP Health & Life SA (groupe Allianz)
Distributor / administrator
William Russell Europe SRL (souscripteur mandaté) ; William Russell Ltd
United States
Not verified
Home country
Being verified
Renewal
Renewable for life
Link with the CFE
First-euro cover
Direct billing
Partly
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Yes
- Dental : Yes
- Optical : No
- Mental health : Yes
- Evacuation and repatriation : Yes
Who for : Application before the age limit; medical questionnaire.
Pre-existing conditions : Medical underwriting based on a questionnaire; pre-existing conditions are generally not covered unless agreed.
Limits : Routine maternity within a limit per pregnancy, after a waiting period; dental care included; lump sum paid on diagnosis of cancer.
- up to $5,000,000 Gold: annual coverage limitHighest tier in the range, and the only one to include routine maternity care and dental care.william-russell.com · Verified on Nov 2, 2026
- less than 76 years Maximum age at subscription (must be under), renewal with no age limitAge requirement applies on the effective date; the policy can then be renewed with no stated age limit.william-russell.com · Verified on Nov 2, 2026
- 12 months Maternity: waiting periodRoutine maternity care is covered only under the Gold plan; pregnancy complications are covered within limits specific to each plan, with the same waiting period according to the comparison tool.william-russell.com · Verified on Nov 2, 2026
- 6 months Routine dental care (Dental Basic): waiting periodOptional cover under Silver Lite and Silver, included in Gold.william-russell.com · Verified on Nov 2, 2026
Contract documents · william-russell.com

Published figures

Premium, fromOn quote
Silver Lite: maximum limit for routine care (with option)up to $10,000william-russell.com · Verified on Nov 2, 2026
Gold: annual coverage limitup to $5,000,000william-russell.com · Verified on Nov 2, 2026
Silver: annual coverage limitup to $2,500,000william-russell.com · Verified on Nov 2, 2026
Bronze and Silver Lite: annual coverage limitup to $1,500,000william-russell.com · Verified on Nov 2, 2026
DeductibleNot provided
Routine dental care (Dental Basic): waiting period6 monthswilliam-russell.com · Verified on Nov 2, 2026
Maternity: waiting period12 monthswilliam-russell.com · Verified on Nov 2, 2026
Maximum age at subscription (must be under), renewal with no age limitless than 76 yearswilliam-russell.com · Verified on Nov 2, 2026

Who bears the risk

William Russell designs, sells and manages its policies, but does not bear the risk. The website states that William Russell Europe SRL, a company registered in Belgium with the FSMA, is a delegated underwriter for AWP Health & Life SA, an insurer of the Allianz group. The UK branch of William Russell Europe SRL and William Russell Ltd are entered on the Financial Conduct Authority register.

Plans and benefits

Bronze: hospital plan, annual cap of up to $1,500,000⁴; routine care is covered only in the period following discharge from hospital; cancer and major diagnostic tests are covered in full.
Silver Lite: same annual cap, with capped routine care, up to up to $10,000¹ with the option, and monitoring of chronic illnesses.
Silver: annual cap of up to $2,500,000³, routine care with no sub-limit, mental health and complementary medicine.
Gold: annual cap of up to $5,000,000², the only plan to include routine maternity and dental care.

Basic emergency medical evacuation is listed on the comparison site for all four plans, with an enhanced option; however, the benefits table published by an intermediary excludes evacuation to, from or within the United States. For inpatient stays, the clinic is paid directly by the insurer. No optical cover appears in the documents reviewed.

Excesses, waiting periods and exclusions

Maternity is covered only after 12 months⁶; routine dental care, after 6 months⁵. Pre-existing conditions are generally not covered, unless agreed following the medical questionnaire. An annual or per-claim excess can be chosen; the full scale was not reviewed.

The definition of the areas of cover, the place of the United States, cover during stays in the home country and the availability of moratorium underwriting do not appear on the pages reviewed; the policy's general terms and conditions could not be consulted.

Who it is for, and who it is not

The offer is aimed at long-term expatriates who wish to take out cover before an age limit of less than 76 years⁷ and then keep their policy with no upper age limit, with an insurer belonging to the Allianz group. It does not offer a CFE top-up and requires medical underwriting at entry.

Price and points to check

The website publishes a few examples of monthly prices, but without a date: we do not reproduce them. The price is set by quotation, according to age, country of residence, area, plan, excess and household composition.

The area selected and the treatment of the United States, to be clarified in writing.
Individual exclusions entered after the medical questionnaire.
The Gold plan if a pregnancy is planned, as maternity is absent from the other plans.

Sources and verification dates

1.
Silver Lite: maximum limit for routine care (with option) : $10,000
« up to US$10,000 cover for everyday medical costs including US$3,500 cover for primary medical care »
William Russell, « Which health plan is right for me? »Verified on Nov 2, 2026Verified source
2.
Gold: annual coverage limit : $5,000,000
« Annual benefit limit … US$5m »
William Russell, « International health insurance »Verified on Nov 2, 2026Verified source
3.
Silver: annual coverage limit : $2,500,000
« Annual benefit limit … US$2.5m »
William Russell, « International health insurance »Verified on Nov 2, 2026Verified source
4.
Bronze and Silver Lite: annual coverage limit : $1,500,000
« Annual benefit limit … US$1.5m »
William Russell, « International health insurance »Verified on Nov 2, 2026Verified source
5.
Routine dental care (Dental Basic): waiting period : 6 months
« 6-month waiting period »
William Russell, « Compare plans »Verified on Nov 2, 2026Verified source
6.
Maternity: waiting period : 12 months
« for maternity costs there is a 12-month waiting period. »
William Russell, « International health insurance »Verified on Nov 2, 2026Verified source
7.
Maximum age at subscription (must be under), renewal with no age limit : 76 years
« You must be under age 76 when your policy starts, but you can renew for as long as you need it. »
William Russell, « International health insurance »Verified on Nov 2, 2026Verified source

Characteristics

Contracts and plans

Bronze

Silver Lite

Silver

Gold