Are you planning to move to the UK or have you already done so and probably don’t know how to go about the health insurance process? As an immigrant, health insurance plays a vital role in laying a solid foundation for your future.
The UK has never closed its doors to immigration. Foreigners have always been drawn to this country because it offers a plethora of economic opportunities and no language barrier, well, only if you speak English poorly.
However, there are a lot of logistical challenges for visitors from abroad making their first trip to the UK. The first thing you should pay attention to is how to get UK health insurance.
How to Apply for UK Health Insurance for Immigrants
The United Kingdom has different types of health insurance and the sweet part of it is that International citizens have access to all the UK health insurance plans.
If you will be in the country for less than six months, you will need to get medical coverage for your trip with the help of personal travel insurance.
Any foreign national residing in the UK should consider getting separate health insurance. This could be either local or international depending on whether you want to stay or away for an extended period.
Steps to Choose Your Health Insurance Company
The market for health insurance in the UK isn’t as large as it is in many other nations. There are still lots of options, though, It is up to you to select the supplier.
You might have to choose a business that your employer has a partnership with if your employer provides private insurance. Unless they let employees choose their insurance, that is.
There are several factors you should take into account when selecting a health insurance company. Among them are:
- Premium expenses;
- Whether more family members can be covered;
- Which ailments and treatments are covered;
- If you are covered when you travel abroad
Immigrants who have intentions of relocating to the UK whether temporary or permanent are expected to have health insurance.
Having health insurance is not mandatory for immigrants, you are free to select your provider. Remember that UK health insurance is the cornerstone of your future.
Are Immigrants Able to Access the UK Healthcare System?
The National Health Service is a national healthcare program that is not supported by health insurance but rather by public funds obtained through taxes.
It strives to offer universal access to free healthcare as much as possible. With 1.5 million workers, the NHS has one of the largest workforces in the world, with a body distinct to each UK region.
In order to take advantage of the healthcare services offered by the National Health Service (NHS), ensure that you get legal and permanent residency in the United Kingdom.
What is the Cost of UK Health Insurance?
According to the most recent data, a single health insurance policy in the UK will cost an average of £41.58 in 2024, couples will pay an average of £77.42, and families with four members will pay an average of £95.19.
The need for health insurance, often known as private medical insurance, has grown dramatically over the last three years as a result of the growing issues with NHS waiting times.
However, the average yearly cost of private health insurance is approximately £1,020. On the other hand, basic plans start at about £500. Experience has also shown that most households currently pay between £70 and £100 a month for health insurance.
Benefits of Getting Health Insurance in the UK?
The NHS is a globally recognized healthcare provider, but it can’t always keep up with demand.
In addition, facilities might differ based on the location, which makes some individuals opt to get private health insurance. Benefits of private health insurance include;
1. There are more options for GPs and hospital facilities, which allow you to different kinds of treatments, including certain specialized procedures not covered by the NHS (such as complementary and dental therapies);
2. Lower wait times since fewer people are using the services.
3. More upscale care (private hospital rooms, for example).
