If you live in Merseyside you are entitled to free Health Insurance In Merseyside through the National Health Service ( NHS ). The NHS is based on where you live, rather than your insurance. This means that all Merseyside residents – including immigrants – can access NHS services free of charge.
In the United Kingdom, the condition of being insured in the British Public Health Service is acquired because of the residence and no registration in the Social Security system. In principle, those persons who meet the condition of habitual residents in the country have the right to be users of the System.
European citizens legally residing before December 31, 2020, as well as their relatives, will be entitled to free NHS assistance provided that before June 30, 20,21 they request settled statute British regulations. They must register under the EU Settlement Scheme.
If you arrive in the UK with a visa, you will have to pay an Immigration Health Surcharge (IHS) as part of your visa application and you will be able to access NHS services.
The UK will cover healthcare for the first three months of life for babies born in the country whose parents have been legally resident in the country for more than six months. The Government requires parents to have a visa of more than six months duration and to apply for a visa for their newborn child.
If you do not have health insurance you will be charged 150% of the NHS standard rate for any care you receive.
Each region of the UK has its own NHS body. The differences between the regional health services are mainly structural and how some of the services are provided.
The following information is primarily intended for Healthcare in Merseyside, England.
Registering with a General Practitioner
To receive medical care in Merseyside you need to register with a GP ( General Practitioner-GP ). You can choose your GP although they have some autonomy in whether or not to accept patients if they don’t live in the local area or if the practice is too crowded. In this case, you should try to register with another GP in the area.
You will generally need a referral from your GP for most hospital treatment, except in emergencies.
Hospital treatment is free if you are a Merseyside resident.
The services and treatments listed below are free to all NHS Hospitals in England, including overseas visitors:
A&E services, but not emergency treatment once you’ve been hospitalized
family planning services – but not pregnancy termination or infertility treatment
treatment for most infectious diseases, including sexually transmitted infections (STIs)
treatment required for a physical or mental condition caused by torture, female genital mutilation, domestic violence or sexual violence – this does not apply if you have come to England to seek this treatment unless you have applied for, or been granted, asylum status.
Emergency Services (A & E), Urgent Care Centers (Walk-centre) or Minor injury unit
A&E (Accident and Emergency): Deals with life-threatening emergencies such as loss of consciousness, chest pain, shortness of breath, severe bleeding, severe allergic reactions, severe burns, etc. Not all hospitals have an A&E department.
Walk-in Centre and Minor injury unit: for urgent but non-fatal medical care such as sprains, cuts, bites and stings, ear and throat infections, skin infections and rashes, eye problems, coughs and colds, high temperature in children and adults, stomach pain, vomiting, etc.
While most medical services provided by the NHS are free, there are some exceptions that you will have to pay for, including:
Medication prescriptions cost £9.35 per item.
Dental treatment, from £22.70 for examination, diagnosis, scaling, polishing, and preventive treatments, up to £282.20 for work such as crowns, dentures and bridges.
Eye exams range from £20-70 for single vision lenses to over £110 for other services.
Wigs and fabric support cost from ~£30 for a surgical bra to ~£300 for a full, custom-made human hair wig.
GP (general practitioner) services for the provision of certificates for a health insurance policy.
Do you need private health insurance in Merseyside?
Public health care in Merseyside is funded by taxpayers and is regarded as one of the best, safest and cheapest health care systems in existence. You may be wondering why you should consider private health insurance on top of what the NHS offers.
If you intend to stay in Merseyside longer and sign up for free NHS healthcare, there are still a few reasons to consider taking out private treatment cover:
- If you think you may need treatment or service not covered by the NHS for free, such as dental care or specialist medicine.
- If you want to see doctors or specialists without the long waiting times of most NHS services (currently even longer due to coronavirus).
- If you prefer to choose which doctor or hospital to go to or any procedure or treatment, or even access medicines and treatments that are not usually available on the NHS.
- You will probably want second opinions or more tests to make sure you have considered all options before receiving treatment.
- If you want to have the peace of mind of knowing that you can receive a bed in a private hospital and have visited 24 hours a day.
In short, private health insurance allows immigrants to access UK private health care and have more control over their medical treatment needs.
Health insurance costs
Health insurance policies vary greatly in price because there are many individual factors to consider when evaluating a person’s health risk. However, some common factors will affect your cousins, such as your age, where you live, your current health, and your lifestyle.
Regardless of your age, it’s worth shopping around and upgrading your insurance provider if you move. This can affect your premium – especially if you leave Merseyside.
The level of coverage you want will influence how much you pay. Most insurers will initially exclude pre-existing conditions, so you’ll have to pay more for them. Most policies will cover hospital treatment in full (services that require a hospital bed). It is the level of outpatient treatment that increases the cost of your policy, since it includes appointments for specialized treatments, such as physical therapy.