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The cost of private health insurance is rising around the world, but there are plenty of ways you can reduce your premium – without significantly compromising your cover. Here’s a quick guide to our main premium saving tools.
Kim McClatchie
Head of HR
At William Russell, we help you build a plan tailored specifically to you, to help you control your premium. We have cost-effective plans, excesses with good discounts, smaller coverage zones, and optional benefit limits. These options can help you reduce the amount you spend on international health insurance each month or year.
There are a few other things you can do to help reduce your premium:
Substantial increases in the price of food, housing and fuel, are being felt across the world as we face a cost of living crisis. Financial pressures are piling up and everyone is looking at ways they can reduce their outgoings in these challenging times. In this guide we look at some ways you can help to reduce your health insurance premium.
The coverage zone is a feature of international health plans that you don’t typically find in domestic plans. In short, it’s the geographic or territorial limits of your plan, specifying in which countries you’re covered and which countries you’re not.
Every health plan from William Russell has an coverage zone. There are six zones, and you can choose any* zone with any of our health plans
As a rule of thumb, a more restrictive zone means a greater saving on your premium.
*Zone 3 is only available to residents of Indonesia
Zone 1 gives you full cover worldwide, with restricted cover in the USA.
It’s available to everyone, no matter where they live – but as the most comprehensive zone of cover, it is the most expensive.
If you live in a country where private healthcare is cheaper, you can save up to 20% on your premium by choosing Zone 2.
With Zone 2, you’ll enjoy full cover in most countries around the world, with US$100,000 cover for accident & emergency treatment in countries where private healthcare is expensive (e.g. China, Japan, Canada, countries in the EEA).
Zone 2 doesn’t give you any cover in the USA. It’s a good option if you live in Central America, Latin America, Africa, the Middle East, Eastern Europe or Asia.
If you live in Indonesia, you can save up to 10% on your premium by choosing Zone 3.
With Zone 3, you’ll enjoy full cover in most countries around the world, with 80% cover for eligible elective treatment costs and US$100,000 cover for accident & emergency treatment in countries where private healthcare is expensive (e.g. China, Japan, Hong Kong, Macau, Taiwan, Singapore, Switzerland and the London area).
Zone 3 doesn’t give you any cover in the USA.
If you live in Africa or the Indian subcontinent and you only need full cover in those regions, Zone 4 could be right for you.
You’ll have full cover in all countries in Africa and the Indian subcontinent, with US$100,000 for accident & emergency treatment everywhere else.
Zone 4 doesn’t give you any cover in the USA.
Zone 5 is like Zone 4, except your cover in South Africa is limited to US$100,000 for accident & emergency treatment.
If you live in Southeast Asia and only need full cover in this area, Zone 7 could be right for you.
You’ll have full cover in Brunei, Cambodia, Timor Leste, Indonesia, Laos, Malaysia, Myanmar, Papua New Guinea, the Philippines, and Vietnam.
Zone 7 doesn’t give you cover anywhere else in the world.
*Wondering if there is a Zone 6? There is, but we use it on our international life insurance plans only.
You could save up to 5% on your premium by switching from monthly/quarterly payments to annual payments.
Switching from semi-annual payments to annual payments will save you up to 3% on your premiums.
Switching to our Bronze or SilverLite plans which offer semi-private hospital rooms will save you 10% and 8% respectively.
SilverLite is a low-cost, capped-benefit health plan that gives you a saving of up to 29% compared to the Silver plan*.
You’ll still have full cover for hospital treatment, cancer treatment, and emergency medical evacuation, while the usual coverage zones and excess options are available.
Benefits
SilverLite
Silver
*SilverLite is available to residents of all countries, except the USA, China, Hong Kong, Macau, Taiwan, Singapore & Japan. For a full comparison of the Silver and SilverLite plans with T&Cs, limitations and exclusions, please read the plan agreement.
Members can select a higher excess to help reduce their premium, with the possibility of saving up to 26%.
This table shows the savings available* for our most popular excess options.
Excess option
Bronze
Gold
*Savings are against the standard premiums, which are based on a US$50 per claim excess. When comparing with a nil excess, the savings will be even greater.
At William Russell, we have over 30 years’ experience of helping expatriates move abroad and settle into their new lives overseas by providing world-class international health insurance.
Joe Holden Relationship Manager
If you’re ready to see prices for health insurance, click on ‘Get a Quote’ below to head on over to our online quote tool.
We’ll ask you a few details (your age, your location), and then we’ll show you prices – it only takes a few minutes!
A couple of days after you’ve received you quote, Joe will email or call you to find out how we can help you further. Joe won’t bug you, and you can opt out at any time.
It’s filled with handy information and tips for expats.
If you’re moving abroad, it’s important to know which countries require you to have health insurance.
There are so many options when it comes to international health insurance plans – we look at how to compare them.
Looking for the best health insurance for living abroad? Here’s how to get the best cover for you and your family.
We were one of the first insurance providers to cover people living abroad, and we’ve earned a reputation for our wonderful customer service.
The insurer behind our health plans is part of the Allianz group
We’re proud of our award-winning service and our members rate it highly
You will get your own dedicated team member when you join
If you’re not happy with your health plan or the service we provide, and you haven’t yet made a claim, then we’ll refund the premium you’ve paid – no questions asked.
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