Health Insurance for Overseas Students UK

UK health insurance for overseas students typically costs £50–£100/month. International students pay the Immigration Health Surcharge (IHS) for NHS access, but private cover provides faster treatment and mental health support. Some policies meet UKVI requirements for visa applications.

• International students in the UK pay the Immigration Health Surcharge (IHS) as part of their visa application, which grants NHS access. However, NHS waits are long — especially for mental health services — and many students supplement IHS with private PMI.
• UKVI-compliant policies meet the requirements for certain visa categories and can be submitted as part of the application. Not all PMI products are UKVI-compliant — check before buying.
• Student mental health needs have increased significantly post-pandemic. Private PMI gives access to counsellors and psychiatrists within days rather than the months-long waits common in NHS student mental health services.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.