Comprehensive Sickness Insurance for EEA2 Student app

[Lucapooka]

is this going to be good proof of CSI?

while traveling out of the country for up to 60 days.

I doubt it! You are living in another country and while most allow travel, not many private medical plans extend to cover while resident in another country.

[sofia.d.c]

Haha yup... The lady on the phone with me obviously misread the plan when she told me I was covered living in London. Guess I'm going to get some CSI then! Any brand recommendations anyone?

[sofia.d.c]

Okay so I'm looking at getting CSI with WPA. It has a £1500 "rolling" excess. Is this sufficient? I read in a forum dated back to 2010 that it was accepted. Here's what it covers: (I put X's beside the four things it does NOT cover).

In- and Day-patient (hospital)
Hospital and surgeons' fees
NHS hospital cash benefit
Surgical treatment
Medical (non surgical) treatment
Diagnostic tests and scans
Psychiatric Treatment X
Out-patient treatment
Pre-admission tests
Post-op consultation and tests
Physiotherapy & other therapies
Specialist consultations and tests
Diagnostic Scans (MRI, CT & PET)
Out-patient procedures
Psychiatric Treatment X
Cancer Cover
Consultations with a specialist
Radiotherapy & chemotherapy
Advanced therapeutics (target therapies)
NHS hospital cash benefit
Other Benefits
Nursing at home
Private ambulance
Parent and child
Hospice donation
Elective overseas treatment
Optional Extras
Emergency abroad X
Dental cover X

If this is sufficient, it's insanely cheap at just over £5 per month when you sign on for a year!

[aledeniz]

It has a £1500 "rolling" excess.

Anyone has any idea about the UKBA policy about this level of excess? Is it something left at the discretion of the caseworker?

[Neelze]

Hey there!

We had our application rejected, because the UKBA did not accept my European EHIC insurance as sufficient evidence of comprehensive sickness insurance.

We re-applied with a private health insurance from WPA (the one with the 1500GBP excess), which covers both for the same price in the first year. And it seems like it is working. The first time we applied, we didn't even get a CoA. This time we got it within just a few weeks. Obtaining the CoA is often a sign that your application is satisfactory.

Will let you know whether it all worked out.

[sofia.d.c]

Great, keep us posted Neelze! Thanks for writing your experience.

[Jambo]

Hey there!

We had our application rejected, because the UKBA did not accept my European EHIC insurance as sufficient evidence of comprehensive sickness insurance.

We re-applied with a private health insurance from WPA (the one with the 1500GBP excess), which covers both for the same price in the first year. And it seems like it is working. The first time we applied, we didn't even get a CoA. This time we got it within just a few weeks. Obtaining the CoA is often a sign that your application is satisfactory.

Will let you know whether it all worked out.

Was your EHIC UK issued or non UK issued? It needs to be a non UK one as the UK one doesn't provide insurance in the UK. Did you attach a letter of of intent of temporary stay as the application form asks for?

The fact that you got CoA doesn't mean the CSI is accepted. It just mean the HO has accepted the application. It means that they noted you have provided proof of CSI as required in your case but no one actually reviewed it. As long as you had a paper in the application that said "Health Insurance", you would get the CoA but it would only get reviewed later.

[Neelze]

I had a non-UK EHIC and I included a letter explaining that I was in the UK for the duration of my studies. Still, it was rejected.

The fact that we didn't get the CoA implied that they didn't consider the application to be complete, I suppose.

[sofia.d.c]

Here's a correspondence from another thread; Craxy just got his RC and his wife was a student as well:

sofia.d.c wrote:
Congrats, Craxy!! I do have a question for you though - what was the excess attached to your wife's CSI? I'm a student as well and have found a super cheap insurance that has a "rolling" excess of £1500 and I just want to make sure that I won't get turned down for it not being "comprehensive" enough. Even though the UKBA lays out no guidance for this.

Craxy:
Hiya, i think 1500 should be enough. I believe my wife got one in the same range. Their definition of "comprehensive" is very fuzzy imo.

[Neelze]

Good news,

we just received the residence card for my wife. We have the WPA XS private health insurance with the 1500GBP excess. It does the trick.

Best of luck!

[sofia.d.c]

THANK YOU!!!!!!

[mcru]

I have two general questions in relation to applying for EEA2 and providing information on comprehensive medical insurance for both the non-EEA applicant and EEA spouse who is exercising treaty rights. It kind of is related to this thread...

1. For EEA applicants exercising treaty rights who have joint EU (eg Irish) and Commonwealth (eg Australian) citizenship, should you include a copy of your commonwealth country's national health insurance card? I say this as NHS and Medicare (in Australia) have a joint coverage treaty, meaning I am covered here as a non-resident for most occurrences as required under EEA2, until i become a "resident" here and then presume i would default to NHS. (I have private cover anyway - just want to know if i should add this for extra weight).

2. If you previously lived in the UK on your own in the dim dark past, and have an old NHS card, should you include that? (even though the address might be old and in need of update)?

Cheers!

[JasonRain]

You will need it for the application but it won't matter that you did not have it previously