If you have health plan from William Russell, you're covered for the treatment of COVID-19 as you would be for any other viral infection. This is provided that the plan you have selected covers the treatment and you don't have personal medical exclusions on your certificate of insurance that would apply. For example, if you have a personal medical exclusion for 'respiratory conditions' or any other condition that might be affected by Coronavirus, you wouldn't be covered for the diagnosis and treatment of your excluded condition.
There are no changes to the cover provided while you are travelling. However, your ability to access services may be impacted by local conditions. Before you travel you should check that the plan you have selected includes cover in the countries you are travelling to. You should also check for limitations on cover and trip duration in case you need to extend your stay due to travel restrictions.
If you are currently experiencing COVID-19 symptoms, then we will not offer cover until at least a month after you have recovered and are back to good health. If you have been admitted to hospital due to COVID-19, or you have an underlying health condition then we will need to ask further questions regarding your symptoms, treatment and recovery. Depending on the answers to these questions, there may be further delay before we can offer terms.
Yes, your right to renew your cover will not be affected if you have coronavirus.
If you need a private test, you may have cover for the cost of the test. Most testing programmes are run by national governments or local health authorities. To encourage maximum participation, tests are usually free.
If you have a Silver Lite, Silver or Gold plan and you have symptoms of COVID-19,you're covered for out-patient costs related to investigation, testing, and treatment of COVID-19, provided these are prescribed by a doctor. These costs are covered even if the test result is negative. The is normal plan terms and conditions on excesses and co insurances apply.
If you or have a Silver or Gold plan and you're not experiencing COVID-19 symptoms, you're covered for the costs of a test under your well-being benefit. The normal plan terms and conditions on excesses, waiting periods, and co-insurances apply.
Sometimes a hospital may include a COVID-19 test as part of pre-operation screening.This is also covered under all health plans.
Most COVID-19 vaccination programmes are run by national governments or local health authorities. This encourages maximum participation and ensures that the most vulnerable or at risk are vaccinated first. As a result, most vaccines are free.
If you have a Silver or Gold planwith William Russell, you will be covered for vaccinations under your vaccinations for adults or well-child benefit. The vaccine must be administered in your country of residence and must de approved for use by the health authority of that country. You will not be covered for vaccines received outside of your country of residence.
You are covered for eligible treatments you receive due to the side effects of a COVID 19 as vaccination, as long as the you don't have any relevant personal medical exclusions on your certificate of insurance.
For example, if you have personal medical exclusion for 'allergies' you wouldn't be covered for treatment following an allergic reaction to the vaccine.
Yes. The hospital cash benefit is designed to reward members with COVID-19 or another condition who receive inpatient medical treatment at a hospital within a country's public healthcare system. Usually, treatment at these hospitals is free for patients, or at least heavily subsidised.
As no costs are passed on to us, to we pass on some of the savings to our members. We'll pay cash benefit for each night you stay in a hospital as an inpatient, where no charge is made by the hospital and where the treatment costs would have been covered by your plan.
Our ability to evacuate members is being affected by the pandemic. This is due to by international travel restrictions and the limited number of hospitals accepting new patients. We will do our best to get you the care that you need within these limitations.
Whether your case qualifies for evacuation, where you will be evacuated to, and how you will be evacuated are at the discretion of our Assistance Service. You can contact the service on +44 1243 621155.
As long as the face-to-face consultation would have been covered under your plan, then we'll cover the same consultation that is carried out by telephone or video link. This applies for both COVID-19 and non-COVID-19 conditions.
Many governments are encouraging people to stay at home to avoid spreading COVID 19 and overwhelming healthcare systems. In response to these guidelines, healthcare providers are giving consultations over telephone or via video link. . It's best to get in touch with us if you have any questions relating to your plan and whether your consultation would be covered.
If you're admitted to hospital with symptoms of COVID-19 that require medically necessary treatment in a hospital which can only be provided as a day-patient or inpatient, we can consider cover, subject to pre-authorisation. Admissions that are solely for quarantine purposes are not covered.
The virus Covid-19 has been determined to be a Pandemic by the WHO. This does not change our stance. The testing for and any hospital necessary isolation required after diagnosis of Covid-19 will be covered in the normal way.
Simple answer is no. Most if not all countries are not accepting medical patients who are already diagnosed with the virus. This is out of our hands and we cannot influence this decision. The best advice is to either a) self-isolate, or b) if you are in hospital stay in that hospital until you have recovered from the virus.
If you travel against the advice of the Government in either your current country and/or the destination country, then the policy will not cover you. If the Government has not advised against such travel, then you should decide whether the travel is essential. If not then you should not go. Wilfully exposing one's self to potential harm is a general policy exclusion so you run the risk that you may not be covered depending on circumstances.
If you are travelling home to your declared country of residence (as shown on your medical insurance policy certificate), and you are able to do so, then you will need to proceed. Once you reach your home you should self-isolate for the prescribed number of days for that country. If you are subsequently diagnosed with Covid-19 when in your country of residence (as declared on your certificate) then the policy will cover you as required.
If you travel to a country against Government advice, then the policy will not cover you. At this point governments are generally warning against all but essential travel, and you should decide if " a holiday" during a worldwide pandemic is essential. We cannot decide that for you, but if you get quarantined once abroad, then the policy will not cover you.
Currently we are not accepting New Business applications from Italy. We will advise any further updates as and when they occur.
See Answer under 4. If you are going home and can get there the policy will cover you if you subsequently fall ill with Covid-19. Other than that you should follow self-isolation guidelines when you get home.
The answer is yes subject to the policy terms and the adherence to WHO and National Governmental rules on exposing yourself unnecessarily to the virus. See the other Questions and Answers here for further specific guidance.
Our policies do not carry a Pandemic exclusion so we would treat Covid-19 as per any other illness under the policy terms.
If you are admitted to hospital with Covid-19 and have followed all other advice and guidance, then subject to the policy terms in-patient cover is available.
See the answer to number 2 above. The simple answer is no because most if not all countries are not accepting patients who are already infected. The policy only covers medically required evacuation.
We have no Pandemic/Epidemic exclusion on our policies so subject to the policy terms and the following of WHO and National Government advice,the policy will cover these diseases.
This will differ from country to country but the important thing to note is that for the policy to operate you must follow the current government guidelines in terms of isolation/contacting a medical professional etc and following normal claims guidelines in conjunction with this. The one thing nearly ALL countries have in common is that if you think you may have the virus you should NOT attend a clinic/hospital BEFORE you have contacted them by phone to enable them to carry out a risk assessment based on your contact, recent travel and potential exposure threat.
Cover is provided if the insured has complied with the governmental vaccination requirements in the country of residence.
Our policies include coverage for pandemics, including the COVID-19 virus, subject to the terms and conditions of the level of cover purchased, and provided it is not pre-existing, or related to any condition that was pre-existing at the time of policy purchase.
COVID-19 is covered the same as any other illness.
If you are fortunate to come from a country that provides free medical cover you will be acutely aware of Governmental attempts to curb the rising costs of healthcare provisions.
We read, almost on a daily basis, about service cuts, hospital closures and waiting lists that now extend to months and even years in some cases.
If your intention is to return home to receive free medical treatment be aware that returnee expats are very often denied treatments.
Expat medical insurance plans are designed to provide that all important financial protection when you need hospitalisation treatments and care - learn how to choose a plan.
Living and working overseas can quickly turn into a frightening situation if you’re not prepared for a medical emergency - our blog articles provide real life examples of these.
Please visit our expat travel insurance page if you require medical insurance for periods of less than one year
Hopefully whilst reading this you are in good shape, fit and healthy - the trouble is that guaranteeing you remain fit and healthy is impossible!
Sadly, we are all subject to what life throws at us and often when we least expect it :
• Unforeseen accidents
• A sudden illness
• A critical illness diagnosis
these are all events that we do not plan or schedule for, but they occur daily and for many people.
Being an expat does not provide immunity from these occurrences - take a look at the case of Peter Robinson - a retired fireman who suffered an unexpected stroke in Manila. Peter had neither medical insurance nor the financial resource to handle the financial burden.
This is just one example of countless expat catastrophies which we witness all too often.
Having read this far you will have recognised that the sudden impact of hospitalisation could be devastating for your finances.
You may have recognised that owning expat medical insurance is an essential product for financial protection.
The selection of your medical insurance provider and the plan chosen is extremely important as it could have long-lasting implications.
Our 30+ years of advising expat clients in relation to medical insurance and the associated claims experiences we have built up, enable us to offer an unrivalled service in helping you select the most appropriate provider and the most appropriate plan specific for your circumstances.
We choose only to advise on those companies that have proven and demonstrable track records of claims handling service.
We are not a 'cost-compare' advisor - price is important but so are:
• Claims handling
• Service standards
• Features & benefits
• Terms & conditions
• Emergency evacuation cover.
Research shows that costs of medical treatment varies widely around the world but even in the less expensive countries you can find yourself saddled with substantial and crippling costs - see below.
Global research of healthcare costs has found that many popular destinations for expats have some of the highest hospital charges in the world.
Surveys looking at the costs for short stays in hospital to treat issues such as stomach problems, gastroenteritis, ear infections and hospital treatment for broken bones revealed that the costs of medical care vary significantly but even in ‘cheaper’ countries you could still face huge bills.
Costa Rica $9,500
In the course of advising expatriates on suitable medical insurance cover we are sometimes confronted with the two following arguments :
• "If I'm seriously ill I'll simply jump on a flight and head back to my home country for treatment" or
• "I'm a UK national and if I need treatments I have paid into the social security system and will therefore be eligible for NHS treatment if I return to the UK"
If either of the above thoughts come to mind get in touch and start a conversation today
Due to liability insurance, airlines have no option but to refuse sick passengers from boarding!
If you have not been resident in the UK, new Government rules allow the NHS to refuse treatment!
Do you really want to be subject to waiting lists that could impact treatment & even survival?