Comprehensive Health Insurance (for Home Office applications)

Rygon_2

Unlike Costin, I understand why this is a requirement and should not be treated as "just another bureaucratic step".

However, I find myself in exactly the same position as Costi so I will try my best to explain the situation. This addition to the Home Office policy for newly joined EEA countries is rather a test to improve the past mistakes of Immigration policies. It has been implemented very recently as a way to ensure that those who come to UK do not bring with them more economic difficulties. As we all know, the world/UK is still in danger of economic collapse and this policy is just another way of protecting the British citizens and the availability of jobs. Even though statistics show that the average foreigner in the UK has a much higher average income than the average British citizen, this is more of an anxious push from current government not based on statistics, but on past experiences with illegal immigrants and public opinion.

In any case, I would like to readdress the issue in a more polite fashion. I am young, healthy and I have been fortunate with medical issues up until this point and for that reason, I would like to ask for any help regarding information about a money-saving comprehensive health insurance. My goal is not to take advantage of UK or to be a problem, but to be part of the solution and to BE the change I want to see in the future.

InsideInsurance

Firstly, unless the new EU countries is different, you only need to have PMI if you are no working (employed or self employed). If you are working then there is no requirement for it.

If you simply want cover to check the box and not too concerned over the actual coverage/service then have a look at the article on this site http://www.moneysavingexpert.com/insurance/cheap-health-insurance

Rygon_2

Thank you for your reply.

With the current system, Bulgarians and Romanians need to get the Yellow Card to start working. It is impossible to work without it. To get it I need to:
1. Proof of University enrolment. (done)
2. Proof that I am not a burden on the UK’s social assistance system. (done)
3. And, the one which is discussed here: "If sections 4 (Students) and 5 (Self-sufficient) have been completed: evidence of comprehensive sickness insurance cover in the UK"

Furthermore, "A proportionate approach should be taken when considering what is ‘comprehensive’. For example, a policy may contain certain exemptions but if the applicant is covered by the policy for medical treatment in the majority of circumstances then this will be sufficient." Thus, most believe that a private medical insurance is enough and some suggest that even with a £32 Aviva PMI it's still possible. My question is whether there are alternatives out there or if this AVIVA PMI is my best choice.

Thank you again for your help!

Wutang_2

Rygon wrote: »

Thank you for your reply.

With the current system, Bulgarians and Romanians need to get the Yellow Card to start working. It is impossible to work without it. To get it I need to:
1. Proof of University enrolment. (done)
2. Proof that I am not a burden on the UK’s social assistance system. (done)
3. And, the one which is discussed here: "If sections 4 (Students) and 5 (Self-sufficient) have been completed: evidence of comprehensive sickness insurance cover in the UK"

Furthermore, "A proportionate approach should be taken when considering what is ‘comprehensive’. For example, a policy may contain certain exemptions but if the applicant is covered by the policy for medical treatment in the majority of circumstances then this will be sufficient." Thus, most believe that a private medical insurance is enough and some suggest that even with a £32 Aviva PMI it's still possible. My question is whether there are alternatives out there or if this AVIVA PMI is my best choice.

Thank you again for your help!

Certain insurers will accept these applications with certain terms, eg with Aviva, you must have their core hospital list, you cannot include the 6 week option and you must be underwritten (not moratorium). Pru are less fussy, as are AXA but all you need to make sure of is, all outpatient and inpatient treatment is covered in full with no limitations. The "majority of circumstances" is not enough.

KitKat00

My friend used a health quote compare site. Can't post the link but google health quote compare .co. uk and see if that works for you. Also try life comparison .co .uk as well, its another site that might be to your liking

Wutang_2

KitKat00 wrote: »

My friend used a health quote compare site. Can't post the link but google health quote compare .co. uk and see if that works for you. Also try life comparison .co .uk as well, its another site that might be to your liking

Genius, get a life insurance quote instead.