William Russell Health Insurance

An independent review by our team of experts.

Review summary

William Russell

William Russell started as a family business 25 years ago, and has become a leading international insurance provider. Currently, it serves customers in over 160 countries with several plans underwritten by the Allianz Group.

William Russell’s philosophy is to provide customers with a personal touch through honest communication and consistent support around the world.

In the UAE they have partnered with Dubai Insurance, established in 1970. Dubai Insurance was the first local insurance company to be formed in the UAE as a public shareholding company.

Overview

William Russell provides medical insurance plans to individuals, families and corporates in the UAE.  All the health insurance plans provide high quality customer service, with a personal touch.

Individual medical insurance plans:

William Russell offers the below ‘Elite’ plan range for residents of Dubai looking for individual or family insurance. The Elite plan provides swift, cashless access to healthcare in Dubai’s premium medical facilities through partnership with Neuron (the country’s leading medical network provider).

Elite Silver health insurance plan:

  1. Policy year maximum plan benefit of AED 9,175,000
  2. Full cover for everyday healthcare, including visits to the doctor, prescribed drugs, specialist visits, treatment and tests
  3. Pre-operative tests and advanced diagnostic tests such as MRI and CAT scans
  4. Treatment received when admitted to hospital, and post-hospital follow-up consultations and tests
  5. Treatment for cancer, including genome testing of malignant tumors
  6. Organ, bone marrow, and tissue transplants, including up to AED 91,750 cover for donor costs
  7. Reconstructive surgery after surgery for cancer or an accident
  8. Cover for long-term conditions such as diabetes and asthma
  9. A well-being benefit covering vaccinations and preventive health checks
  10. An annual well-child benefit.
  11. Cover for physiotherapy sessions
  12. Routine maternity care, childbirth, and complications of pregnancy
  13. An optional dental plan covering routine dental and complex dental care (waiting periods apply)
  14. International benefits such as medical evacuation, 24/7 emergency medical assistance, and cover for compassionate home travel

Elite Gold health insurance plan:

  1. Policy year maximum plan benefit of AED 18,350,000
  2. All the above benefits of the Elite Silver plan plus
  3. Increased cover for routine maternity care, and full cover for complications of pregnancy
  4. Enhanced cover (up to AED 367,000) for newborn babies in the first 90 days of their life
  5. Extended duration of cover for rehabilitation treatment following in-patient medical treatment
  6. Higher cover for treatment arising from HIV/AIDS
  7. Enhanced well-being benefit
  8. Cover up to 18 months for hormone replacement therapy
  9. Routine dental benefits as standard, including screening, root canal treatment, and preventive scaling, polishing and sealing. Option to add complex dental care (waiting periods apply)
  10. An AED18,350 cash benefit upon first diagnosis of cancer
Corporate medical insurance plans

Employers in the UAE can provide world-class health insurance plans for their employees with William Russell’s Elite Corporate plans and Neuron. The Elite Corporate plans are flexible and can be tailored according to individual needs within employee groups. The plans can also cover employees anywhere in the world.

Elite Silver corporate plan:

  1. Policy year maximum plan benefit of AED 9,175,000
  2. Everyday healthcare costs, including visits to the doctor, prescribed drugs, specialist visits, treatment and tests.
  3. Pre-operative tests and advanced diagnostic tests such as MRI and CAT scans.
  4. Treatment received when admitted to hospital. Treatment for cancer, including genome testing of malignant tumors.
  5. Organ, bone marrow, and tissue transplants, including up to AED 91,750 cover for donor costs.
  6. Reconstructive surgery after surgery for cancer or an accident.
  7. Cover for long-term conditions such as diabetes and asthma.
  8. A well-being benefit covering vaccinations and preventive health checks.
  9. An annual well-child benefit.
  10. Cover for physiotherapy sessions.
  11. Routine maternity care, childbirth, and complications of pregnancy.
  12. An optional dental plan covering routine dental and complex dental care (waiting periods may apply)
  13. International benefits such as medical evacuation, 24/7 emergency medical assistance, and cover for compassionate home travel.

Elite Gold corporate plan:

  1. Policy year maximum plan benefit of AED 18,350,000
  2. All of the above plus
  3. Increased cover for routine maternity care, and full cover for complications of pregnancy
  4. Enhanced cover (up to AED 367,000) for newborn babies in the first 90 days of their life
  5. Extended duration of cover for rehabilitation treatment following in-patient medical treatment
  6. Higher cover for treatment arising from HIV/AIDS
  7. Enhanced well-being benefit
  8. Cover for up to 18 months for hormone replacement therapy
  9. Routine dental benefits as standard, including screening, root canal treatment, and preventive scaling, polishing and sealing. Option to add complex dental care (waiting periods may apply)
  10. An AED 18,350 cash benefit upon first diagnosis of cancer (waiting periods may apply)

For a complete list of benefits with details and limitations under the above plans, please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • Well established
  • Over 25 years’ experience
  • Customers enjoy access to the Neuron app.
  • Offer 3 tiers of network access
  • Discounts for children on family plans

The cons

  • Limited to two plans – Gold and Silver
  • Lacks flexibility
  • Rates aren’t as competitive as other international providers' rates
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with William Russell?

Please refer to the brochure in the additional resources section below.

How long does it take for a claim to be processed?

After submitting a claim, reimbursements can be expected within 10-15 working days.

How do I submit a claim?

You can submit claims through the Neuron mobile app available on the App Store or Google Play store.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can review the claim status via the Neuron mobile app available in the App Store and Google Play stores.

Alternatively, you can email enquiries@globalplans.ae to follow up on your claim.

If you have any questions, feel free to call their UAE helpline on +971 4 269 7708

Customer reviews
Overall we're pleased

We hummed and hawed with William Russell - as a group we were less than satisfied with the rigidity of their plans.  We were concerned about paying for services not required...

But, various factors swayed us - and we have now been with William Russell for some time.  Feedback is great from employees...the main thing that makes them stand out is their customer service, which this review from AES touches on.

As a group, it remains the key reason we keep renewing with William Russell.

Expert verdict
Expert Assessment of William Russell

William Russell is a well-known and well established company in the UAE, especially with its partnership with Dubai Insurance - which is the oldest insurance company in the region.

However, William Russell’s plans are rigid and haven’t been changed to match the changes in the market. Therefore, other insurers that offer modular plans often prove to be more competitive in their offering and prices.

On the plus side, customers enjoy access to the Neuron app for swift claims and health insurance related enquiries.

William Russell has a high client retention rate as they focus on providing quality customer service, with the help of dedicated account managers.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

    Additional resources

    View all Reviews

    Request your X-Ray Review™ today!

    Because you deserve better results - nothing less.