William Russell Limited - Essential Care

Travelling expenses of a companion - Full Refund (economy class) must be authorised in advance by William Russell Ltd or the Assistance Service.
Accommodation expenses of a companion - No 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

Cover in accordance with policy benefits for treatment of an acute exacerbation of a chronic condition.
However, you are not covered for the cost of treatment that is aimed at maintaining or controlling a chronic condition

up to $5,000 : AED 18,350
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 $2,500 : AED 9,175
Routine dental treatment:
Not covered

Up to $200,000 : AED 734,000
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

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.
$ 0 : AED 0 - Standard Rate
$ 1,000 : AED 3,670 - 10% Discount
$ 2,500 : AED 9,175 - 20% Discount
$ 5,000 : AED 36,700 - 30% Discount