Navigating NHS Access And The Immigration Health Surcharge

Accessing healthcare in a new country is a significant concern for immigrants, and in the UK, this primarily involves the National Health Service (NHS). Understanding how the NHS works and the associated costs is vital for those moving to the UK in 2025.

The NHS: A Public Healthcare System: The NHS is the publicly funded healthcare system of the UK, providing comprehensive medical care to residents. While it is often referred to as "free at the point of use," most non-EEA immigrants are required to pay an upfront fee to access its services.

The Immigration Health Surcharge (IHS): The IHS is a mandatory payment for most individuals applying for a UK visa for more than six months. As of 2025, the IHS fee is substantial and varies depending on the visa type:

• Standard Adult Visa: The fee for a standard visa applicant can be around £1,035 per year.
• Students and Youth Mobility Visa Holders: A discounted fee of approximately £776 per year applies to these categories.

This surcharge is paid upfront for the entire duration of your visa. For example, if you are granted a three-year Skilled Worker visa, you would pay three years' worth of the IHS fee when you apply. This payment allows you to access most NHS services on the same basis as a permanent resident.

What the IHS Covers (and Doesn't): Once the IHS is paid, you are generally entitled to free NHS services, including:

• GP appointments and treatment
• Hospital services (including A&E and inpatient care)
• Maternity services
• Mental health services

However, certain services still incur charges:

• Prescriptions: Most adults in England pay a per-item charge for prescriptions (currently around £9.90 per item, subject to change). Prescriptions are free in Scotland, Wales, and Northern Ireland.
• Dental Care: NHS dental treatment is generally paid for, with charges varying based on the type of treatment.
• Optical Services: Eye tests and glasses are typically paid for, though some individuals may be eligible for free services.

Registering with a GP: Upon arrival, it's crucial to register with a local GP (General Practitioner) surgery. You do not need to provide proof of address or identity to register with a GP, though it's helpful if you can. Once registered, you can book appointments for non-emergency medical needs.

Exemptions and Special Circumstances: Certain groups may be exempt from paying the IHS, including:

• Asylum seekers and refugees
• Victims of modern slavery
• Diplomats
• Some individuals on specific health-related visas

It's vital to check the latest official government guidance to confirm your eligibility and any potential exemptions.

Navigating healthcare in a new country can be complex, but with an understanding of the IHS and NHS system, you can ensure you and your family have access to the medical care you need in the UK.