Comprehensive Health Insurance (for Home Office applications)

C05T1N

Hi there,

I need some advice regarding a comprehensive life insurance that I MUST take as of this month.

I am interested in something that is easily and freely cancellable during the first month or so. I have a list of companies with such policies, but none of them have official details about when and under what conditions you can cancel them.

Can you lend a helping hand?
The cheapest policy will do, as I only need it for official papers.

Thanks.

C05T1N

Anyone?

ACG

I dont understand what it is yoru after?
Ive never heard of it.

There is permanent health insurance - covers a percentage of your income if your off sick for the term of the policy (typically tied in with your retirement age).
Or there is Private medical insurance - pays for medical bills etc.

Comprehensive health insurance for home office applications is something ive never come across - could you explain what your looking for as it maybe that what your thinking of is known by something else within the industry?

C05T1N

the 'for home office applications' was just some additional information, not its name.

I need a comprehensive health insurance policy that can be easily cancellable after a month (or even less).

jackyann

Are you applying to live in the UK without recourse to public funds?
In which case cancelling the policy may lead to problems.

ACG

So you want something that will pay your medical bills?

Wutang_2

C05T1N wrote: »

Hi there,

I need some advice regarding a comprehensive life insurance that I MUST take as of this month.

I am interested in something that is easily and freely cancellable during the first month or so. I have a list of companies with such policies, but none of them have official details about when and under what conditions you can cancel them.

Can you lend a helping hand?
The cheapest policy will do, as I only need it for official papers.

Thanks.

You have to take out medical insurance as on a yellow card etc, you cannot have access to NHS - hence medical insurance.

If your plan is to cancel it straight away, then do not stay here and pease go back to where you came from.

InsideInsurance

EEA applications require those not actively employed to have "comprehensive medical insurance" (ie PMI rather than PHI and even if covered by the NHS they are required to have secondary insurance).

Presumably you are intending to apply under something between EEA1 and EEA4 in which case simply getting the certificate is going to be useless for you as you need to show continuous cover for the whole period that you are not working and it is simple for UKBA to check if the insurance is inforce or was cancelled immediately.

C05T1N

Thanks to everyone who helped out with useful information.
I did not know about the requirement for having continuous medical insurance, as this is a new regulation (starting last summer).

As for the more useless and bitter remarks (such as 'go back to where you came from'), I can only imagine that the author is somewhat illogical or simple-minded, as I haven't stated the reason for wanting to cancel it.

The only reason for wanting to cancel would be adding yet another expense to the interminable list before actually working (that's what the yellow/blue cards are for).
So, @Wutang, please refrain from 'helping' me out with your deep words of wisdom.

Again, for the rest, kind thanks for helping out.
Now I only need to find what 'comprehensive' really means, because it seems like every website I find has a different notion for it.

chris-j

Comprehensive means the policy will pay fully for any treatment rather then the UK taxpayer (NHS).
As to you not liking the comments about you reason for cancelling. It seems from your comments that you want to buy the insurance, get the required documentation to show you have it to the authorities then cancel it to save you money.
If you then require to have treatment you will have no insurance so who pays - the UK taxpayers. There is a reason for this requirement and if you are not willing to buy and keep this insurance for the time specified in the government requirements then the advice to not stay here is sound.
No doubt you expectation is that if you need treatment you would just get it because the UK NHS have a moral conscience and would fruitlessly try to get you to pay later, which you would not (if you can't afford the premiums then you can't afford the treatment either).

InsideInsurance

C05T1N wrote: »

I did not know about the requirement for having continuous medical insurance, as this is a new regulation (starting last summer).

This started a long time before last summer as my wife came into the UK 7 years ago under EEA legislation and we've always had PMI due to the EEA rules (though she is now a british citizen we just have kept the cover on anyway)