William Russell
William Russell International Student Health Insurance
UK family-run insurer backed by Allianz — three flexible plans (Bronze, Silver Lite, Silver) with worldwide cover and dedicated personal advisers
From from £93/mo–178/mo
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Bronze
From from £93 /month
- Outpatient: Post-hospital care only
- Dental: Emergency only after accident
- Mental health: $50,000 lifetime limit
Silver Lite
From from £138 /month
- Outpatient: $5,000 annual limit
- Dental: Optional add-on
- Mental health: Covered
Most Popular for Students
Silver
From from £178 /month
- Outpatient: No annual limit
- Dental: Optional add-on
- Mental health: $75,000 lifetime limit
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Bronze | Silver Lite | Most Popular for Students Silver |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | Post-hospital care only | $5,000 annual limit | No annual limit |
| Hospital (Inpatient) | Not covered | Not covered | Not covered |
| Medication | Not covered | Not covered | Not covered |
| Deductible / Co-pay | Not covered | Not covered | Not covered |
| Dental & Vision | |||
| Dental Care | Emergency only after accident | Optional add-on | Optional add-on |
| Dental Budget | Not covered | Not covered | Not covered |
| Vision | Not covered | Not covered | Not covered |
| Additional Benefits | |||
| Mental Health | $50,000 lifetime limit | Covered | $75,000 lifetime limit |
| Pregnancy & Maternity | Not covered | Not covered | Not covered |
| Telemedicine | | | |
| Repatriation | | | |
| Visa Compliant | | | |
| Apply Bronze → | Apply Silver Lite → | Apply Silver → | |
Bronze
Silver Lite
Silver Most Popular for Students
Core Coverage
Outpatient Treatment
Post-hospital care only
$5,000 annual limit
No annual limit
Hospital (Inpatient)
Not covered
Not covered
Not covered
Medication
Not covered
Not covered
Not covered
Deductible / Co-pay
Not covered
Not covered
Not covered
Dental & Vision
Dental Care
Emergency only after accident
Optional add-on
Optional add-on
Dental Budget
Not covered
Not covered
Not covered
Vision
Not covered
Not covered
Not covered
Additional Benefits
Mental Health
$50,000 lifetime limit
Covered
$75,000 lifetime limit
Pregnancy & Maternity
Not covered
Not covered
Not covered
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
UK-based with personal account adviser — same team member each contact
Underwritten by Allianz, one of the world's largest insurance groups
30-day money-back guarantee if you have not made a claim
Three plan tiers from Bronze (~£93/month) to Silver (~£178/month)
Plans denominated in your choice of GBP, USD, or EUR
Not Covered
Smaller insurer than Bupa or Cigna — less brand recognition with universities
USA cover is restricted on most zones — not ideal for UK students who also study/intern in USA
Pre-existing conditions usually excluded after underwriting
Bronze plan only covers post-hospital outpatient care — no routine GP visits
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
Frequently Asked Questions about William Russell International Student Health Insurance
William Russell is a smaller, family-run UK insurer offering more personal service — you typically speak to the same adviser each call. Pricing is competitive (Bronze from ~£93/month) and the underwriting is by Allianz. It suits students who value personal contact and don't need the massive brand network of Bupa or Cigna.
Zone 1 covers most countries worldwide (with restricted USA cover) — best for international students moving across countries. Zone 2 is cheaper but excludes the USA. Most UK-based students choose Zone 1 to maintain cover during travel home and elsewhere in Europe.
If you are not happy with your William Russell plan within 30 days of the start date and have not made any claims, William Russell will refund the full premium — no questions asked. This gives students confidence to try the plan risk-free.
All plans include emergency dental cover after an accident. Routine dental is an optional add-on on Silver Lite and Silver, or included as standard on the Gold plan ($1,500/year). Bronze does not include routine dental.
Ready to Get Insured?
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