Your Complete Guide to the UK- IHS for Students

What Exactly Is the IHS

The IHS - Immigration Health Surcharge is a mandatory healthcare fee that all non-UK students must pay when applying for a student visa. It gives you access to the National Health Service during your stay in the UK. Without paying for the IHS, your visa application will not be processed.

‍

‍Why It Is Mandatory

The UK government requires all international students to contribute to the healthcare system they will use while living in the country. Once you pay for the IHS, you can access the National Health Services (NHS) just like a UK resident.

This includes essential healthcare such as GP visits, emergency treatment, hospital care, and some mental health support.

‍

‍How Much You Need to Pay

The IHS fee is charged upfront for your entire visa duration. Amounts can change based on government updates, but students usually pay:

• GBP1164 for 1 year course and GBP1940 for 2 years course.

• For 12 months of course IHS is covered for 16 months and for 24 months of course IHS is covered for 28 months.

• IHS is paid at the time of your online visa application.

Your total is calculated automatically during the visa form. Make sure your card allows international payments, since the charge is processed immediately.

‍

What the IHS Covers

Once paid, you get access to most NHS services at no extra cost. Key inclusions are:

• GP consultations

• Emergency hospital care

• Prescriptions at standard England prescription rates

• Mental health services

• Specialist referrals when required

Some services are not fully covered, such as dental care and eye tests, which may require additional private plans if needed.

‍

‍Is IHS the Same as Private Health Insurance

No. The IHS gives you access to NHS public healthcare. It does not replace private insurance entirely. Many students still choose additional private cover for:

• Dental and vision services

• Faster appointments if needed

• Cover for course interruption or travel

• Pre-existing conditions that require specific support

Private insurance is optional but can be useful depending on your personal health needs.

‍

‍

‍How to Pay the IHS Step by Step

Here is the typical process when applying for a Student Visa:

• Start your online UK visa application

• The system will calculate your total IHS based on your course duration

• You pay the full amount online using a card that supports international transactions

• You then continue with the rest of your visa application

• You receive a payment reference which must be kept safely for future use

If you do not complete payment, your visa application will be rejected.

‍

‍Refunds When You Are Eligible

You can get a refund in very specific cases:

• If your visa is refused

• If you withdraw your application before a decision is made

• If your visa is granted for less time than you paid for

• If you paid twice by mistake

You will not get a refund simply because you did not use NHS services or if you leave the UK early.

‍

‍What Students Should Keep in Mind

• Budget for the IHS in advance. It is usually the biggest upfront cost after tuition fees.

• Keep your payment confirmation safe. You may need it on arrival or registration.

• The IHS gives you strong healthcare protection. You do not need separate medical insurance for visa purposes.

• For dental and vision services, consider private add ons if needed

• If you renew your visa later, you will need to pay the IHS again

‍

‍IHS Timeline for International Students

• Before visa application: Calculate your total IHS and ensure you have funds ready

• During your online application: Pay the full IHS amount before submitting your form

• After receiving your visa: Carry your payment confirmation with your visa documents

• During your stay: Use NHS services freely with your BRP or digital status

• When extending your visa: Be prepared to pay the IHS again for your new visa duration

‍

‍Final Tips for Students Going to the UK

The IHS is not just a fee. It is your entry into one of the most reliable healthcare systems in the world. Once paid, you are protected throughout your stay with complete access to essential health services.

By understanding the IHS early and budgeting for it correctly, you can move to the UK with confidence and avoid any last-minute visa issues.