International private health insurance

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Personal health plans
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Business health plans

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About Us

International Group Health Insurance
designed for Hong Kong businesses

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With our comprehensive, international group health insurance, designed for Hong Kong residents, businesses can have peace of mind that employees are covered at home and while away, on business or personal trips.

From 3 to 150+ employees


We cover 100% local employees, as well as expats, mix and match under one scheme and tailor benefits to best suit your business .


Comprehensive plans

Choose from Bronze, Silver or Gold levels of cover. Mix and match under one scheme as best suits your business. With generous limits and benefits for in-patient cover, cancer treatment and medevac as standard, shape our plans and optional benefits around your employees.

Full cancer cover

Treatment is covered in full across all our health plans. We cover genome testing of malignant tumours, so treatment can be tailored to your personal medical needs and we provide cover for a wig & consultations with a counsellor & dietitian, following the diagnosis of cancer.

Medevac

Medical evacuation is covered as standard on our health plans, but Medevac Plus extends the range of circumstances under which your employees will be evacuated.

Our health plans and benefits

Choose the plan that best suits your business and employees. Mix and match cover levels and benefits to suit your requirements and budget level. With excess options starting from Nil and US$50 per claim, talk to us to shape a plan around you. 

Bronze

  • HK$11,625,000 or US$1,500,000 annual benefit limit
  • Full cover for hospital treatment & private accommodation
  • GP & specialist consultations, cover for post-hospital treatment only
  • Full cover for Cancer treatment
  • Full cover for Kidney dialysis
  • Emergency medevac
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Silver

  • HK$19,375,000 or US$2,500,000 annual benefit limit
  • Full cover for hospital treatment & private accommodation
  • HK$155,000 or US$20,000 for up to 25 GP & specialist consultations
  • Full cover for Cancer treatment
  • Full cover for Kidney dialysis
  • Emergency medevac
  • Traditional Chinese medicine HK$388 or US$50 per session, up to 15 sessions
  • Well-being benefit HK$2,325 or US$300 (6-month waiting period)
  • Well-child benefit HK$1,552 or US$200 (12-month waiting period)
  • Add optional HK$7,750 or US$1,000 routine dental cover, subject to a 10% co-insurance (6-month waiting period)
  • Add optional HK$11,625 or US$1,500 routine dental cover, subject to a 10% co-insurance (6-month waiting period)
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Gold

  • HK$38,750,000 or US$5,000,000 annual benefit limit
  • Full cover for hospital treatment & private accommodation
  • HK$232,500 or US$30,000 for up to 30 GP & specialist consultations
  • Full cover for Cancer treatment
  • Full cover for Kidney dialysis
  • Emergency medevac
  • Traditional Chinese medicine HK$388 or US$50 per session, up to 20 sessions
  • Well-being benefit HK$5,813 or US$750 (6-month waiting period)
  • Upgrade well-being benefit to HK$10,075 or US$1,300 (6-month waiting period)
  • Well-child benefit HK$3,100 or US$400 (12-month waiting period)
  • Routine dental cover HK$11,625 or US$1,500 (6-month waiting period)
  • Add Complex dental cover HK$15,500 or US$2,000, subject to a 20% co-insurance (12-month waiting period)
  • Routine maternity care HK$116,250 or US$15,000 per pregnancy (12-month waiting period)
  • Full complications of pregnancy cover (12-month waiting period)
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Please note that pre-existing medical conditions and related conditions are not covered by our plans, unless you have told us about them and we have agreed to cover them. Contact us for an estimate dependant on the size and requirements of your organisation today.

Optional benefits

Choose maternity cover

Choose from three levels of optional routine maternity cover on Elite Silver plans; add emergency childbirth cover and select a boosted level of emergency newborn cover if required. Elite Gold plans come with routine and complex maternity benefits included as standard, alongside full cover for emergency childbirth and emergency treatment for newborns.

Boost your wellbeing

At William Russell, we believe that prevention is better than cure. That's why our Silver & Gold health plans each provide an annual benefit to cover your health checks, vaccinations & eye examinations. Boost your wellbeing benefit level on Silver and Gold plans.

Buy out out-patient co-insurance

Buy out the 15% out-patient co-insurance, so your employees pay nothing when claiming for eligible out-patient treatment: doctors’ visits, prescribed drugs, pathology, scans, radiology and diagnostic tests.

Adventist, Matilda and Sanatorium Hospitals

We want you to have control and choice over where your employees seek treatment, so we offer an upgrade of the semi private room restriction at the Matilda, Adventist and Sanatorium hospitals to a private room for an addition to your premium, or you can extend the semi private room restriction for a premium discount.

Talk to an expert

We will be happy to prepare a full quote for your organisation. Call our dedicated business team today or let us call you back at a time that suits you:

Or you can get in touch direct:

+852 3702 6161

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