What are you looking for?

Call +852 3702 6161
Callback Request


Request a call-back

About our policies and cover

Get a quote online

About Us

Our 2018 health insurance premiums explained

We work hard at William Russell to keep your premiums steady. Over our 25-year history we have gained a reputation for keeping premium increases to a minimum and avoiding large changes in price.

Prefer to speak to us about your plan?

More benefits

This year we have made several improvements to our products, to offer you more benefits:

An increase in the limit for the genomic testing of tumours so that cancer treatment can be more targeted, with cover up to US$6,000/ HK$46,500.

An increase in the benefit we provide for long term kidney dialysis

New wellbeing options for Elite Silver and Gold customers

A direct billing option which will benefit customers in certain Asian countries

Our commitment to you

We are committed to providing affordable international health insurance, without compromise.

However, with a rising incidence of high-cost cancer claims, an increased demand for quality healthcare and the escalating cost of health provision, it is inevitable that insurance premiums have to rise to keep pace, to ensure we can continue to offer cover when you need it most.

The average premium increase for our 2018 health insurance plans is 7-10%.

Your premium may have increased more than our average if you’ve entered a new age bracket, have selected a low excess or opted to pay your premiums monthly.

What you can do to reduce your premium

If you are concerned about your premium increase, there are a number of ways that you can decrease your premiums, whilst still enjoying the cover you need.

  • Consider a different plan level

    Consider what healthcare cover you actually need. You may be able to switch to a different plan type with fewer benefits.
    Please see our 2018 health plan selection for individuals and for groups.

    Consider a semi private room or treatment on a general ward

    Opting to receive treatment in a semi private room or on a general ward will help reduce the premium you pay.

    Increase your excess

    Increasing your excess can reduce your premium. We offer a range of excess options – speak to our team on +852 3702 6161 if you would like to know more about the excess options that could be available to you.

    Pay your premiums annually

    You can save 5% on your premium by switching from monthly payments to one annual payment.

For more help and information

Please contact our sales team on +852 3702 6161, or email us at hks@william-russell.com for more information and alternative quotations.

Send us an email

And a member of our Hong Kong based team will be in touch


Call +852 3702 6161

Our Hong Kong based experts are on hand to answer your queries


Request a callback

Free of charge to both landlines and mobiles, anywhere in the world