The United Kingdom provides health insurance as a public service to all of
its residents. Hospitals are run by the government and services are free
of charge to all British nationals. Britainís National Health Service (NHS)
does not cover medical services outside the country, so international
health insurance for UK residents may be necessary.
International health insurance for UK residents is available through most
major insurance providers. Most companies offer a variety of plans:
individual, family, group, travel, teacher, and student plans. Each plan
can be tailored to meet specific needs with flexible options for
deductibles and out-of-pocket expenses.
Individual and family plans can be written to include chronic conditions,
maternity, dental, medical emergencies, evacuations, personal accident
coverage, and in some cases, pre-existing conditions. Plans are suitable
for all ages and occupations, and are guaranteed renewal each year for
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Premiums are not based on your nationality or occupation, but based on
your age and where your family lives. Most international health insurance
is not specific to one country, so you can move to a new country or
relocate back home and your health insurance goes with you.
Group plans are designed for companies, sports clubs or social clubs with
three or more people. Plans can be structured to offer varying levels of
benefits and deductibles for different levels of employees. If a member
leaves the company or group, most plans can be transferred to an
individual policy. Group plans are not country specific, and can go with
the individual should he or she relocate.
Travel plans are designed for residents that are traveling out of the UK
for an extended period, usually a maximum of 12 months. Benefits may vary
by insurance provider, but services such as hospitalization, doctor
visits, prescribed medicines, ambulance transportation and burial
arrangements are often included at 100% coverage.
Teacher plans are designed for teachers in an international school or
teaching abroad. These plans have comprehensive and flexible benefits and
are usually available with worldwide coverage.
Student plans are designed for students who are studying abroad. Students
traveling to Britain to study are eligible for NHS if they are enrolled in
a program that is longer than six months.
When selecting International Health Insurance you should consider the
Overall maximum benefits
Geographical areas of coverage
Hospitalization / Non-Hospitalization Benefits
Maternity Coverage ( if needed )