保险对比 2026
William Russell International Student Health Insurancevs.Bupa Global Major Medical
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件 ✓ 更新于 2026年4月 ✓ 独立对比
推荐计划对比：William Russell International Student Health Insurance Silver, Bupa Global Major Medical Premier。每家供应商提供多个等级。
| 功能 | William Russell International Student Health Insurance 查看详情 | Bupa Global Major Medical 查看详情 |
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| GBP | GBP | |
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| $75,000 lifetime limit | Covered up to annual limit | |
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| 18+ (no upper limit) | 18+ (no upper limit on entry for most plans) | |
| Available worldwide except residents of USA, Iran, Libya, North Korea, South Sudan, Syria, or Yemen. Students who choose the UK as their study destination can typically be covered under a Zone 1 or Zone 2 plan. | Available to UK residents (including international students with UK address). Some plans require minimum residency periods. | |
| Underwritten on application — pre-existing conditions usually excluded but reviewed individually | Underwritten on application — disclosed conditions may be excluded or rated; honesty is required | |
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| 访问William Russell International Student Health Insurance → | 访问Bupa Global Major Medical → |
GBP
GBP
$75,000 lifetime limit
Covered up to annual limit
18+ (no upper limit)
18+ (no upper limit on entry for most plans)
Available worldwide except residents of USA, Iran, Libya, North Korea, South Sudan, Syria, or Yemen. Students who choose the UK as their study destination can typically be covered under a Zone 1 or Zone 2 plan.
Available to UK residents (including international students with UK address). Some plans require minimum residency periods.
Underwritten on application — pre-existing conditions usually excluded but reviewed individually
Underwritten on application — disclosed conditions may be excluded or rated; honesty is required
常见问题
常见问题
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.
Yes, especially as a top-up to the NHS. International students on student visas pay the Immigration Health Surcharge (£776/year) for NHS access. Bupa Global Major Medical adds private hospital rooms, faster specialist access, and worldwide cover when travelling — but it's a premium choice, not a budget visa-compliance plan.
Bupa UK is a domestic UK private medical insurer (typically £45-90/month). Bupa Global is the international division offering worldwide cover at a higher price point — designed for expats, international students, and people who travel frequently outside the UK.
No — Major Medical is designed as a top-up to existing day-to-day cover (NHS or domestic insurance). It covers hospital admissions, surgery, cancer care, and mental health, but not routine GP visits or outpatient care. Choose Select or Premier if you want outpatient cover.
For planned treatment Bupa Global requires pre-authorisation via MembersWorld. For emergencies, get the treatment first and contact Bupa within 48 hours. Direct billing is available at most major international hospitals in their network.
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