Whether you need private health insurance depends on your circumstances, but it is not mandatory for most expats living in the United Kingdom. For many expats, paying the Immigration Health Surcharge (IHS) as part of their visa application provides access to the NHS, which covers most essential healthcare needs. Expats in the UK can use NHS services such as GP visits, emergency care, and hospital treatment without paying at the point of use, although some charges may apply for prescriptions, dental care, and eye tests. However, some expats choose to take out private health insurance to benefit from shorter waiting times, wider choice of specialists, private hospitals, or more flexible appointment scheduling. Expats in the UK working for international companies may also receive private health insurance as part of their employment benefits. While not essential, private cover can provide peace of mind and added convenience, especially for expats who prioritise speed and choice in healthcare.