Can I include local nationals?
We can include local nationals, provided they represent a proportion of less than 25% of your group. Please note however that we cannot insure any local nationals in the USA or Canada.

What is the minimum group size?
The minimum to qualify for the 15% group discount is three, but we can set up a group plan with one or two employees by charging our individual premium rates.

How much will it cost?
The cost of your Corporate Global Health Plan depends on the ages of your employees and their dependants, the plan type you choose, the excess you select and the area of cover you need. To review all your options please contact our sales advisors.

Is there an age limit?
The maximum age limit is 69 unless otherwise agreed with William Russell Limited.

Is it necessary for all employees to be covered by the same plan type?
No, you decide which plan type and area of cover each employee needs. Dependants may also apply for a different plan type.

Do you cover out-patient treatment and consultations?
Yes, out-patient treatment and consultations are covered under our Premier Care and Premier Plus Plans. There is an excess of £25 or $40 or €37.50 on out-patient claims. Under the Select Care Plan, cover for out-patient treatment is restricted to post-hospital treatment received during the three month period after discharge from hospital.

What is the excess?
The excess is the amount of each claim you have to pay yourself. The excess is applied per claim (i.e. per condition) per period of cover. The standard excess of £25 or $40 or €37.50 relates to out-patient treatment only (and dental treatment on Premier Plus). You can reduce your premiums by increasing your excess, there a number of options available please click here for details. If you choose an increased excess, your chosen excess will be applied to the whole claim. (i.e.not just the out-patient expenses). When you renew your policy the excess will be applied again.

Will the insurance be effective world-wide?
Yes, all our plans offer world-wide cover. However, the lowest priced area of cover will restrict cover in the USA and Canada to accident and emergency cover only. Accident and emergency cover means essential treatment required if an insured person suffers an accident or a sudden illness whilst on a temporary trip to the USA or Canada. You should take the "World-wide" cover option if you wish employees to be able to return to North America for medical treatment.

Can an American/Canadian take the "World-wide" cover option?
Provided he or she does not actually live in the USA/Canada they can take the world-wide cover option. However, if they spend more than 90 days in the USA/Canada during any period of cover, their cover will automatically cease with effect from day 91.

What happens if an employee has a sudden illness or an accident in a location where the medical facilities are limited?
Emergency medical evacuations are covered by all our plans. If an employee has a life-threatening medical condition which cannot be treated locally and which requires immediate hospitalisation, our assistance service will arrange to have him/her evacuated to the nearest country where the treatment required is available. The plan will also pay for another insured person to accompany them. Once their treatment is complete, the plan will pay for their return flights to their country of residence.

Who provides the assistance service?
International SOS provides our assistance service; they are the world's largest independent assistance company. Employees will be issued with an insurance membership card giving the International SOS emergency helpline telephone number. Employees can call this number if they ever need emergency medical assistance or need to be admitted to hospital. International SOS are multi-lingual medical professionals on call 24 hours a day.

Is pregnancy covered?
Yes, the Premier Plus Plan covers routine maternity care after 12 months continuous cover. All plans provide cover for in-patient treatment required as a result of complications of pregnancy.

Is dental treatment covered?
Yes, the Premier Plus Plan covers routine dental treatment after 6 months continuous cover. Emergency dental treatment following an accident is covered by all the plans.

Do you cover routine, preventive health checks?
Yes. After you have been covered by the Premier Care or Premier Plus plans for a minimum period of 12 months you can claim for the cost of a general medical examination and women can claim for an annual cervical smear test and mammogram, and men for an annual prostate cancer test. Cover is limited to £150/$240/€225 under the Premier Care plan and to £250/$400/€375 under the Premier Plus plan, after your excess has been applied.There is no cover for preventive health checks under our Select Care plan.

Are sporting activities covered?
Yes, provided your employees are not participating in professional sports there are no exclusions relating to sporting activities under the Corporate Global Health Plan. However, hazardous sports and activities are not covered by the Travel Plan or the Personal Accident Plan unless the employee has declared that they participate in a particular activity and we have agreed in writing to cover them for that activity.

Can employees choose where they have their medical treatment?
Yes, they are free to use the doctor or hospital of their choice.

How quickly will you settle our claims?
We are currently settling claims within five working days from receipt of the fully completed claim form and the original bills. Claims can be settled in any currency and hospital bills can be settled direct ensuring that employees will not be out of pocket at any time.

What isn't covered by the Global Health Plan?
A full list of the things we do not pay for can be found in the Corporate Global Health plan agreement. It is important to note that we do not pay for the treatment of pre-existing conditions. A pre-existing condition is defined as any medical condition that has been diagnosed, has required medical treatment (including prescribed drugs), or for which medical advice has been sought (including check-ups) or for which symptoms have occurred (whether investigated or not but where the insured person would reasonably have been aware of such symptoms) prior to their date of entry to the plan. Other exclusions include the treatment of drug and alcohol addiction/dependency or HIV/AIDS. Please refer to the Corporate Global Health plan agreement for a complete list of exclusions.