Healthcare System Overview in the UK for Expats
The Healthcare for Expats in the United Kingdom centers around the NHS (National Health Service), which is among the most inclusive public health systems on a global scale. The government-run and funded NHS is designed to cover the various healthcare-related expenses of everyone living in the United Kingdom. The NHS extends its services to people who are usually citizens of the UK. Expats on visas having a validity of more than six months, as a rule, pay Immigration Health Surcharge (IHS) as a component of their visa, which makes NHS services accessible in the same way as UK inhabitants. The next of kin, on dependent visas, also qualify for this.
The standard of care received by both doctors and the quality of medical care offered by the UK’s NHS are very high, but presently, the system is encountering severe stockpiles and prolonged delays because of inadequate staffing and increasing demand. Satisfaction of the population with the NHS has dipped to an all-time low of just 21% in 2024, causing an increasing number of residents and expats to opt for UK Expat Health Insurance and private medical care. While the supplements in the UK are excellent, longer waiting periods and access issues continue to plague the NHS.
While the primary health system in the UK is public and funded by the government, there are many private healthcare insurance providers in the United Kingdom that basically enhance the coverage that is received from the NHS by providing access to private care and hospitals. If you are moving to this region for a job assignment, private Expatriate Insurance United Kingdom can also be a part of your remuneration package from your employer.
Getting EHIC and NHS Health Card
Subsequent to Brexit, EU citizens do not use the European Health Insurance Card (EHIC) by default for prolonged stays in the United Kingdom. Rather, UK residents make use of the Global Health Insurance Card (GHIC) during their travel within the EU for essential medical care. Travelers from the EU can still continue to use either their EHIC or GHIC to access critical medical services throughout short-term stays in the UK.
However, for permanent or prolonged residency in the UK, EU citizens are required to register with a General Practitioner (GP) in order to get the benefits of NHS services like UK residents. Moreover, the majority of the long-term visa holders, including EU nationals, need to pay the Immigration Health Surcharge (IHS) as part of their visa application. This surcharge brings the NHS within their reach in the same way as UK nationals throughout their stay. You will have to get in touch with your national healthcare service provider in case you don’t have the EHIC before moving to the United Kingdom.
Those who register for a GP surgery in England are allocated an NHS number. They do not need to apply for a separate card. This number is machine-generated at the time of registration when the bona fides and address are used.
Health Insurance for Expats in the United Kingdom
For expats, the United Kingdom is a favorite because of its easy connectivity and the endless business opportunities it offers. The best part is you don’t have to learn a new language. Its healthcare system is undoubtedly its biggest appeal; however, you will have to sort out various logistical issues when you reach there for the very first time. Whenever you are planning to make the move, Healthcare for Expats in the United Kingdom should be your topmost priority.
As an expat in the United Kingdom, you have many options to choose from if you are looking for global medical coverage. You can select one of the leading insurance providers, including Cigna Global Medical. If you are from the United States, you can go for the GeoBlue Xplorer plan, which, like Cigna, can also cover you in the USA if you get the USA coverage option. People would also choose an expat plan from Expat Financial because they want a global plan to cover them back home, and should they move to another expat region.
For most people, procuring Healthcare for Expats in United Kingdom not only provides an assured sense of contentment but also helps avoid an extended NHS spell of waiting by giving direct access to private care and specialists.
Emergency Treatments for Expats in the United Kingdom
Even as a non-citizen in Britain, you can avail emergency treatment at the various NHS UK hospitals. However, you may have to bear some expenses, which will depend on the country you are from. The UK has reciprocal agreements with a few nations, which means visitors can be entitled to free or budget-friendly NHS care. Nevertheless, this coverage does not apply to all services, and several out-of-towners need to pay, except those who are exempt. Expats shifting base to the UK must not depend on reciprocal agreements and are expected to contribute via the IHS.
Emergency treatment in A&E departments and urgent care centers is free for everyone, regardless of immigration status. However, charges might be applicable if you are going for hospital admissions or need post-treatment care. To access GP services and referrals, expats should register with a GP and get an NHS number. It is up to the GP to refer a patient for treatment from a specialist; however, the GP will continue to be the main point of contact for almost all cases.
Some of the best private hospitals are located in the United Kingdom and in Central London. These hospitals mainly offer specialized care and services and are very expensive. People with Healthcare for Expats in the UK or international health insurance UK can certainly afford to go to these private hospitals; however, it is always better to use the NHS.
Emergency Numbers in the United Kingdom
In the case of health-related emergencies, you don’t have to get in touch with a general practitioner. Instead, you should go to a local hospital directly or call the emergency numbers. 999 is the emergency number for the UK police, ambulance, fire brigade, and coastguard. 112 is the European emergency number.
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