Introduction
Studying in the UK is a dream for many students worldwide. While tuition fees and living costs are significant concerns, health insurance is equally crucial — and often overlooked. International students in the UK are required to have adequate healthcare coverage, either through the NHS surcharge or private health insurance. This guide will help you find cheap yet reliable health insurance options in the UK for 2025.
Top Cheap Health Insurance Providers for International Students in the UK (2025)
Here are some of the most affordable and trusted providers offering tailored plans for students:
1. AXA PPP Healthcare
- Coverage: Comprehensive student plans
- Monthly Cost: Starts from £25/month
- Link: https://www.axahealth.co.uk
2. IMG (International Medical Group)
- Coverage: Custom plans for students
- Monthly Cost: From £20/month
- Link: https://www.imglobal.com
3. StudentSecure by HCCMIS
- Coverage: Emergency medical, repatriation, prescriptions
- Monthly Cost: £18 to £30 depending on coverage
- Link: https://www.hccmis.com
4. Allianz Care
- Coverage: International students + travel protection
- Monthly Cost: From £30/month
- Link: https://www.allianzcare.com
5. Bupa Global
- Coverage: Premium global and UK private healthcare
- Monthly Cost: From £40/month (premium plans)
- Link: https://www.bupaglobal.com
NHS vs Private Insurance – What’s Cheaper?
| Feature | NHS (via IHS) | Private Insurance |
|---|---|---|
| Cost | £776/year (as of 2025) | £18–£40/month |
| Coverage | Basic NHS care | Custom coverage |
| Waiting Time | Longer | Shorter |
| Extras (Dental, Optical) | Not included | May be included |
💡Tip: Many students prefer basic private plans as a supplement to NHS for better peace of mind.
Tips to Save on Student Health Insurance in the UK
- Compare multiple providers via aggregators or directly on insurer sites.
- Buy in advance before landing in the UK — premiums are lower.
- Select coverage that suits your lifestyle (don’t overpay for extras).
- Opt for higher deductibles to reduce monthly premiums.
- Join student forums or groups — some offer group discounts.
How to Choose the Right Insurance Plan?
Consider the following before you buy:
- Duration of your stay
- Whether you have pre-existing conditions
- University requirements (some recommend providers)
- Visa compliance (ensure coverage meets UK immigration rules)
- Your budget and risk appetite
FAQs – Student Health Insurance in the UK
1. Can I rely on the NHS only?
Yes, but only for essential treatment. You may face delays and lack of coverage for dental, vision, and mental health services.
2. Do private plans include COVID-19 coverage?
Most insurers now include pandemic-related coverage — always check the policy wording.
3. Is travel insurance enough?
No. Travel insurance is short-term and limited. You need student-specific health coverage.
Conclusion
Health insurance is not just a visa requirement — it’s a smart safety net while you study in a new country. By comparing providers like AXA, IMG, or StudentSecure, international students in the UK can get affordable health coverage without compromising on quality.
Always read the fine print, compare prices, and choose what suits your needs. Stay insured, stay safe, and focus on your studies.
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