Insurance requirements for studying at King's College London

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Insurance information for King's College London

Insurance is important while studying at King's College London because it can protect students from financial loss due to unforeseen circumstances such as accidents, illness, or theft. It can also provide coverage for tuition and other school-related expenses in case of emergency or withdrawal from classes. Having insurance can also provide peace of mind and allows you to focus on your studies.

About King's College London

King’s is ranked in the world’s top universities and is London’s most central university, with five campuses in the capital. Our faculties, institutes and schools deliver world-leading research, enabling groundbreaking new discoveries. This research underpins all of King’s teaching and enables us to make the world a better place.

 Find interesting master studies for King's College London at Mastersportal

King's College London
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Insurance information for United Kingdom

If you are going to study and live in the United Kingdom, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.

Students from EU/EEA countries

Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance. EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.

However even when the EHIC is valid you will still have to pay the Immigration Health Surcharge as part of your visa application (the cost is around 470 GBP (2024)

EU Students staying in the UK with an European Health Insurance Card (EHIC) valid in the UK will be able to ask a refund for this surchargeGet an immigration health surcharge refund if you're a student from the EU or Switzerland - GOV.UK (

Before you get an IHS refund, you are entitled to the same NHS healthcare coverage as a UK citizen. If you get a refund, the healthcare coverage you get will change. You will only be able to use your EHIC to access ‘medically necessary treatment’ during your stay.

Students from outside the EU/EEA

International students, who will be in the United Kingdom for more than 6 months, will be required to pay the Immigration Health Surcharge as part of the visa application. Failure to pay the surcharge, if you are required to do so, will result in the visa being refused.

This Immigration Health Surcharge will give you access to the National Health Service while pursuing their degree in the UK. This cost around 470 GBP (2024). Students from outside the EU will not be able to apply for a refund.

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Is this enough?

It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:

  • (Additional) medical costs not covered by NHS
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid
  • Worldwide cover

You will need an insurance policy also covering, but also arranging for you, for example:

Free quote from Aon

Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.

About United Kingdom

British universities are renowned worldwide for their excellence in research and education. They consistently rank highly in international evaluations, attracting students from diverse backgrounds. Studying in the UK offers a multicultural environment that fosters personal growth and opens doors to prosperous career opportunities. The teaching methodology promotes innovative thinking, encouraging individual exploration and collaboration through interactive discussions and creative assignments.

United Kingdom