The National Health System (NHS) gives healthcare coverage to all legal residents irrespective of nationality, visa status or tax or insurance contributions.
Also, international students in the UK will benefit from the NHS in the same way as the citizen of British.
However, to register for the NHS, international students will pay the surcharge at the same time when they apply for a UK student visa.
The following are the things you need to know about the best health insurance for international students in the UK.
READ MORE: How Much Is Insurance For International Students USA
What Is Health Insurance?
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When you climb mountains, and run around your kids in front of the TV, you don’t think about what happens when pangs and pains can mean something more serious. And should that happen you need the best care you can have.
This is when health insurance comes in. It covers the pay of your private healthcare costs if you need treatment for a short-term medical condition.
This will help you to feel more in control of when, how and where you and your family are treated. The quality care you need, without the wait the worries and the wallet to empty bills.
How Does Health Insurance Work?
You choose the healthcare benefits that they need and pay a premium. When you have a short-term illness or injury and are referred by the GP. You will be helped to have a wide range of quality private facilities and hospitals.
Also, the terms that are used in health insurance sound like language so you need to put the glossary together.
Best Health Insurance International Students In the UK
Bupa
This company is called the “British United Provident Association” but today they are known as BUPA a private company limited by guarantee without shareholders.
They provide services that are more than 27 million people across the globe, employing around 86,000 people in the process. As their headquarters is suited in London.
AXA PPP
They are part of the world’s largest insurance groups. AXA has offered more than 50 million customers throughout the world (individuals and businesses) and has approximately 110,000 employees and distributors worldwide. They operate in more than 50 countries.
AXA PPP Healthcare will help people to access the medical care they need for more than 75 years. It paid out £934.6m in healthcare benefits in 2015 alone.
Vitality
This healthcare insurance offers one of the UK’s most comprehensive private medical insurance plans. In-patient and day-patient care advanced cancer cover, 24-hour access to GPS and mental health support are included in the standard.
The flexibility cover options to tailor your health insurance to suit your needs.
Furthermore, this promotes healthier lifestyles, and provides tools, information and rewards, to encourage the members to get active.
Freedom
It offers you to be specified lump sum cash payment for the use of procuring your private medical treatment.
Alternatively, when you opt for treatment through the NHS for the policy that will pay 50% of the specified benefits to you as a cash sum.
Aviva
The UK’s largest insurance company is one of the biggest in Europe in history going back over 300 years. Aviva has more than 32 million customers worldwide which are approximately 16 million in the UK.
They offer a wide portfolio of products to cover insurance, investments, retirement and healthcare.
The brand was launched in 2002 and this represents the merger of previous household name major insurers like Commercial Union, Norwich Union, and General Accident.
Things Student Health Insurance For International Students Cover
This health insurance covers illness, medical emergencies, and treatment when you study abroad. Some of the basic coverage includes the following:
- Out-patient medical treatment. You will receive medical attention or recover while hit hospitalized. Things like walk clinics, and physician visits.
- In-patient medical treatment. They receive medical care when hospitalised. Things like a hospital room, ICU, anaesthesia and surgery.
- There is a cover for prescription medication.
- The X-rays and lab work.
- There is a cover for any emergency evacuation. Sometimes when you get I’ll and you need to receive medical attention in your own country or somewhere else abroad. Then you will be covered by the resulting costs.
- For dental emergencies that include broken teeth.
Moreover, depending on the plan you can have coverage for the following as well:
- Injuries happen when playing sports.
- Non-emergency dental coverage is fillings, checks etc.
- Local ambulances.
- Mental health.
Is It Possible To Include Dependents On Student Health Insurance?
When your school offers you a health insurance policy to subscribe to constantly then you are not allowed to add your dependent family members.
If they allow it, then it will be expensive. Maybe you are not inclined to accept this, but you have the following options:
You can get family health insurance from an international company. If you can opt out of your school’s plan, then the good option for you get a family health insurance plan.
Some companies even allow young children to be added to the plan at no extra cost.
You can get international insurance only for your dependents. If your school has an insurance plan then you can’t opt out of, then you will purchase a separate international health insurance plan for your family members, as you keep the one offered.
READ MORE: International Student Health Insurance For Study Abroad
Conclusion
There is various best health insurance for international students in the UK as it has been stated earlier in the article. So make sure you apply for the one you meet the requirement. For more kindly Join Us Here
