William Russell

expat network

Office address:
William Russell House
The Square
Surrey
Lightwater
GU18 5SS
United Kingdom

Office address:
Place Marcel Broodthaers, 8
B-1060 Saint-Gilles
Brussels
Belgium

Office address:
Suite 1001 10/F, Office Plus No. 303
Hennessy Road
Wanchai
Hong Kong
Hong Kong

Home address:
PO BOX 3027
Dubai
UAE

Business phone:
+44 (0)1276 543 348

Customer service email:
damian.porter@william-russell.com

Website: www.william-russell.com

Website: https://www.linkedin.com/company/william-russell

International insurance for people living & working abroad

We’re an expat health insurance provider taking a different approach to insurance. By putting our members at the heart of everything we do, we’re building an healthcare experience that’s both personal and fair. Our plans put you in charge of your health, with cover for the latest medical treatments, freedom to access private healthcare internationally & our trademark personal service. That’s why we’re the healthcare partner for people living & working abroad.

We believe in people

Some insurers rely on AI and Big Data to do their work for them. We think differently. Healthcare is a highly personal experience, so it deserves a personal service. We’re a team of real people, at the end of a phone call when you really need us. We don’t hide behind call centres or bot webchats.

We’re committed to fairness

Healthcare is expensive, and—sadly— costs are on the up. We do everything possible to spread this inflation fairly. We calculate premiums with a long-term, sustainable pricing model, and we give you tailoring tools to help reduce your premium without compromising your cover.

Transparency matters to us

Insurance is about trust, so we believe in being fair and open. This belief informs our idea of healthcare as a partnership between our members and us. That’s why we’re completely upfront with our health plans, and we want you to understand precisely what you’re buying.

Life insurance

Safeguard your family’s future should you pass away. With life insurance for expats up to US$2 million, make sure you leave behind a cash lump-sum to help maintain your family’s standard of living or to pay off a mortgage or debt.

Income protection

Global income protection insurance provides you with a regular monthly income if an injury or illness prevents you from working in your regular profession while you’re living and working abroad. If you can’t work, income protection can support you and your family financially by paying you a proportion of your lost earnings while you focus on your recovery.

For more information or a quick quote please, contact damian.porter@william-russell.com and mention EXPAT NETWORK.

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Moving Abroad Checklist

Initial Considerations

Will your partner be travelling with you?

If so, what will they be giving up in your present home and will they be able to continue with their career in your new home? You will need to check whether a separate visa is required for your partner to work or if your visa gives that right. If they are unable to work you will need to decide on the effect on your finances and what alternatives are available to give a fulfilling life (home business, training, voluntary work).

Are you taking family with you?

Moving with family raises many exciting opportunities, but also can create challenges. The HSBC Expat Explorer survey indicates that expat kids can take six months to settle in to their new country (see article). Getting young or even older children to prepare to move and leave their friends and family behind can be a challenge and should be thought through.

The options for education is another area that needs to be thought through.

Moving your child to a new country with a different education system can be a great opportunity to broaden their experience, but if they are close to key exams the timing can make this inadvisable. If you do take your family with you, it is important to decide between joining the local school system or choosing an international school.

Where will you be living?

Whether you will be living in a house or apartment, furnished or unfurnished, these decisions will affect what you need to take with you. The time you are planning to live overseas will also affect whether you should leave your property at home empty, rent it out or sell it. See the article Sell, Store or Ship.