William Russell Limited - Elite Platinum Plan

Vital organs: heart, kidney, liver, heart and lung transplants
£250,000 : $400,000 : €375,000 life time 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 One Orchid - world-wide cover excluding the USA
As above but for residents of Bali, China, Hong Kong, Japan, Macau, Singapore or Taiwan.
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.

Full refund
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 £100 : $160 : €150 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 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 £30,000 : $48,000 : €45,000 per pregnancy
Hospital accommodation and treatment charges of a child born to a mother who has been insured by the Elite Platinum plan for a continuous period of not less than 12 months at the time of birth. Cover is restricted to the first 28 days of life

Up to £12,500 : $20,000 : €18,750
This benefit is only payable when death occurs outside the home country

Emergency in-patient dental treatment - required to restore sound, natural teeth following an accident and received within 15 days of the accident - Full refund.
Emergency out-patient dental treatment - required on natural teeth following an accidental injury and carried out within 72 hours of the accident - up to £750 : $1,200 : €1,125 per annum.
Routine dental treatment - Annual screening, preventative scaling, polishing, sealing, fillings, extractions and root canal treatment received after 6 months continuous cover - up to £,1200 : $2,000 : €1,800 per annum.
Complex dental treatment - for crowns, in-lays and bridges received after 12 months continuous Platinum plan cover - up to £1,200 : $2,000 : €1,800 per annum

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

Adult - Up to £300 : $480 : €450 per annum (towards the cost of an annual medical check-up, a cervical smear test and mammogram for women, a prostate cancer test for men)
Child - Up to £310 : $500 : €460 per annum (towards the cost of routine vaccinations and developmental check-ups)

Vital organs: heart, kidney, liver, heart and lung transplants
£250,000 : $400,000 : €375,000 life time 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.

The Global Life Plan pays a cash lump sum to your beneficiary in the event of your death. An optional Accident Protection benefit is also available that pays a cash lump sum if your death is caused by an accident or if an accident causes you a permanent injury.

The Global Income Plan will provide you with a regular income if you suffer an illness or injury which prevents you from working for a continuous period of longer than three or six months.

The Global Life & Income Plans are available to working expatriates in non-hazardous occupations between the ages of 18 and 64. Once you have been issued with a policy, you may continue to renew it up to age 65. The plans are individual, annually renewable and age related which means that the premiums will increase as you get older.

Please visit www.william-russell.com for further information and a online quote.

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

Full refund
In-patient treatment required as a result of pregnancy and received after 12 months of continuous cover

Up to £7,500 : $12,000 : €$11,250 per pregnancy
80% of the cost of routine parental childbirth, pre-natal, post-natal treatments and examinations, and elective caesarean sections received after 12 months continuous Elite Platinum plan cover