How to Apply For UK International Student's Health Insurance.
Health insurance should be one of your top objectives if you're planning to study in the UK because the expense of healthcare there may frequently be far greater than what you're used to. For information on how to apply for and what to watch out for when choosing foreign student health insurance in the UK, please read this article.
Through the European Health Insurance Card, UK students who pursue their studies abroad in another member state of the European Union (EU) are eligible for free or reduced-cost medical treatment (EHIC). When traveling to other EU nations, the EHIC enables you to access medical care, visit hospitals, and fill prescriptions at local rates. Make sure you have health insurance before your studies abroad because of the rising travel and healthcare costs.
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Relating to UK education
The UK provides overseas students with various educational choices, including research programs and two-year undergraduate degrees. But keep in mind that living expenses in the UK might be considerable, so be sure to have adequate cash before you go. Getting a job on or off campus is one method to save money, but your visa will have restrictions on where you may do it. Additionally, if you are not qualified for a National Health Service number (NHS number), you must get private health insurance that includes coverage for medical expenditures overseas.
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What is travel insurance?
Travel insurance is designed for people planning to travel outside the country. It provides coverage for incidents that may happen while you're overseas and can be purchased before or after your trip. Travel insurance covers unforeseen injuries, illness, and lost baggage. There are a variety of options when it comes to travel insurance. You have the option of choosing different levels of coverage and paying based on your budget. The four major types of travel insurance cover: health, emergency medical evacuation, trip cancellation/interruption, and repatriation.
Why are international students required to purchase insurance?
Who needs it?
International students applying for a visa in the UK need to have health insurance. The good news is that there are many affordable options for international students, including those on low incomes. Read on for more information about how you can apply and what this type of insurance covers. The first step to getting UK International Students Health Insurance is finding an insurer. Several insurers provide plans for students living in the UK, offering different levels of coverage at different prices.
What does travel insurance cover?
Travel insurance costs are influenced by age, health, and destination. Single-trip insurance is the most popular kind; it has a short validity and may be acquired up to two weeks before departure. UK International Students Health Insurance provides coverage for various medical services, including preventative care, dental work, hospitalization, and emergency ambulance transportation fees.
Please get in touch with our 24-hour customer service hotline for more questions regarding the UK International Students Health Insurance.
What are the best travel insurance providers for international students in the UK?
Do International Students in the UK Need Private Health Insurance?
International students in the UK do not need to purchase a private health insurance policy for visa application or enrollment. You can get private insurance, so you have coverage if you want to get medical treatment in private clinics or hospitals in the UK, but it is unnecessary. The NHS covers most things you need and is used by most British citizens and residents.
How Much Do International Students Have to Pay for Health Insurance in the UK?
International students in the UK have to pay £470 per year for health insurance. This is called an Immigration Health Surcharge (IHS), and you must pay it along with the visa fee when applying for a student visa. You also have to pay a separate IHS for each dependent joining you, if any.
The Immigration Health Surcharge (IHS) is a fee everyone coming to live in the UK has to pay so they can access NHS benefits. If your study course is shorter than six months, the charge is only £235.
You can use this calculator to determine how much you have to pay for the Immigration Health Surcharge.
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How to Pay the UK Student Immigration Health Surcharge?
The Immigration Health Surcharge is a fee you must pay when requesting a UK student visa. You must deliver the IHS with a debit or credit card throughout the application procedure if you submit your visa application online. After being sent to a different website, you have 30 minutes to finish the payment before returning to the visa application.
If you mail your application, you must first apply for a visa and make the IHS payment online. The visa, email address, and passport number must all be provided.
After receiving the money, you will be given an IHS reference number to use with your visa application.
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How Does the NHS Work for International Students in the UK?
Once you pay the Immigration Health Surcharge, you will be registered to the NHS, and you can benefit from national-level healthcare during your studies. Under the NHS, you do not need to pay anything for:
- Consulting with your doctor or visiting a walk-in clinic.
- Hospital treatment after an emergency (A&E).
- Treatment for minor-injury treatment in a public clinic.
- Consultation or treatment with a specialist when referred by your GP.
- Contraception
The NHS, in most cases, does not cover the cost of the following:
- Prescription medication.
- Dental care.
- Eye care, such as sight tests, glasses, or contact lenses.
- Wigs and fabric support.
After arriving in the UK, you must register with a local General Practitioner (GP) clinic, the first place you must head to seek medical treatment or consultation.
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What Are General Practitioners (GP)?
Doctors serving under the NHS are known as General Practitioners (GP). They work in local clinics and with other doctors, nurses, and administrative staff. You should register with a GP so there is a doctor in charge of your ongoing healthcare, and you have a point of reference for medical concerns.
GPs will keep track of your medical history and records and refer you to medical specialists or consultants if you need more specific treatment.
How to Register With a GP as an International Student in the UK?
Most GPs in the UK will have a website through which you can register. If online registration is impossible, you could call or email them or visit the clinic in person. You will need your student residence card, IHS reference number, and a GMS1 registration form to register. You can find a local GP on the NHS website based on your town, city, or postcode.
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Doctor’s Visit in the UK for International Students
In the UK, seeing a general practitioner or walk-in clinic is free for international students. You will have to wait your turn if you visit a walk-in clinic during business hours. You might schedule an appointment with your doctor to avoid the lengthy wait. However, depending on how busy the clinic is, you could still have to wait a few days before receiving your choice.
Head to the reception when you arrive for your appointment to let them know you are there and, if you have one, to provide your appointment card. They will point you toward your doctor, who will examine you, make a diagnosis, and recommend you for more care.
You can receive a consultant or specialist referral from your general practitioner. If you get a referral letter from a GP, the NHS will only pay for visits to a medical expert. If not, you are responsible for covering the fees of the professional.
NHS Number for International Students
After registering with the NHS, you will receive an NHS number. Each NHS number is unique to an individual and allows medical providers to keep track of and access your health records. You do not need this number to book a doctor’s appointment or to access NHS services; it is simply for identification and record keeping.
If you need it, you can find your NHS number, doctor’s prescriptions, lab results, and appointment letters via the NHS website.
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Is Dental Care Covered With NHS?
International students are usually not eligible for free dental treatment under the NHS. However, most preventative procedures are very affordable. There are three bands of payment for dental care in the UK:
Examination, diagnosis, preventative care, and emergency care such as pain relief or a temporary filling: £23 80.
Existing fillings, root canals, or tooth extractions cost about £65.20.
All the treatment in Bands 1 and 2, as well as specific, more complicated procedures, such as crowns, dentures, and bridges: £282.80.
You only pay once, even if the treatment requires more than a single trip within two months.
Only minors (under 18 years of age), hospital inpatients, pregnant women, or women who have had babies in the last 12 months are eligible for free dental care.
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Is Prescription Medication Covered With NHS?
As an international student, you usually have to pay for any prescription medication unless you fall in one of the exemption categories:
- You are a hospital inpatient.
- You are pregnant or had a baby in the last 12 months.
- You are under the age of 18.
- You have a medical condition such as cancer, diabetes, or epilepsy and have a medical exemption certificate (MedEx).
Currently, a prescription charge under the NHS is £9.35 per item. You could save on some prescription costs if you get a prescription prepayment certificate (PPC). There are two PPCs:
3-month PPC – £30.25
12-month PPC – £108.10
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Final Thought
International students should research health insurance options that will cover them in the country or if they intend to stay. The US has strict regulations, making applying for a health plan without an I-20 or DS-2019 form challenging. Several businesses provide insurance and coverage for overseas students with F-1 Visa status. One such business is HI3, which offers international student health coverage for students studying abroad. It was developed by a group of professionals with more than 60 years of expertise in healthcare provision.
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