Call us Get a Quote Frequently Asked Questions Home›Frequently Asked Questions Buying health insurance can be confusing. There are lots of providers and health plans out there, each with different benefits, different perks – and different insurance jargon. To make things worse, healthcare experiences vary across the world; what works in one country won’t necessarily work in others! Here, we translate the jargon, explain health plan differences and how these vary across the world. We are transparent about our international health plans, what you’re covered for, and how we calculate your premium. What types of global health insurance are there? What is the difference between international health insurance and travel insurance? What are pre-existing medical conditions? Am I too old for international health insurance? Do your international health plans cover dental treatment? How do I choose an international health cover excess? What is direct billing? What is medical evacuation? How long does an application take for international health insurance? Why do I need international health insurance? Am I eligible for a health plan with William Russell? How long can I keep my global health cover? Do I need to fill out a medical questionnaire each year? Do I have to renew my cover each year with William Russell? Do I need international health insurance in countries that offer free public healthcare? Is there a no-claim discount or bonus with William Russell? I'm new to health insurance. Where can I find explanations for all the jargon? Where can I find reviews about William Russell? Read to see prices? Get a quote in under two minutes! CONNECT SUBSCRIBE Your email address ABOUT WILLIAM RUSSELL International Health Insurance International Life Insurance International Income Protection International Employee Benefits Our Story FOR MEMBERS How to Make a Claim Documents Emergency Contact Refer a Friend Request a Callback FOR BROKERS Why William Russell Work With Us FAQs About New Member Discount USEFUL LINKS Online Quote Association Reviews New Member Discount Careers William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels. Registered in Belgium with the Financial Services & Markets Authority, no. 0731.975.658 RPM, as a limited liability company with share capital of €30,000. Mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. Deemed authorised & regulated by the Financial Conduct Authority (FCA), reference no. 847808. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314. William Russell Ltd is registered in England & Wales at William Russell House, The Square, Lightwater, Surrey, GU18 5SS. Privacy | Cookies | Legal Disclosures & Web Terms of Use We use cookies to improve your experience on our website. If you continue your visit, we'll assume you're happy to receive our cookies. ContinueRead more