Approved CIS

[Amofe]

Hello,
I'm looking into CIS from private UK insurers but I cannot find which ones are fully acceptable by HO/UKBA. I heard from previous applicants who used WPA/AXA/AVIVA/BUPA/VITALITY that some were accepted, some refused. Few insurers have a policy that is called "COMPREHENSIVE" while others not, which make it a very risky step to get an insurance from them (how can you be sure you went for policy that is truly "COMPREHENSIVE"?). As far as I know the safest bet for CIS is to get a full policy but what about options that reduce your premium, does opting for:
- 6wks waiting (use NHS if treatment is within 6wks)
- £0 excess
- £0 out-patients cover
makes it less "COMPREHENSIVE"? Does it make us a potential burden on the UK gov? Having CIS from a private insurers doesn't mean we, eligible EU citizens, cannot use NHS, right?
Many thanks for your help.

[tmonaghan]

No private health insurance plan covers every single person or every single
medical condition. If it did, it would be too expensive.