Income Protection/Medical/Life Insurance

Does anyone have William Russel insurance (Income Protection/Life Insurance/Medical)? We are looking at going with them and I was wondering what your experience has been.


Thank you

Our management and spouses have had William Russel coverage for 2+ years now - none of had any major illnesses but all are pleased. I know a fair bit of comparison was done in advance and they were very competitive...

They are not an insurer as they make out, their policies are underwritten as a third party. Probably ok for low cost short-term coverage i.e. medical. U should checkout the terms for limits, income payouts, etc. carefully as medical insurance is not a big money maker and thus with low premiums hidden restrictions arise when claim time turns up!


It's more of the long-haul that's the risk i.e. retirement, critical illness, etc. who knows what the future (20+ years) holds for them!!! Little assurance for when u retire, u may get a big surprise and it's all too late! U can't go back in-time and rebuild your retirement fund.


Choose a proper insurance company, within HK Insurance Companies are heavily regulated. Let me know if u need more info.