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William Russell is a trusted insurance provider for expats in the Philippines offering individuals and businesses health, life, and income protection insurance. Their plans come with worldwide coverage, comprehensive benefits, and excellent customer service.
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Are you an expat in the Philippines looking for a trusted life insurance provider? Or maybe you are a business owner looking for health insurance for your employees. Whatever the case may be, this article from Pacific Prime will help you understand the insurance solutions from William Russell.
We will discuss the different insurance products offered by William Russell for foreigners in the Philippines and their benefits and coverage. We will also share information on how expats can get started with William Russell.
Why Expats in the Philippines Choose William Russell Insurance
William Russell is a trusted choice for insurance in the Philippines because of its comprehensive coverage options, reputation, and global portability. Its plans come in different categories, so expats can choose a plan that best fits their budget and needs.
Whether expats need health, life, or income protection insurance, William Russell has the protection they need for peace of mind while they are abroad.
Key Benefits of William Russell Insurance for the Philippines
Some of the key benefits that William Russell offers include a global network of medical providers, multilingual customer support, and flexibility and customization options for their plans. These benefits are part of what sets William Russell apart from other insurers.
William Russell Insurance Products in the Philippines
William Russell offers health, life, and income protection plans to expat individuals and groups in the Philippines. Foreigners looking for life and income protection coverage can choose from William Russell’s comprehensive plans.
We will discuss the different insurance products and their benefits further in the following sections.
William Russell Health Insurance in the Philippines
William Russell offers international health insurance in the Philippines so expats can stay covered while abroad. Expats can choose from William Russell’s four standard health insurance plans: Bronze, SilverLite, Silver, and Gold.
These plans offer different benefits and coverage limits along with differing costs. We will share the annual benefit limits of each plan below:
- Bronze: USD $1.5 million
- SilverLite: USD $1.5 million
- Silver: USD $2.5 million
- Gold: USD $5 million
A benefit shared across all four plans is full coverage for cancer treatments and cancer genome testing, with additional support for cancer patients, including coverage for wigs, counseling, and dieticians.
William Russell Bronze Plan Benefits
The Bronze plan offers a more budget-friendly approach to health insurance plans. Standard benefits include inpatient and outpatient coverage, medical evacuation, and repatriation of remains.
The Bronze plan also includes a lifetime limit with coverage of up to USD $50,000 for mental health treatment benefits.
Bronze Plan Hospitalization Benefits
The Bronze plan’s hospitalization benefits are as follows:
- Hospital Accommodations: Semi-private room (option to upgrade to a private room)
- Hospital Treatment: Fully covered
- Parent Accommodation: Fully covered
- Local ambulance: Fully covered
- Hospital Cash benefit: Up to USD $150 per night (maximum of 60 nights)
- Advanced Diagnostic Tests: Fully covered
Bronze Plan Outpatient Benefits
The Bronze plan’s outpatient benefits are as detailed below:
- Annual Limit for Out-patient Treatment: No coverage limit
- Primary Medical Care: Covered only for post-hospital treatment
- Emergency Ward Treatment: Covered only for essential & immediate treatment following an accident
- Complementary Treatments: Covered up to 10 sessions (post-hospital treatment only)
William Russell SilverLite Plan Benefits
SilverLite is a popular choice among expats due to its coverage for emergency and everyday medical costs yet low premiums. It includes coverage for inpatient and outpatient care, medical evacuation, and coverage repatriation of remains up to USD $5,000.
It is important to note that the SilverLite plan is the one William Russell health insurance plan for expats that does not include a lifetime limit for mental health treatment benefits.
SilverLite Plan Hospitalization Benefits
- Hospital Accommodations: Semi-private room (option to upgrade to a private room)
- Hospital Treatment: Fully covered
- Parent Accommodation: Fully covered
- Local ambulance: Covered up to USD $1,600
- Hospital Cash benefit: Up to USD $200 per night (maximum of 60 nights)
- Advanced Diagnostic Tests: Fully covered
SilverLite Plan Outpatient Benefits
- Annual Limit for Out-patient Treatment: Covered up to USD $5,000
- Primary Medical Care: Covered up to USD $1,500 (option to extend to USD $2,500 or USD $3,500)
- Emergency Ward Treatment: Covered up to the annual limit for out-patient treatment
William Russell Silver Plan Benefits
William Russell’s Silver plan is the most popular choice for expats. With comprehensive coverage over a wide range of healthcare treatments, this plan balances excellent coverage while remaining less expensive than other options.
The Silver plan offers wellness benefits that are not available in Bronze or SilverLite, with preventative healthcare services being covered up to USD $300 (with an option to extend it to $500) and well-child benefits covered up to $200 USD.
Silver Plan Hospitalization Benefits
- Hospital Accommodations: Private room
- Hospital Treatment: Fully covered
- Parent Accommodation: Fully covered
- Local ambulance: Fully covered
- Hospital Cash benefit: Up to USD $200 per night (maximum of 60 nights)
- Advanced Diagnostic Tests: Fully covered
Silver Plan Outpatient Benefits
- Annual Limit for Out-patient Treatment: No coverage limit
- Primary Medical Care: Fully covered
- Emergency Ward Treatment: Fully covered
- Complementary Treatments: Covered up to 10 sessions
The Silver plan also includes a lifetime limit for mental health treatment benefits with coverage up to USD $75,000.
William Russell Gold Plan Benefits
The Gold plan offers the most comprehensive coverage of William Russell’s health insurance plans. It is an excellent choice for those looking for the highest level of coverage in standard medical care and a variety of additional health benefits.
The Gold plan offers wellness benefits not available in Bronze or SilverLite. Preventative healthcare services are covered up to USD $750 (with an option to extend it to $1,300), and well-child benefits are covered up to $400 USD.
Gold Plan Hospitalization Benefits
- Hospital Accommodations: Private room
- Hospital Treatment: Fully covered
- Parent Accommodation: Fully covered
- Local ambulance: Fully covered
- Hospital Cash benefit: Up to USD $350 per night (maximum of 60 nights)
- Advanced Diagnostic Tests: Fully covered
Gold Plan Outpatient Benefits
- Annual Limit for Out-patient Treatment: No coverage limit
- Primary Medical Care: Fully covered
- Emergency Ward Treatment: Fully covered
- Complementary Treatments: Covered up to 15 sessions
The Gold plan also includes a lifetime limit for mental health treatment benefits with coverage up to USD $100,000.
William Russell Health Insurance Optional Benefits
Optional riders for maternity and dental coverage can be added to existing William Russell plans to customize further and extend coverage. Some optional benefits will not be available with the less comprehensive plans, SilverLite and Bronze.
We have included this table below to help you compare maternity insurance benefits across the plans.
William Russell Maternity Benefits Comparison |
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| Bronze | SilverLite | Silver | Gold | |
| Routine Maternity Care & Routine Care of Newborns | Not covered | Optional up to USD $5,000 (for businesses only) | Optional up to USD $10,000 (for businesses only) | Covered up to USD $18,500 per pregnancy |
| Pregnancy Complications | Up to USD $4,800 | Up to USD $10,000 | Up to USD $15,000 | Full coverage |
| Childbirth Necessitating an Emergency Surgical Procedure | Not covered | Not covered | Optional up to USD $20,000 (for businesses only) | Full coverage |
William Russell’s plans offer different levels of dental coverage for expats in the Philippines. The more comprehensive plans have higher limits than the more basic plans. Consult the table below to compare dental benefits across plans.
William Russell Dental Benefits Comparison |
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| Bronze | SilverLite | Silver | Gold | |
| Emergency Restorative Treatment Received as an In-patient | Fully covered | Covered up to USD $5,000 | Fully covered | Fully covered |
| Out-patient
Emergency Restorative Treatment |
Not covered | Not covered | Covered up to USD $500 | Covered up to USD $1,000 |
| Dental Basic Benefit | Not covered | Optional up to USD $500 | Optional up to USD $1,000 and USD $1,500 for businesses | Covered up to $1,500 |
| Dental Plus Benefit | Not covered | Not covered | Optional up to USD $1,500 | Optional up to USD $2,000 |
William Russell Non-Medical Insurance in the Philippines
Expats in the Philippines can also benefit from William Russell’s non-medical insurance solutions, like life and income protection insurance. These plans are available with comprehensive benefits and competitive rates.
William Russell Life Insurance in the Philippines
William Russell provides life insurance policies that cover policyholders worldwide and take care of their beneficiaries in case of their death. William Russell can insure expats up to USD $2 million, with an early payment for terminal illnesses.
They also offer a Death By Accident optional benefit that can be added to your life insurance plan, which gives your beneficiaries an additional lump sum if you pass away due to a qualifying accident.
William Russell Income Protection in the Philippines
Expatriates can purchase income protection policies for financial support in case of an illness or injury that would prevent them from working longer than three months. William Russell’s income protection plans can cover up to 80% of your salary.
Income protection plans work by offering covered members a regular monthly income to make up for their loss of income in the case of illness or injury. These plans are especially beneficial for individuals who are the sole provider in their households.
William Russell Insurance for Businesses in the Philippines
William Russell offers international employers in the Philippines health, life, and income protection plans for their employees. They offer employee benefit packages that are comprehensive and competitive, tailor-made to promote the well-being of your employees.
William Russell also offers Medical History Disregarded (MHD) underwriting for groups of ten or more people. This makes enrolling new employees on a plan much easier and lessens the chances of them being ineligible for coverage.
For more information on William Russell’s competitive employee benefits packages, talk to a corporate insurance expert at Pacific Prime.
Frequently Asked Questions:
Are foreigners eligible for health insurance in the Philippines?
Foreigners are eligible for private health insurance policies while in the Philippines, and some may even be eligible for the public health insurance PhilHealth. Eligible foreigners can sign up for PhilHealth through their employers and voluntarily.
Does William Russell offer coverage in the US?
William Russell only offers limited coverage for short-term trips to the U.S. that add up to a total of 45 days. Within this limit, policyholders will be covered for medically necessary treatment services, accidents, and emergency services. However, medical evacuation in the U.S. is not covered.
Conclusion
Expats who choose William Russell as their insurance provider for their time in the Philippines can enjoy comprehensive benefits, excellent customer service, and a globally portable plan that they can take with them on all their adventures.
Are you ready to receive quotes on William Russell’s insurance? Check out our free tool to begin comparing plans yourself, or reach out to an insurance expert at Pacific Prime to help you get started. You can also compare other quotes from top insurance providers in the Philippines.
At Pacific Prime, we put our client’s needs first and offer our unbiased advice for free. With over 20 years of experience in the international insurance market, we know all there is to know about insurance solutions for expats abroad. Visit us online today to chat with an expert!
Interested in reading more about other insurance providers for the Philipines? Check out our articles on Pacific Cross Insurance and IMG Global Insurance.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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