Comprehensive sickness insurance, comprehensive sickness insurance permanent residence

06/08/2017

Comprehensive Sickness Insurance, Comprehensive Sickness Insurance Permanent Residence

0116 366 6866

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Introducers

An Explanation on Comprehensive Sickness Insurance & Privat…

Comprehensive Sickness Insurance – Residency and Visas Comprehensive Sickness Insurance is the Home O ce term used for Private Medical Insurance, and helps to protect you should you fall sick and you are not a UK citizen. At Halo Consulting, we’re the experts when it comes to nding you the right PMI option so you can satisfy the Home O ce requirements in relation to residency for EU nationals.

Why would I need this?

You’re an EU citizen living in the UK, are classed by the Home O ce as selfsu cient and looking for UK residency.

You’re married to a UK citizen and you need to protect your right to stay in the UK. You’re an international student who has a place at a UK university. https://halo-consult.co.uk/personal-insurance/comprehensive-sickness-insurance/

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The Home O

ce may refuse your right to stay in the UK without

Comprehensive Sickness Insurance, even if you are an EU citizen – don’t take the risk.

What if I have a European Health Card (EHIC)?

A European Health Card (EHIC) is only allowed if you don’t plan to stay in the UK permanently – you will need to declare this.

Are you sure your country of birth has the right agreement in place with the UK? Wouldn’t you prefer the option to stay in the UK should a good opportunity arise?

Would you like security knowing that if you fall sick, you can access medical treatment without any problems?

Comprehensive Sickness Insurance can be a very complex area to understand. Halo Consulting will help you nd the best options for your personal and professional situation. With our caring and supportive approach, we’ll bring clarity to the small-print so you can get on with your life.

For more details on Comprehensive Sickness Insurance, please call us on 0116 366 6866 or email: info@halo-consult.co.uk

What does Comprehensive Sickness Insurance mean?

This is a generic term used by the Home O ce to denote types of private medical insurance that meets the Visa requirements for becoming a UK resident.

What hospitals can I use – are there any restrictions?

You can use any hospital unrestricted (see your policy terms and conditions). Please note that although EU nationals currently have a right to access the NHS, in order to satisfy the Visa criteria, this is not considered to be su cient alone.

What are the types of bene t included in Comprehensive Sickness Insurance? https://halo-consult.co.uk/personal-insurance/comprehensive-sickness-insurance/

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The more bene ts you have, the higher the premium will be.

According to the Home O ce, guidance notes state that the policy should “cover you (and your family members, if applicable) for the “majority of risks whilst you are in the UK”. Additional bene ts such as dental, optical, psychiatric treatment or alternative therapies can also be included.

Do I have to be UK-based to be able to use Comprehensive Sickness Insurance?

As part of the Visa requirements, this is essential if you are seeking UK citizenship.

How much can I reduce the policy premiums and still ful l Home O ce conditions?

If you include an excess and limit out-patient cover, you could reduce policy premiums. We would suggest covering £1,000 of out-patient cover as a minimum, and an excess maximum of £250 per year – although, the Home O ce gives no speci c gures on this.

What does Comprehensive Sickness Insurance cover?

You will be covered for any acute conditions eligible for private treatment. You will not be covered for pre-existing medical conditions or any emergency treatment.

What happens if I need emergency treatment?

Emergency treatment is only available via the NHS.

What if I have pre-existing conditions?

Initially, any pre-existing conditions would not be covered for 2 years – however, if you have not received treatment for these conditions during this time, you may be able to cover pre-existing conditions after the 2-year period. https://halo-consult.co.uk/personal-insurance/comprehensive-sickness-insurance/

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How much does Comprehensive Sickness Insurance cost?

The cost depends on several factors such as out-patient bene t levels, excess level, hospital choice, postcode, your age, and whether you choose added bene ts such as dental, etc. Please contact our advisers for a bespoke quote to suit your situation.

Why would I need Comprehensive Sickness Insurance?

The Home O ce requires you to have this type of policy to ful l residency requirements, if you are an EU national living in the UK, and you are unemployed or a student. Currently, permanent UK residency is automatic once you have been a resident for 5 years.

Does it take long to set up the policy?

Usually, we can set up the policy the same day using our online portals after we have received your quote and accepted the premium. Normally, the hard copy documents will be sent to you within 5 – 7 working days.

Do I need to have a medical for Comprehensive Sickness Insurance?

No, you do not need to have a medical. The two most popular types of underwriting on these policies are either ‘fully medical underwritten’ or ‘moratorium’. Please refer to our Private Medical Insurance section for a full explanation of these options.

What’s the di erence between Comprehensive Sickness Insurance and Private Medical Insurance?

Other than the restrictions on the excess available and level of outpatient cover, they are essentially the same thing.

Is Comprehensive Sickness Insurance the same as an Accident and Sickness policy? https://halo-consult.co.uk/personal-insurance/comprehensive-sickness-insurance/

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No, an Accident and Sickness policy would not cover the cost of any treatment, if you were unable to work due to sickness or an accident – instead, this type of policy would pay you an income.

Would Comprehensive Sickness Insurance cover pregnancy?

In some cases, private healthcare could cover complications pre/post-birth – however, it does not cover pregnancy generally.

Is there a maximum amount that can be claimed?

If there’s a limit on your out-patient bene t or added bene ts (e.g. psychiatric), the bene t will stop once you reach the limit – however, asides from this, there is no speci ed maximum claim amount.

Disclaimer This information does not constitute nancial or any other form of professional advice.

Should you require advice, please contact us directly on 0116 366 6866.

It is important to ensure any insurance policy you take out is suitable for your needs.

Request a callback We need about 10 minutes of your time to really understand what you are looking for and then we can personalise our recommendations.

There’s no obligation and it’s completely free.

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Skye Da Silva

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Tracey Kitchen has always provided an outstanding service! She is highly professional and has always kept me updated in regards to my plan. Tracey is always there for any questions I may have and has always managed to get back to me in a timely manner. There is a personal element to her service which for me goes a long way.. I couldn't recommend her enough! Thank you Tracey.

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I spoke to Tracey, she was very attentive to my needs and explained all the options very clearly. She always came back promptly whether via telephone call or email. Great cusromer service!

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Tracey was very efficient and knowledgeable.

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https://halo-consult.co.uk/personal-insurance/comprehensive-sickness-insurance/

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Lynne

Comprehensive Sickness Insurance, Comprehensive Sickness Insurance Permanent Residence

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A wonderful company to deal with. Tracey is so helpful and knowledgeable. Nothing is too much trouble and you feel that if you have any queries, issues, etc. she will go out of her way to try solve them. Halo Consulting deal

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