EEA 4 App Prep work- Private Medical Ins issue

[nmitter]

Hello all,

I have 6 months to go before I have completed 5 years on EEA Resident card. Now I would like to do my prep work for EEA 4 application. I m a non EU husband of a EU wife. I have been working for last 5 years and so has my wife except for 6 months when we relocated and it took her time to find a new job. We were financially stable then so we never thought of registering with job centre for first 3 months but then someone recommended that we should register so its logged. And we did for next 3 months before my wife got another job. I will try and look for emails with interview calls etc during those 6 months.

Also we didn't know about the Comprehensive medical insurance. But we do have EHIC & NHS cards. And on top of that I m currently looking for a Medical insurance to cover us for next full year (despite paying our NI through PAYE).

The closest I can get is PRU HEALTH which covers the following:

Full In patient and day patient cover for any operations or hospitals stays for sickness, operations no waiting lists etc, no monetary limit. Even home nursing is covered.
Full cancer cover with no limit to length of time required for you to get well, no monetary Limit.
Full outpatients cover with consultations as required with specialist investigations and physiotherapy,
Outpatients diagnostics MRI, CT and Pet scans unlimited x rays and blood tests in full.
Private GP Helpline
Full therapies cover, Chiropractors, Podiatry, Homeopathy.
Worldwide Travel cover of 120 per year.
Your Local list of hospitals.

In summary my issues are with:

A. 3 months of self sufficiency in 5 years from my wife exercising her treaty rights

B. 3 months of job centre but not sure if we have any letters from them to prove

C. No private medical cover during those 3 months of self sufficiency out of 5 years of paying NI

D. And medical cover I have been quoted for £100 per month, how do I know this will meet the HO requirements?

So how do I know if I have got every thing right for EEA 4 application? Please could someone advice.

thanks
nmitter

[Jambo]

How long has she been working before the 6 months break? If you can prove she was looking for job during that time, she would be considered a worker/job seeker and CSI is not required.

Why are you seeking to get CSI now? Is it for immigration purposes? You can't backdate an insurance. Does your wife work at the moment?

[nmitter]

How long has she been working before the 6 months break? If you can prove she was looking for job during that time, she would be considered a worker/job seeker and CSI is not required.

Why are you seeking to get CSI now? Is it for immigration purposes? You can't backdate an insurance. Does your wife work at the moment?

This is her breakdown of time:
09/2006-10/2010- in job
11/2010-01/2011- out of job and not registered with job centre (self sufficient)
02/2011-04/2011-registered with job centre as a job seeker
05/2011-till date back in job

She was looking for a job all the time during the 6 months when she was not working but not sure how to evidence this....

can anyone help please?

[nmitter]

Also i have the NHS cards for both of us as well as EHIC cards for both us since few years, so my wife was in total 6 months out of job in 5 years with 3 months with job centre and 3 months as self sufficient, so do I need to get Private medical insurance?

Comprehensive cover top end from Pru health is £106 per month!!!

Please guys please advise me.

thanks

[Jambo]

This is her breakdown of time:
09/2006-10/2010- in job
11/2010-01/2011- out of job and not registered with job centre (self sufficient)
02/2011-04/2011-registered with job centre as a job seeker
05/2011-till date back in job

She was looking for a job all the time during the 6 months when she was not working but not sure how to evidence this....

So in this case, she was a job seeker during the whole period and didn't require CSI. Proof of job applications, CV sent to companies, registering with recruitment agencies and job centre can serve as proof of job seeking. You don't want to claim self-sufficient for that period if you didn't have CSI.

I noted that your partner has completed 5 years of residence over a year ago. Have you also been resident in the UK (and married to your partner) since September 2006? Then your 5 years mark was also in 2011. You don't need to hold the RC for 5 years (you don't even need to hold one at all). The dates on the RC are irrelevant.

[Jambo]

Also i have the NHS cards for both of us as well as EHIC cards for both us since few years, so my wife was in total 6 months out of job in 5 years with 3 months with job centre and 3 months as self sufficient, so do I need to get Private medical insurance?

Comprehensive cover top end from Pru health is £106 per month!!!

Please guys please advise me.

thanks

NHS cards are irrelevant. UK EHIC are irrelevant (they are not valid in the UK. Only in other EU countries). Non-UK EHIC are accepted.

You don't want to claim self-sufficient without insurance. Better to claim job seeking status for the whole period.

Why would you need CSI now? You can't backdate an insurance and if your partner is working at the moment, CSI is not required.

[Hubba]

Also i have the NHS cards for both of us as well as EHIC cards for both us since few years, so my wife was in total 6 months out of job in 5 years with 3 months with job centre and 3 months as self sufficient, so do I need to get Private medical insurance?

Comprehensive cover top end from Pru health is £106 per month!!!

Please guys please advise me.

thanks

NHS cards are irrelevant. UK EHIC are irrelevant (they are not valid in the UK. Only in other EU countries). Non-UK EHIC are accepted.

You don't want to claim self-sufficient without insurance. Better to claim job seeking status for the whole period.

Why would you need CSI now? You can't backdate an insurance and if your partner is working at the moment, CSI is not required.

The Home Office changed their policy regarding the (dis)consideration of the NHS as CSI on January 20th, 2011. One could argue that prior to that no provisions affirming that the NHS coverage wasn't enough were available, hence it should be considered enough. Granted, you would need to argue your way through, but it is possible as a last resort.

EDIT: I stand corrected. HO is backdating the private CSI requirement for self-sufficient applications (http://www.whatdotheyknow.com/request/8 ... d.pdf.html)

[ltb86]

Hi Nwitter,

Which country are you in...? I am planning to move to Ireland with my non EU husband, do we need medical insurance? I am confused. Thanks