英国 学生健康保险
英国学生健康保险 — 计划对比
为英国国际学生提供的私人健康保障。更快预约专科医生、牙科和遣返服务 — 与 NHS 互为补充。
Bupa Global Major Medical
Bupa Global
Premium worldwide private health cover from a London-based heritage insurer — top-up plan for international students who already have NHS access
起 from £100/mo
- Trusted UK heritage brand — Bupa has provided healthcare since 1947
- Four tiers from affordable Major Medical to comprehensive Elite
- Mental health treated equally to physical health on all plans
- 24/7 Global Virtual Care included on all tiers
Cigna Global Health Insurance for Students
Cigna Global
Flexible international health cover with three tiers — Silver, Gold, Platinum — for students studying in the UK or anywhere worldwide
起 from £117/mo
- Three flexible tiers (Silver, Gold, Platinum) — pay only for the cover you need
- Worldwide network of 1.5 million doctors, hospitals, and clinics
- Mental health cover included on all tiers from day one
- 24/7 multilingual customer service and direct billing where possible
IMG Patriot Exchange Program
International Medical Group (IMG)
Budget-friendly student travel medical insurance — flexible coverage limits, popular with international students worldwide
- Most affordable tier — from approximately £45/month for a healthy 24-year-old
- Flexible coverage limits ($50K to $500K) and deductible options ($0 to $500)
- Pays 100% outside the USA after deductible (no co-insurance abroad)
- Optional adventure sports rider covers skiing, climbing, and more
William Russell International Student Health Insurance
William Russell
UK family-run insurer backed by Allianz — three flexible plans (Bronze, Silver Lite, Silver) with worldwide cover and dedicated personal advisers
起 from £93/mo
- UK-based with personal account adviser — same team member each contact
- Underwritten by Allianz, one of the world's largest insurance groups
- 30-day money-back guarantee if you have not made a claim
- Three plan tiers from Bronze (~£93/month) to Silver (~£178/month)
常见问题
常见问题
需要。大多数持学生签证（Student Visa）的国际学生需缴纳移民健康附加费（IHS），即可使用英国国家医疗服务体系（NHS）。许多学生还会购买私人学生健康保险，以更快预约专科医生、获得牙科和遣返保障，以及补充 NHS 不覆盖的项目。
英国私人学生健康保险通常每月 40–200 英镑，具体取决于计划和保险公司。IHS 本身对学生签证持有者每年收费 776 英镑。
缴纳 IHS 后，NHS 涵盖大多数医疗服务，但专科医生的等待时间可能较长。私人保险作为补充，可提供更快的就医速度、牙科、视力以及紧急遣返服务。
常见保险公司包括 Bupa Global、Cigna Global、Endsleigh Student 和 IMG GeoBlue。大多数提供专为国际学生设计的计划。
可以。大多数国际学生计划可在原籍国在线购买，保障从抵达英国当日开始生效。
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