Insurance · Health insurance
William Russell
Health insurance
William Russell is a British international health and life insurance broker-insurer founded in 1992 and based in London, distributing its own international health plans for expats through a reinsurance partnership with AXA and Allianz Worldwide Care depending on the region. The company positions itself in the "mid-market" segment of international health insurers: worldwide cover, high caps, award-winning customer service, but at lower rates than the heavyweights (AXA Global Healthcare, Cigna Global) — typically USD 1,800 to 5,500 / adult / year in Cambodia depending on plan and zone. Three main ranges: Bronze (in-patient only), Silver (in-patient + everyday out-patient), Gold (full cover) — plus a "Lite" variant for tighter budgets. For expats in Cambodia, William Russell is attractive for two reasons: (1) direct billing across the ASEAN regional network via the AXA partnership, (2) a reputedly smooth claims process, with an average advertised reimbursement time of 7 days. The company distributes its plans in several currencies (USD, EUR, GBP), which simplifies management for binational couples. Documentation and customer service in English; no official French version. For French nationals in Cambodia, the choice often comes down to April (native French) and William Russell (mid-market with quality of service), depending on the price/French-language ratio desired.
Verified on
- Website
- https://www.william-russell.com
- Phone
- +44 1276 486477
- Languages
- EN
- Google Reviews
- 4.5 / 5 (540 reviews)
Address
Aucune agence Cambodge — siège : Russell Court, Western Road, Bracknell, Berkshire RG12 1RT, Royaume-Uni
Insurance types covered
Advantages & drawbacks
Advantages
- Mid-market price-quality — Compromise between low-cost and premium players.
- Multiple currencies — Plans in USD / EUR / GBP — handy for binational couples.
- ~ 7-day reimbursement — Efficient digital process, well-rated customer service.
- AXA network as backup — AXA reinsurance → cashless across ASEAN.
Drawbacks
- No French version — Everything in English.
- Less aggressive pricing than Genki / Now Health — USD 1,800–5,500 / adult / year.
- No local office — 100% online.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Bronze | Health insurance | Tight budget | In-patient + day-care only. |
| Silver | Health insurance | Standard individuals / families | In-patient + everyday out-patient. |
| Gold | Health insurance | High-end expat families | Full cover: in-patient, out-patient, dental, optical, maternity. |
| Life Insurance | Personal accident | Individuals | Term and permanent life insurance, worldwide. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 2,000,000 / year | Gold plan. |
| Medical evacuation | Actual costs | — |
| Outpatient care | Up to USD 30,000 / year | Silver / Gold plans. |
| Maternity | Up to USD 10,000 | Gold plan, 10-month waiting period. |
| Dental | Up to USD 2,000 / year | Gold plan. |
| Optical | Up to USD 400 / year | Gold plan. |
| Death benefit (life) | Up to USD 1,000,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Worldwide ex-US | Included | — |
| Worldwide incl. USA / Canada | Optional | Heavy surcharge. |
| Asia / Cambodia | Included | — |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient care | Included | Silver / Gold plans. |
| Maternity | Included | Gold plan, 10-month waiting period. |
| Dental | Included | Gold plan. |
| Optical | Included | Gold plan. |
| Pre-existing conditions | Excluded | — |
| Extreme sports | Excluded | — |
| Cosmetic treatments | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Naga Clinic — Phnom Penh
- Bumrungrad International Hospital — Bangkok
- Bangkok Hospital — Bangkok
- Mount Elizabeth Hospital — Singapore
Sources (1)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel William Russell Official