William Russell Limited - Elite Silver Plan

Vital organs: heart, kidney, liver, heart and lung transplants
£150,000 : $240,000 : €225,000 lifetime limit

Area One cover - world-wide cover excluding the USA
Area One will give you world-wide cover, excluding the United States of America. There are two sets of rates for Area One cover. If you live in China, Hong Kong, Macau, Taiwan, Japan or Singapore you must pay the Orchid rate. If you live outside these countries, the Standard rate will apply.
Area Two cover - world-wide cover
World-wide, with cover in the USA restricted to temporary trips of not more than 45 days duration, and limited to US$100,000 per year.
Area Three cover - world-wide cover
World-wide, with cover in the USA restricted to temporary trips of not more than 90 days duration, and limited to US$250,000 per year.

£30,000 : $48,000 : €45,000 lifetime limit
Up to 30 days per period of cover. Available after 24 months cover. All costs must be authorised in advance by William Russell Ltd

Full refund (after the excess)
Treatment by Chiropractors, Osteopaths, Acupuncturists and Homeopaths when you have been referred by your doctor. Max 10 visits in total per period of cover

Full refund (after the excess)
e.g.: prescribed drugs, dressing, pathology, scans, radiology, diagnostic tests and treatment received as an out-patient

Full refund (after the excess)
Treatment by Chiropractors, Osteopaths, Acupuncturists and Homeopaths when you have been referred by your doctor. Max 10 visits in total per period of cover

Full refund (after the excess)
Limited to 10 pre-authorised consultations within the lifetime limit for psychiatric treatment

Travelling expenses of a companion - Full refund (economy class)
Accommodation expenses of a companion - Up to £60 : $96 : €90 per night
If the companion is required to stay with the insured person we will pay towards their hotel accommodation. This benefit is limited to 15 nights accommodation during any one period of cover

18 (or 24 if still in FTE)
Discount offered for 2nd, 3rd and 4th Child
2nd Child - 25% Discount
3rd Child - 50% Discount
4th, 5th etc - 50% discount

Full refund (after the excess)
Treatment by Chiropractors, Osteopaths, Acupuncturists and Homeopaths when you have been referred by your doctor. Max 10 visits in total per period of cover

Economy class airfare
The cost of an economy class return airfare to attend the funeral of a close family member. A close family member is a spouse, parent, brother, sister, child or grand-child. The benefit is limited to a lifetime limit of one per insured person.

Up to £7,000 : $11,200 : €10,500
This benefit is only payable when death occurs outside the home country

Emergency in-patient or day-patient dental treatment following an accident: The treatment must be received within 15 days of the accident for the restoration of sound, natural teeth lost or damaged in an accident.
Up to £5,000 : $8,000 : €7,500
Routine dental treatment:
Not covered

Up to £500,000 : $800,000 : €750,000
If you have a life threatening condition covered by your plan which cannot be treated locally, we will pay to have you evacuated to the nearest hospital, (as determined by the Assistance Service), where appropriate in-patient treatment is available

Up to £150 : $240 : €225 after the excess
After 12 months continuous cover we will pay towards the cost of a general annual medical examination, an annual cervical smear test and mammogram for women, or annual prostate caner test for men

Vital organs: heart, kidney, liver, heart and lung transplants
£150,000 : $240,000 : €225,000 lifetime limit

Travel Plan
Clients who purchase a Global Health Plan have the option to take out our Travel insurance plan for added cover. The Plan is particularly beneficial for frequent business travellers who wish to have assurance for their luggage and personal effects. The Travel Plan costs £62 : $104 : €104 for an annual period of cover. If cover is added mid-year we will charge a pro-rata premium.
Travel Plan benefits include:

* Up to 120 days of Travel Insurance benefits for trips made away from your country of residence, and within your country of residence when a trip is pre-booked and involves at least two nights paid accommodation
* Up to £50,000 : $85,000 : €85,000 personal accident benefit
* Up to £2,500 : $4,250 : €4,250 for personal baggage which is lost, damaged or stolen
* Cover for trip cancellation, curtailment and delay
* Legal expenses
* Passport replacement

This is an optional benefit and can be added at any time throughout the client's policy year. Simply contact us and we will send you the necessary application form.

Accident Plan
Clients who purchase a Global Health Plan also have the option to take an Accident Plan, which gives them worldwide financial protection against a debilitating or fatal accident. Accident cover includes up to £250,000 : $375,000 : €375,000 of benefit paid as a cash lump sum in the unfortunate event of a client suffering an accident that results in:

* Death
* Loss of one or both eyes
* Loss of, or permanent loss of the use of, one or more limbs
* Permanent total disablement

This is an optional benefit and can be added at any time throughout the client's policy year. Simply contact us and we will send you the necessary application form

The excess is the amount you have to pay for each claim you submit.
Nil excess - 20% Loading
£ 30 : $ 50 : € 45 - Standard Rate
£ 60 : $ 100 : € 90 - 5% Discount
£ 250 : $ 400 : € 375 - 15% Discount
£ 500 : $ 800 : € 750 - 20% Discount
£1,000 : $ 1,600 : €1,500 - 30% Discount
£3,000 : $ 5,000 : €4,500 - 40% Discount
£6,000 : $10,000 : €9,000 - 50% Discount

Up to £4,000 : $6,400 : €6,000 per pregnancy
In-patient treatment required as a result of pregnancy and received after 12 months of continuous cover