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Travel Health Insurance
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US Visitor & Immigrant Plans
International Health Insurance
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Trip Cancellation Coverage
- Travelex Travel Basic
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- RoundTrip
- HTH Trip Protector
Other International Coverage
Help Me Choose!
- My parents are coming to the US for an extended visit and they are 50 - 69 years old.
- I am a US citizen traveling to Europe on a Schengen visa and need an Embassy letter.
- My parents are coming to the US for an extended visit and they are 70+ years old.
- I am a US citizen living outside of the US and am coming to the US on a visit.
- I am living outside of the US and need permanent health insurance that is lower priced.
- I am living outside of the US and need permanent health insurance with stronger benefits.
- I am a Non-US citizen traveling outside of the US for less than a year.
International Health Insurance > William Russell
| Global Health Essential | Global Health Essential | Global Health Elite | Global Health Elite | Global Health Elite | Global Health Elite | |
|---|---|---|---|---|---|---|
| Essential Care | Essential Care Plus | Bronze | Silver | Gold | Platinum | |
| AREA OF COVER | Full cover in 184 countries | Full cover in 184 countries | World-wide excluding USA | World-wide excluding USA | World-wide excluding USA | World-wide excluding USA |
| RESTRICTED COUNTRIES | Restricted to $50,000 of accident & emergency cover during trips to these countries. Orchid countries are
China, Hong Kong, Japan, Macau, Singapore and Taiwan.
Europe, Australia, New Zealand, Orchid countries (i1) |
Restricted to $50,000 of accident & emergency cover during trips to these countries. Orchid countries
are China, Hong Kong, Japan, Macau, Singapore and Taiwan.
Europe, Australia, New Zealand, Orchid countries (i1) |
None | None | None | None |
| EXCLUDED COUNTRIES | USA, Canada, Caribbean | USA, Canada, Caribbean | World-wide provides up to $100,000 cover during temporary trips to the USA of up to 45 days duration. World-wide Plus provides
up to $250,000 cover during temporary trips to the USA of up to 90 days duration.
USA cover available (i) |
World-wide provides up to $100,000 cover during temporary trips to the USA of up to 45 days duration. World-wide Plus provides
up to $250,000 cover during temporary trips to the USA of up to 90 days duration.
USA cover available (i) |
World-wide provides up to $100,000 cover during temporary trips to the USA of up to 45 days duration. World-wide Plus provides
up to $250,000 cover during temporary trips to the USA of up to 90 days duration.
USA cover available (i) |
World-wide provides up to $100,000 cover during temporary trips to the USA of up to 45 days duration. World-wide Plus provides
up to $250,000 cover during temporary trips to the USA of up to 90 days duration.
USA cover available (i) |
| ANNUAL LIMIT | $200,000 | $300,000 | $800,000 | $1,200,000 | $1,600,000 | $1,600,000 |
| STANDARD EXCESS | Nil | Applied once per claim on out-patient claims only.
$50 (i3) |
Nil | Applied once per claim on all claims.
$50 (i) |
Applied once per claim on all claims.
$50 (i) |
Applied once per claim on all claims.
$50 (i) |
| HOSPITAL TREATMENT | ||||||
| Semi-private accommodation | Full refund | Full refund | If you live in Hong Kong or Singapore, and you pay Orchid rates, you can save 8% by choosing to receive treatment in a semi-private
room.
8% discount (i) |
If you live in Hong Kong or Singapore, and you pay Orchid rates, you can save 5% by choosing to receive treatment in a semi-private
room.
5% discount (i) |
If you live in Hong Kong or Singapore, and you pay Orchid rates, you can save 5% by choosing to receive treatment in a semi-private
room.
5% discount (i) |
If you live in Hong Kong or Singapore, and you pay Orchid rates, you can save 5% by choosing to receive treatment in a
semi-private room.
5% discount (i) |
| Private accommodation | The maximum amount refunded per day towards the cost of a private room.
$120 (i7) |
The maximum amount refunded per day towards the cost of a private room.
$150 (i7) |
Full refund | Full refund | Full refund | Full refund |
| Specialist treatment and surgery | Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
| Parent accommodation | Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
Paid for each night spent in a hospital where no charge is made. Up to a sub-limit per night’s stay, max 60 nights per period of cover.
Hospital cash benefit (i) |
X | X | $40 | $80 | $160 | $320 |
Life-time limit for in-patient and out-patient treatment. Available after 24 months continuous insurance. Cover is limited to 30 days per period
of cover.
In-patient psychiatric treatment (i) |
X | X | $40,000 | $48,000 | $64,000 | $80,000 |
Heart, kidney, liver, lung, heart and lung, and bone marrow transplants.
Organ transplant (i) |
Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
The palliative care of a medical condition that has become terminal.
Hospice care (i) |
$15,000 | $25,000 | $16,000 | $24,000 | $32,000 | $48,000 |
| Road ambulance | $1,200 | $1,600 | Full refund | Full refund | Full refund | Full refund |
| ONCOLOGY | ||||||
Full refund for the treatment of cancer including chemotherapy and radiotherapy.
In-patient and day-patient (i) |
Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
| Out-patient | Full refund for follow-up consultations and tests within one year from surgery or completion of chemotherapy
or radiotherapy for Essential Care, and within two years for Essential Care Plus.
Full refund (i13) |
Full refund for follow-up consultations and tests within one year from surgery or completion of chemotherapy
or radiotherapy for Essential Care, and within two years for Essential Care Plus.
Full refund (i13) |
Full refund for follow-up consultations and tests for Silver, Gold and Platinum and within one year from surgery or completion
of chemotherapy or radiotherapy for Bronze.
Full refund (i) |
Full refund for follow-up consultations and tests for Silver, Gold and Platinum and within one year from surgery or completion
of chemotherapy or radiotherapy for Bronze.
Full refund (i) |
Full refund for follow-up consultations and tests for Silver, Gold and Platinum and within one year from surgery or completion
of chemotherapy or radiotherapy for Bronze.
Full refund (i) |
Full refund for follow-up consultations and tests for Silver, Gold and Platinum and within one year from surgery or completion
of chemotherapy or radiotherapy for Bronze.
Full refund (i) |
| OUT-PATIENT TREATMENT | ||||||
| Emergency ward treatment | X | Full refund up to the annual out-patient treatment sub-limit of $1,000 for Essential Care, $5,000 for Essential
Care Plus.
Full refund (i15) |
X | Full refund | Full refund | Full refund |
| Out-patient surgical procedure | Full refund up to the annual out-patient treatment sub-limit of $1,000 for Essential Care, $5,000 for Essential
Care Plus.
Full refund (i15) |
Full refund up to the annual out-patient treatment sub-limit of $1,000 for Essential Care, $5,000 for Essential
Care Plus.
Full refund (i15) |
Full refund | Full refund | Full refund | Full refund |
| GP and specialist consultations, treatments and tests | Full refund up to the annual out-patient treatment sub-limit of $1,000 for post-hospital treatment received within
90 days of being discharged from hospital.
Full refund (i16) |
Full refund up to the annual out-patient treatment sub-limit of $5,000.
Full refund (i17) |
Full refund for post-hospital treatment received within 90 days of being discharged from hospital.
Full refund (i) |
Full refund | Full refund | Full refund |
| Complimentary medicine | X | X | Restricted to treatment by a chiropractor, osteopath, homeopath and acupuncturist. Full refund if post-hospital treatment
received within 90 days of being discharged from hospital. Maximum of 10 visits per period of cover.
Full refund (i) |
Restricted to treatment by a chiropractor, osteopath, homeopath and acupuncturist. Full refund up to a maximum of 10 visits
per period of cover.
Full refund (i) |
Restricted to treatment by a chiropractor, osteopath, homeopath and acupuncturist. Full refund up to a maximum of 10 visits
per period of cover.
Full refund (i) |
Restricted to treatment by a chiropractor, osteopath, homeopath and acupuncturist. Full refund up to a maximum of 10 visits
per period of cover.
Full refund (i) |
Traditional Chinese medicine by practitioners registered in China. Up to a limit per visit, maximum 10 visits.
Traditional Chinese medicine (i) |
X | X | X | $32 | $32 | $32 |
Available after 12 months continuous insurance towards the cost of an annual medical check-up, a cervical smear test and mammogram for women, a
prostrate cancer test for men.
Well-being benefit (i) |
X | X | X | $240 | $400 | $480 |
| Well-child benefit | X | X | X | X | X | Full refund up to a life-time limit towards the cost of routine vaccinations and developmental check-ups for your child.
Available once your child has been insured by Platinum for 12 months continuously. NB: There is no waiting period for a child born to a mother who has been insured on Platinum for a continuous
12 months and the child is added to the plan within the first 28 days of life.
$500 (i) |
Maximum of 12 weeks per year.
Home nursing (i) |
X | X | Full refund | Full refund | Full refund | Full refund |
| Out-patient psychiatric care | X | X | Available after 24 months continuous insurance. Full refund up to a life-time limit for in-patient and out-patient treatment,
for post-hospital treatment received within the 90 day period following discharge from hospital. Maximum 10 consultations per period of cover.
$40,000 (i) |
Available after 24 months continuous insurance. Full refund up to a life-time limit for in-patient and out-patient treatment.
Maximum 10 consultations per period of cover.
$48,000 (i) |
Available after 24 months continuous insurance. Full refund up to a life-time limit for in-patient and out-patient treatment.
Maximum 10 consultations per period of cover.
$64,000 (i) |
Available after 24 months continuous insurance. Full refund up to a life-time limit for in-patient and out-patient treatment.
Maximum 10 consultations per period of cover.
$80,000 (i) |
| Physiotherapy | For post-hospital treatment received within the 90 day period following discharge from hospital.
$250 (i27) |
$250 | For post-hospital treatment received within the 90 day period following discharge from hospital.
$400 (i) |
$800 | $1,600 | $4,000 |
| CHRONIC CONDITIONS | ||||||
| Monitor and maintain | X | X | X | $1,000 | $2,000 | $30,000 |
| MATERNITY CARE | ||||||
Available after 12 months continuous insurance. In-patient treatment necessary as a direct result of a complication of pregnancy. NB: No cover
is provided for childbirth or emergency caesarean section.
Complications of pregnancy (i) |
X | $5,000 | $4,800 | $6,400 | $9,600 | Full refund |
| Routine maternity care and childbirth | X | X | X | X | 80% costs up to limit per pregnancy. Available after 12 months continuous insurance. Pre-natal, childbirth and post-natal treatments
and examinations, and caesarean sections.
$6,400 (i) |
Full refund up to limit per pregnancy. Available after 12 months continuous insurance. Pre-natal, childbirth and post-natal
treatments and examinations, and caesarean sections.
$12,000 (i) |
Available after 12 months continuous insurance per pregnancy. Hospital accommodation treatment and charges incurred during the first 28 days of
life.
Cover for newborns (i) |
X | X | X | X | $40,000 | $48,000 |
| DENTAL CARE | ||||||
Required to restore sound, natural teeth following an accident and received within 15 days of the accident.
Emergency in-patient dental (i) |
$2,500 | $5,000 | $4,800 | $8,000 | $12,800 | Full refund |
Required on natural teeth following an accidental injury and carried out within 72 hours of the accident.
Emergency out-patient dental (i) |
X | X | X | $400 | $800 | $1,200 |
Annual screening, preventive scaling, polishing, sealing, fillings (amalgam or composite fillings only), extractions and root canal treatment received
after 6 months continuous insurance.
Routine dental treatment (i) |
X | X | X | X | $1,000 | Full refund up to the limit for routine dental and complex dental treatment.
$2,000 (i) |
Treatment for crowns, in-lays and bridges received after 12 months continuous insurance.
Complex dental treatment (i) |
X | X | X | X | X | Full refund up to the limit for routine dental and complex dental treatment.
$2,000 (i) |
| EMERGENCY EVACUATION | ||||||
| Emergency evacuation | Full refund up to the total annual benefit limit for Essential Care and Essential Care Plus.
$200,000 (i37) |
Full refund up to the total annual benefit limit for Essential Care and Essential Care Plus.
$300,000 (i37) |
$800,000 | $800,000 | $800,000 | $800,000 |
Full refund of economy return airfare to your country of residence.
Return airfare (i) |
Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
Full refund of economy class travel.
Travelling expenses of a companion (i) |
Full refund | Full refund | Full refund | Full refund | Full refund | Full refund |
Paid per night up to a maximum of 15 nights per period of cover.
Accommodation expenses of a companion (i) |
X | X | $72 | $96 | $120 | $160 |
Your return economy airfare to attend the funeral of a close family member (i.e. your spouse, parent, brother, sister, child or grand-child). Limited
to one claim per insured person.
Compassionate home travel (i) |
X | X | Full refund | Full refund | Full refund | Full refund |
If you die whilst outside your home country.
Repatriation or burial of mortal remains (i) |
$5,000 | $10,000 | $8,000 | $11,200 | $16,000 | $20,000 |
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