Whether insurance is compulsory for students coming to London depends on a few factors, including the length of their stay and their visa status.
- Students with a Tier 4 General Student Visa (more than 6 months) are entitled to access the NHS, so they do not need to purchase private medical insurance. However, it is still recommended to have private insurance, as it can provide you with additional coverage, such as for dental care, travel insurance, and repatriation.
- Students with a Tier 4 General Student Visa (under 6 months) are not eligible to access the NHS, so they must purchase private medical insurance. This is also the case for Student Visitors, who are students who are studying in the UK for a short period of time (up to 6 months).
- Students from the EEA and Switzerland do not need to purchase private medical insurance, as they are eligible for an EHIC (European Health Insurance Card). This card allows you to receive the same medical treatment as a resident of the UK, free of charge.
It is important to check with your university or college to see what their specific requirements are for insurance. They may have a preferred provider or a set of criteria that your insurance must meet.
Here are some things to consider when choosing a private medical insurance policy:
- Coverage: Make sure the policy covers the types of medical care you are likely to need, such as doctor’s visits, hospital stays, and prescription drugs.
- Exclusions: Check the policy carefully to see what is not covered, such as pre-existing conditions or certain types of travel insurance.
- Cost: Compare the cost of different policies to find one that fits your budget.