PIO living in India (UK national) health insurance when visiting UK

#1 Jun 12th, 2015, 18:43
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  • melinderry is offline
#1
Hello, I am a PIO card holder and living in India for about 7 years. I am shortly going for a 3 months visit to the UK. I understand that as I have been out of the UK for so long I am no longer entitled to free health care there on the NHS. I thought I could take some travel insurance from here. However the policies I found from Indian companies that are suitable for non Indian citizens apparently dont give coverage if I am in my home country. I checked about UK internal travel insurance but it is only for residents of the UK. I suppose private health insurance would also be for residents and is also more expensive.
I wonder if anyone else has faced this issue and what was the solution? I thought of it because a women I know was admitted into a UK hospital for emergency treatment and the NHS billed her because she had lived outside the UK for too long.
#2 Jun 12th, 2015, 20:19
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#2
They didn't used to check, but I'm told that now they do.

Dreadful isn't it: all that money that we paid in National Insurance! It's a scam. I'm going for a month and ... I suppose I'm going to take the risk.
#3 Jun 12th, 2015, 22:59
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Thanks for the reply. Yes this is a strange situation and i am not finding a clear answer other then as you say going and hoping for the best. I did read that casualty treatment is free for everyone but not once they admit you.
So even if you keep up on national insurance payments from here you are still not entitled if you are not UK resident? I havent been paying but was thinking about it.
Also strange to me is that there is family permit visa that is free for spouses of EU citizens. But it is not free for spouses of UK citizens - they have to get a family visit visa and pay for it....
#4 Jun 13th, 2015, 01:17
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Quote:
So even if you keep up on national insurance payments from here you are still not entitled if you are not UK resident?
I don't know, melinderry: I haven't even thought about that stuff for years --- and I probably won't be in UK for enough time (barring accidents!) for it to matter, over the forseeable future. If we returned to live there, I suppose we'd become resident again.
#5 Jun 15th, 2015, 22:32
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#5
finally I found a travel insurance policy with a company called religare that covers me as a pio holder in the UK - not very expensive...
#6 Jun 16th, 2015, 00:04
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#6
Oh, well done: perhaps I should look at that.

i was going to post that you have to get into these people's heads that you are a resident of India, not just a "foreigner!"
#7 Jun 16th, 2015, 03:59
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#7
From my understanding is that if you spend three months abroad in a year, than you may be charged for using NHS.
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#8 Jun 16th, 2015, 05:03
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I bid... one month in UK in five years.

Damn it... they should recognise the I'm costing them less, not charge me! In fact, ten years and not even one lousy GP appointment. I want my refund!

#9 Jun 16th, 2015, 09:08
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#9
Quote:
Originally Posted by melinderry View Post finally I found a travel insurance policy with a company called religare that covers me as a pio holder in the UK - not very expensive...
melinderry You are a mind reader, I was going to post this very same question but I forgot. Please could you share the details of the insurance either here or by PM.

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#10 Jun 16th, 2015, 23:58
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you can just google religare and see their travel insurance section - they have different policies at different prices depending on the cover you need and you can get it on internet or by phone. I spoke to two different reps at different times to confirm they could cover me even in the country which I'm a national of and they both said yes very clearly so I hope its fine.They just told me to enter my PIO number in the space for passport number on the form. Other companies either said its not possible or told me to email and didnt reply.
#11 Jun 17th, 2015, 08:22
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#11
That's good info melinderry. Thanks for the heads up.

Here is my experience. I have spent 6 years once upon a time then another 7 years in India with huge gaps of living in London, then 4 years and 2 years and (you get my drift) at least three trips of nearly six months (including last year). Last year, I went to my UK GP after over 7 years just to have a health check. She did not bat an eyelid and took my pulse and BP and blood and confirmed that I was still alive. She even referred me to specialists for extra care which I did not take up. I haven't been charged a farthing, yet.
#12 Jun 17th, 2015, 16:20
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ViShVa, you have an address there. A house even. That makes all the difference.
#13 Jun 17th, 2015, 16:23
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I think if you just go to your GP and seem English you might not get checked - but if you are registering for a new GP there might be some questions asked - if you are in hospital I suppose its quite likely they would check - like I said in the original post a women I know got billed for hospital care following an accident as she had been living away for several years.

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