If you are just visiting the UK you either need to have medical insurance or, if you are from the European Economic Area, a European Health Insurance Card (EHIC). Even if you are a UK national, but have not lived in the UK for several years, if you are only visiting you will need some form of medical insurance.
If you live lawfully in the UK and you have chosen to live and settle in the UK for the time being (i.e. more than 6 months) you will normally be considered to be ‘ordinarily resident’ in the UK and have the same rights to free healthcare as a UK citizen. This includes free hospital treatment and treatment by a GP, but you will still have to pay other costs, such as prescription charges unless you are exempt from these charges. Since 1 April 2007 prescription charges have been abolished in Wales, so if you live in Wales you will not have to pay for these.
Even if you are not considered 'ordinarily resident in the UK', you should still be entitled to free emergency treatment given at a GP practice, an Accident and Emergency department or a walk in centre providing similar services to an Accident and Emergency department. Subsequent treatment as an in-patient or outpatient will not be free. Treatment for certain communicable diseases is also exempt from charges (excluding HIV/AIDS where only the first diagnosis and counselling is free).
You can find out more about NHS charges and help with NHS costs on the Directgov website and for more information for overseas visitors, go to the Department of Health website.
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