Immigration Health Surcharge: Top Questions for Indians

Top Questions Answered about IHS for International Students

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What is IHS and Why Do You Need to Pay It?

When planning your study abroad journey, you might have come across the term “Immigration Health Surcharge” or “IHS.” But what exactly is IHS? It is a fee levied by the UK government on international students coming to study there.

The purpose of this fee is to provide access to the National Health Service (NHS) during your stay in the UK. By paying the IHS, you become eligible for healthcare services provided by NHS at no additional cost.

Paying the IHS fee is a mandatory requirement for most international students applying for a Tier 4 student visa in the UK. The amount you need to pay depends on the duration of your course and your preferences for everyday activities. It is important to note that this fee is non-refundable, even if your visa application is rejected.

In such cases, having access to Niyo’s card for students can help save on IHS as it entails zero forex charges! The zero forex charges on the card implies significant cost savings for students down the road, especially when the expenses really begin to add up.

How Can You Calculate and Pay the IHS Fee?

Here’s a step-by-step guide to calculating the IHS fee:

Step 1: Visit the official UK government website and access their IHS calculator.

Step 2: Enter details such as your nationality, visa type (Tier 4 student visa), and duration of your course.

Step 3: If you have any dependents accompanying you, include their details as well.

Step 4: The calculator will provide you with the total amount you need to pay for the IHS.

Once determined, you can pay the amount by visiting the official UK government website and create an account. Fill in the necessary details and choose the payment method – debit or credit card – to proceed with the payment. Once your payment is successful, you will receive a confirmation email from the UK government.

In certain cases, you may be eligible for a refund of the IHS fee. For example, if your visa application is rejected, you can apply for a refund of the IHS fee within six months of the date your visa was rejected. Or if you accidentally paid twice or made an overpayment towards the IHS fee, you can request a refund for the excess amount paid.

How Niyo Global Card Helps You Manage Your Finances

Managing your finances while studying abroad can be a daunting task. This is where the Niyo card comes in as a valuable financial tool:

1. Convenient Currency Management: The Niyo card allows you to load multiple currencies onto a single card, eliminating the need to carry multiple currency wallets or worry about exchange rates.
2. Instant Reloads: With the Niyo app, you can easily reload your Forex card instantly, ensuring you have access to funds whenever you need them.
3. Real-Time Expense Tracking: The Niyo app helps you track your spends in real time, allowing you to manage your budget effectively and avoid overspending.
4. Visa Application Processing: The Niyo app’s Travel Mode offers visa application processing services, making it easier and more convenient for you to navigate through the visa application process.

By visiting https://niyo.me/education_loan, Indian students studying abroad can enjoy several benefits including quick loans and seamless ariport lounge access. This will make your international travel and financial management easier to offer peace of mind.

Key Takeaways

• Understand what IHS is and how it impacts your study abroad plans.
• Calculate the IHS fee accurately using the UK government’s official IHS calculator.
• Make your IHS payment on time and keep a copy of the confirmation.
• Know the coverage provided by the IHS and consider additional health insurance if needed.
• Familiarize yourself with the refund policies for the IHS fee.

Understanding and effectively managing the Immigration Health Surcharge (IHS) is crucial for Indian students pursuing higher education abroad. By following the steps outlined in this guide and using tools like the Niyo card, you can navigate through this financial hurdle with ease.