Do I need a Comprehensive Sickness Insurance?

[Kubeeq]

I am a first year undergraduate student from Poland.I was working full time during the summer time and currently work part-time and has been working part-time since the university has started (earn usually more than 160 pounds per week so I pay the NINo contribution).I want to work full time during summer time (April till late September). Do I need the CIS if I work part-time during the therms and full time during the summer? I'd like to apply for the Permanent Residence or Registration Certificate in the future.
Thank you in advance for all the help.

[Kubeeq]

[tmonaghan]

This might not answer your question but you have to understand that when taking on a CSI it is generally for a 12-month contract that is usually renewed automatically until you placed an end to the agreement. So when you are contracting a CSI to cover your time as a student only, it may not be possible because Insurance companies will give you a quote for a 12-month contract. Which means that the cover will also extend when you are working even though you generally don't require a CSI when working. In addition if you took a cover for the periods when you are a student only, it might be more expensive given that the Insurance Companies will want to get as much money as they can from you in case you made a Claim when holding a CSI solely when your are studying.

[EmmaNef]

Kubeeq,

I have just finished reading quite a bit of papers on the EEA (PR) and looking at your situation I believe you might be up for a gamble and would be better off waiting for a couple of months to see what happens with brexit. Up until today, the European Health Insurance card remains an accepted form of comprehensive health insurance for students. That means (depending on what the exact procedure in Poland is), you would need to attend a relevant government body in Poland and take out a free insurance card that would give you a cover for 1 year. However, with the situation being the way it is now, there is no guarantee that EHIC will remain to stand as valid CSI.

[tmonaghan]

Hello,

The EHIC is normally used when travelling outside your EU state and should normally be used temporarily. However, it cannot be used the same as a CSI because you are not living anymore in your Home Country and you'll be expected to be self-sufficient or a student with private cover in the UK. Once you register with the UK agencies such as a jobcentre or request an NHS card you registered with the intend to work in UK. Therefore the EHIC is not normally used within that scope because it is intended for short times whilst abroad. As soon as you start paying for your taxes in the UK, the cardholder is deemed to have left his/her home country because his/her is working outside their Home Country that provided the card in the first place. For example my EHIC issued by the Portuguese authorities was only valid for one year. Again it is best to inquire with your NHS in your home Country what to expect when using your card and for how long you can rely from it when working abroad. I would be very surprised to hear that they will still cover you after five years...

[EmmaNef]

As the government guidelines define CSI:

Comprehensive sickness insurance (students and self-sufficient persons)
One of the following:
 Schedule or other document from a private medical insurance provider outlining the level of
cover. This must have covered you/your sponsor/your family member(s) for the majority of
risks while in the UK.
 Valid European Health Insurance Card (EHIC) (formerly form E111) issued by an EEA Member
State (not the UK)
 Form S1 (formerly E106, E109, E121)
 Form S2 (formerly E112)
 Form S3.

But no, nobody issues EHIC for 5 years. It is usually granted for 1 year at a time and every year you need to come back to your state of origin and renew it with your domestic authorities. This remains a valid for any length of time you are abroad, even if you are working abroad, so long as you do not notify the authorities of your country of origin of an intent to terminate permanent residence and stop paying health insurance. For example, I am Lithuanian and I have not registered permanent leave from Lithuania. That means even though I live and work in the UK, I am paying Lithuanian health insurance tax, which means that I can get Lithuanian authorities to grant me EHIC for as long as I want. The card is evidence that any healthcare system in the EU that would be forced to treat me for any reason can claim the compensation of the treatment value from the Lithuanian authorities. Now I do not know what would happen if you declare your leave from Poland to Polish authorities and stop health insurance payments. I am not sure if Poland would still issue you a EHIC. I declared my leave but have not tried to obtain an EHIC since

[tmonaghan]

@EmmaNef

We are talking about the same thing. You notified your Home Country that you no longer work/live there therefore your EHIC will be cancelled because you relocated to settle in another EU Member state.

[EmmaNef]

Yes, however I still had my EHIC after having lived and worked in the UK for 2 years. And I have been issued a renewed one by local authorities after telling them I lived and worked in the UK. The only difference was - I chose to pay domestic tax at that time. I believe Polish domestic health insurance tax should be significantly lower than a CSI from a private firm in the UK.. The question now is, whether Kubeeq has officialy declared his leave with intent to stay or not. If he has not, then he can get a renewed EHIC for a number of years.

[tmonaghan]

@EmmaNef
Your home country rules differ from the UK and another small number of EU Member states about the use of the EHIC especially if the EHIC is subsided by the taxpayer. Let hope that in Poland the rules are in their Citizen's interests. Again, the EHIC has been implemented with the right to access state-provided healthcare during a temporary stay in another European Economic Area (EEA) country or Switzerland. And that cannot be changed. Hence the UK being reluctant of use EHIC for long stays.

[Kubeeq]

Thank you very much for your answers. I can apply for polish EHIC because I'm still assigned to my mother's insurance as a student who is under 25 years old. However, I was wondering if I need CSI because after 5 years I would like to apply for the permanent residence card. In the form is mentioned that they might accept my polish EHIC only if I intend to stay in the UK temporary. So I am wondering if I should buy CSI to make sure they will grant me the permament residence after 5 years cause let's be honest CSI is expensive and I already pay the NIN contribution monthly so it would be unfair to pay both NIN contribution and CSI but if it's necessary for the emigration purpose I will buy it
I still hope I will find someone here who's in the same situation so is a student and work part time and can share its thoughts about CSI

[Kubeeq]

Hello everybody,
I started studying at univeristy in September 2016.I've been working full time 3 months before starting uni and part time from late September till end of March this year when I started working full time and going to do that till September 2017 when I am going to come back to working part time.Do I need CSI as I work during all my univeristy course and pay NINo contribution?

[vinny]

Posts merged.