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Medical emergencies are unpalatable and draining. The IHS is a welcome development albeit like the case of OP, if the spouse did not use the NHS services after the initial payment, at least let them be able to carry it forward instead of coughing up another £1,000 for the extension.geoeng wrote: ↑Wed Nov 20, 2019 11:43 amWhile this frustrates me as well, it's just the way it is and there's nothing that can be done about it. The cost is negligible if you end up needing NHS services for a major illness/injury. If it really bothers you, take advantage the free/cheap care and get any issues checked out and fixed (dental issues especially). Realistically, the IHS is a cost that is likely to go up in the future as it's an easy way to raise a few extra pounds for the NHS and ensure immigrants who have not been paying taxes in the UK their entire lives pay their fair share of the costs. It comes off as punishing those who immigrate when young or work their whole lives, but the same could be said for all social services. In my opinion, the relatively small charge is worth every penny.
National Insurance contributions deducted from earnings, go towards certain benefits and the State Pension. Don't confuse National Insurance with the NHS.