Hkana:
Are folks on dependant Visas exempt from the new entrant rule?

Cc Zahra29

Pardon me if this has been answered previously, I might have missed it.

No, dependants can also qualify if they meet one of the relevant criteria (broadly outlined below):

1.Being under 26 years old at the time of application.
2. Holding a postdoctoral position in specific occupations.
3. Working towards a professional qualification, full registration, or chartered status in a relevant profession.
4. Transitioning from the Tier 1 (Graduate Entrepreneur) visa, Tier 4 (General), or the student route.
5. Holding a previous Graduate visa.

Viruses:
How is mortgage excess paid?

Is it to increase the monthly DD or login to your account and make one off payments?

Both are usually acceptable, but just check with your provider as there sometimes is a maximum overpayment you can make in each period or yearly.

9japikin001:
Well, if immaturity had a face, it would be making posts like this. But hey, keep reaching for the stars, even if you're grasping at straws.

This is much better English, well done!!!

Keep reading your Brighter Grammar

9japikin001:
Carry your “L” with joy.

Such stimulating and eloquent (and mature!) discourse....are you sure you're old enough to be on Nairaland? 😂

ReesheesuKnack:


I cannot speak for Zahrah29 because I’m sure they have more than enough response for his your very sour bunkum.

In my opinion, the only exposition the letter made was the admission (in public) that the UK depends on ££ from foreign students to subsidise British students.
As to the bitca out ‘no evidence of widespread abuse of the graduate visa by the students themselves’, I honestly don’t think it is new information.

What was being abused (and the Govt rightly addressed that) was the Tier-4 visa itself, NOT the PSW (aka graduate visa). There was a huge widespread abuse of the Tier-4 and the government already addressed that.

Again, in my opinion, the authors of the letter (MAC) somehow decided to mix up PSW & Tier-4 visas, as though they were the same thing.


PS: What I have written here will not make sense to someone who doesn’t understand the clear difference between Tier-4 visa vs Graduate (aka PSW) visa.

Well said.

There was a high likelihood of the PSW route being retained for various reasons (although the govt might still seek to amend it in some way). It was the high number of dependants and the abuse of the student visa route that were highlighted as the main issues.

9japikin001:


Just before you go Madam Prisca,

https://www.gov.uk/government/publications/graduate-route-rapid-review/letter-to-the-home-secretary-on-the-rapid-review-of-the-graduate-route-accessible

If reverse was to be the case you would have posted this here cuz you’re always coming here to share anti immigrant news and links on this thread. I see that makes you happy a lot.

Lol, it's "Positive Prisca" to you mate, no need to add Nigerianised titles.

As to the bolded, "you know nothing Jon Snow" 😌

Thewritingnerd:
Are you telling me what you just drove past? 🤭

You’re very welcome to discuss that.

At least, I won’t come poking at your throat for “positivity” when you express displeasure at the unsanitary environment you see every time you drive home from work, because:
1.) UK is not a ‘family-member’ where I’ll unnecessarily start getting in my feelings every time people narrate the occasional unpleasantness of living in it.

2.) I know not to invalidate the saliency of your day-to-day bin encounter, just because I want you to acknowledge the positives even when you’ll still see that overflowing bin on your drive to work tomorrow.
🫶🏾

No thank you Nancy, I've had enough negativity for one day.

Have a good evening ☺️

Thewritingnerd:
Exactly that. First-hand, day-to-day encounters with actual people currently living the sad consequences. Not “balanced” talk-points meant to serve comfortable parlor talk. 👍🏾

Google didn’t tell you it’s *I have ? 🤭

It's okay Nancy, let's draw a line under this. I don't want to keep you from the negative agenda that I'm sure you've got lined up this evening.

Did you see an overflowing bin on your way to work today and you're so disgusted that the UK is filthy and is now worse than 3rd world?

Anyways, have a good evening whatever you're complaining about☺️

dupyshoo:
Hehehe, where are you both getting these names from?

Ha ha 😂

Negative Nancy is a known term used to describe someone who is always complaining and basically very negative. Verified by Google.

Have never heard of Positive Prisca.
Maybe Nancy came about it the same way she obtained her NHS views

Okay, I need to stop before I become Petty Patricia 🙈😂

Thewritingnerd:
I don’t owe anybody a balanced viewpoint because I’m not on a panel or a conference trying to present shiny talk-points for people to clink glasses over. I am saying what currently holds, day-in, day-out.

We have you and others to present the balanced view, and there’s me for the “negatives” like you put it.

What’s more “balanced” than that? 🤷🏾‍♀️

Well said Negative Nancy, carry on - you're doing a great job 👍

Thewritingnerd:
I can bash the NHS even if it’s not much better elsewhere. Two things can hold true at the same time. That things are worse in other places doesn’t mean I should spray confetti at something that’s obviously dilapidated to a considerable extent.

And true, we definitely don’t have to agree.

Lol, no one asked you to spray confetti. I and others have pointed out flaws in the NHS and are advocating and voting for improvements.

However we can point out the flaws and also be honest to see the numerous good points about the NHS, something you appear unable to do. Your view isn't balanced, it's just negative.

Thewritingnerd:
I’m not parroting hearsay, I am telling you what is currently obtainable from where I work.

Dupyshoo, Goodenoch and others have also shared data and personal stories of the dire state of healthcare/healthcare system in the US and Nigeria. Ticha has also previously provided insights on Canada and NZ to provide a balanced view.

Point is you don't have to bash the NHS like it's much better or perfect elsewhere. You're entitled to your opinion obviously, but we don't have to agree.

Goodenoch:


1. Even when US roles come with insurance, people often are unable to still use it because the co-pays are too high.

"Just over half of working-age Americans say they sometimes can't afford health care, according to The Commonwealth Fund. About 4 in 10 workers with employer-sponsored insurance or who are on Medicaid say they have difficulty paying, while that rises to about 6 in 10 for people who buy coverage through the Affordable Care Act's marketplaces, the study found." Source: Paying for It: How Health Care Costs and Medical Debt Are Making Americans Sicker and Poorer - https://www.commonwealthfund.org/publications/surveys/2023/oct/paying-for-it-costs-debt-americans-sicker-poorer-2023-affordability-survey.

2. The word that needs to be in capitals is 'YOU', because it boils down to personal/family preferences. The idea that people are in the UK because they have no choice is funny. As others have said, the fact is that many people have the choice but have run the numbers/life priorities and have decided that it's better.

Personally, my experience with the NHS has been exceptional across the multiple places I've stayed, both in the GP and A & E contexts, so that has informed my perspective. That being said, things are clearly quite bad in many places (I didn't even know how bad before some of the links shared here), so urgent action is needed. Dismissing it as a 'hot mess' or 'totally failed' remains objectively absurd though, in my view.

💯 Well said

dupyshoo:
Hmm, unfortunately we have not had a very good experience with Nigeria private healthcare. We have had my parents do some tests in Nigeria that we had to redo here with different diagnosis. Surgery gone wrong. So many issues jare. Even ordinary dental healthcare, we will still have to get them here to repeat the procedure.

Maybe, it is just my family experience though.

It's not just your family's experience sadly...

A family friend recently lost their healthy new born baby due to hospital negligence at one of the top private hospitals in Lagos. No inquiry, investigation - just BAU afterwards. They had just moved from the UK to Nigeria as well.

A friend's cousins are scrambling around to bury their father after the shock of him passing away shortly after he had been admitted for a minor illness. He had otherwise been fit and healthy. Again, no inquiry or investigation.

There are good and bad stories everywhere.

Jamesclooney:


Just remember to keep the same energy if you dare moan about anything in this UK.

Ps - I see the softening of your tone from the derogatory comments about Nigerian healthcare system that was working for some before coming to “El dorado”. I still maintain the NHS failed me and is still failing so many others. I can only speak on my experience and not for the entire system. It is my hope that these criticisms would drive the much needed reforms.

There are many areas that I want to see improvements in the UK. It's not perfect, neither is the US or anywhere else.

However I try to have realistic/ reasonable expectations in the first place especially when it comes to the NHS. On Friday for example, I chose to pay for a same day health service instead of waiting a few days on the NHS, so I did that for my peace of mind.

There is positive criticism and then there is bashing. What you did initially by saying the NHS has completely failed, was the latter.

Your experience and views are valid, but so also are the views and experience of others who support and praise the NHS, while also calling for much needed improvements.

PS - I quoted your use of Eldorado.

kwakudtraveller:

But that’s what you did, a call out! The IHS bit was unnecessary and note that this is me just checking your bias. It’s not a personal attack.

It's ok, I don't feel attacked.

We have different views, we can just agree to disagree.

dupyshoo:
I agree with you.
In my family, we recently got opportunity to relocate to both Canada and Australia with all expenses paid.
We declined the offers after considering the cons and pros. We realised that the move will not necessarily make our lives better. In fact, one of them would even make us financially worse off.

This is not to say that it won't be a better move for another family. It is on a case-by-case basis.

Exactly, which is why I keep saying to each their own.

Some people will experience better healthcare/life in Nigeria or the US, and some people have experienced and will experience great healthcare in the UK both on the NHS or privately.

Do what works for you. It's the constant complaining and comparing that irks me. No one is saying the NHS is perfect - far from it- but to say it has completely failed is ridiculous.

If people think they are better off in the US or that Nigeria's healthcare is the new Eldorado, then bon voyage. Why stay back and constantly complain?

Rant over 😊

kwakudtraveller:

It’s a good thing that you rounded up your statement by saying that this is as a result of hearsay of people dropping dead unexpectedly which definitely comes from fear and not just because they want to abuse the system because they paid their IHS fees. In the same vein, many people who actually paid for their IHS are not even registered with GPs as they believe that they do not need to. Let’s educate people and sometimes empathise instead of looking for an avenue to always call out migrants for one reason or another.

I did educate them that that's not how the NHS/IHS works and people typically have such tests done privately. Not everything is a call out.

dupyshoo:
I am not going to argue about NHS as we all know that the burden on NHS is so much. There are loads of issues with the system.

However, regarding private health care, the option is available in the UK too and employers tend to cover private care in the UK.

For example, anytime my mum comes to the UK, she sees various consultants within a short period but we have to pay. Specifically, she saw 2 different consultants and she also did MRI all within a week. So, if you are willing to pay, you can get things done quickly too here in the UK.

Thanks Dupyshoo, this fact has been called out several times but some people just love to bash and fault find.

Thewritingnerd:
Truly experience is the best teacher because I’ve seen a patient who had to wait 53 weeks to get surgery, only for them to come in on said day, starve for more than 12 hours, and have the surgeon call in in the evening to say her surgery has to unfortunately be canceled because of unexpected complications with the ongoing one. After waiting for a whole 53 weeks! 🫠

What people who parrot this “free healthcare” thing don’t mention is that your US employment can also come with healthcare insurance. They’ll yap about taxes too like you don’t already pay cut-throat tax here in the UK. They’ll yap about gun violence but guess who UK tabloids are disrespectfully calling “sword boy”?

When you weigh the pros and cons, it DOESN’T balance out. It very gently tilts towards one end. People only argue an obvious advantage when they want to feed themselves copium because they can’t do much to change where life has put them. 😶

Or perhaps some people are happy where "life has put them" and not running from place to place in search of some utopia, only to start another round of complaints when they get there lol

Look, I'm not trying to convince anyone not to move to the US. I was only defending the NHS, same with some other posters. It's not perfect as I've said numerous times, but it's very good.

I'm very happy for anyone who chooses to go seeking a better life or healthcare in the US or Canada or Nigeria or wherever.

Thewritingnerd:
Yes, there’s a waiting list for even cancer patients. Spanning as long as 44 weeks.

That's certainly not the case anywhere I've seen or heard in the UK, but you're entitled to think what you think.

kwakudtraveller:

What if they truly need it? Or what if they have a low pain threshold? Have you actually heard of anyone demanding extra care because they paid their IHS fee, or are you basing it on an assumption?

Everyone who attends A&E must truly need it and many would have a low pain threshold. However would you rather a stroke patient or another urgent condition be put on hold to treat someone with a low risk ankle sprain?
As a PP said, it's not first come first served. People need to manage their expectations.

And yes, I'm speaking from experience. I have heard several people discuss on how they have the right to a full MOT on demand because they've paid for the IHS and should use it, and advise how to fake symptoms so they are given the tests. I had to caution that that's not what the NHS is for - it can't cater to everyone who wants a full body check (unless you are in an identified risk group) because they heard so and so dropped dead unexpectedly. That's what private checkups are for.

kwakudtraveller:

Bro, I truly empathise with you. Having to wait that long to be treated must have really upset you, and rightfully so, and I know that Africans typically do not go to the hospital unless they believe that it’s a serious issue.  

It was on this same thread that I read about someone having gastric cancer, and they kept telling them to go home because they didn’t conduct proper checks until it was too late, and they ended up in hospice. 

A friend had partial stroke and he was seen almost immediately by the nurses but he still had to wait close to 4 hours to be seen by a doctor. How is that person supposed to yell and demand that he be attended to immediately by a Doctor? When even the Doctor is probably exhausted from seeing hundreds of people in a short amount of time.

I think, in general, the NHS has a lot of misplaced priorities. I see them hiring for a lot of mid-level roles that they do not need, and a lot of these managerial staff have duplicate roles. 

They need more skilled medical staff with better pay and not some of these new roles that have yet to add any value to the NHS. A major audit needs to be done at each trust so they can get their shit together.

Completely agree with the bolded. I mentioned in an earlier post that there is a lot of waste in the NHS - bloated managerial and admin workforce and extravagant contracts to mention a few.

I really hope such an audit and the corresponding cutbacks can be implemented.

lavida001:


Nigeria where nepa can take light or mikano breakdown while surgery is ongoing. 😂

Smh...If the healthcare is so great, not sure why every politician or rich man flies abroad for treatment at the slightest ailment.

jedisco:


Attract doctors and nurses to the extent where 52% of new doctors into the system in 2022 were trained abroad and many of the local grads are in turn abroad? Even the NHS leaders agree there is a staffing crises.





Like I stated in my quoted post above, I appreciate the system of care delivery here but also well aware of its wider impact and reasons why its under pressure. Every healthcare system has its drawbacks and one needs to understand these to make improvements.

Not really a crisis because at least there are doctors and nurses from many countries queuing up to work in the NHS. Your concern should be directed at the huge care gaps these professionals are leaving behind in their home countries, where even newly trained doctors and nurses are looking to japa at the earliest opportunity.

I agree with the bolded, but the solution is not to privatise the NHS.

Lexusgs430:


I see you truly love the tories...... 🤣😁

Lol, I support some of their policies such as their viewpoint on gender issues, but anything public spending/NHS and yeh, no love lost there

Lexusgs430:


The common principle of Labour drifting to an environment, where labour is properly rewarded comes to play.........

Any politician/political party that advocates 100% privatisation of the NHS sector........ Would NEVER smell power again, for the foreseeable future .......😂😁

💯, because over 95% of Brits are like "no Bueno" to the US healthcare system (along with their hormone injected beef lol).
Tories tried to privatise by the back door but have never been bold/foolish enough to be transparent with their objectives.

jedisco:


Like I said, the fears are almost always well exaggerated for the most part just like the way many Nigerians back home dread the concept of 'tax' or bills (as they call it) without understanding the system abroad. It's part of British culture to whinge and exaggerate certain issues.
Even some EU nations e.g France pay for care. I had seen a French lady in the past who was elated at having free service and told me at this point back home she'd be pulling out her card. Same also, a co-workers pregnant relative had to be taken into ED while travelling in France and was very happy at how quickly it all went.

The NHS is pushing on today cos its absorbing many doctors and nurses from abroad (at a point even exceeding local grads). There are local and international effects of that. Your free healthcare has far reaching consequences.

Any desirable country will attract doctors and nurses from abroad who are seeking a better life, more money and a superior professional experience and opportunities. The NHS is not unique in this.

You seem to be pushing for the privatisation of the NHS which goes against its ethos and founding principles ,so no thanks. Private healthcare is available for those who choose/are able to pay. The NHS should remain "free" , (and I say this as someone who has gold private healthcare from work that also covers my family) but needs to find ways to become more efficient e.g. slimming down their management force, more conservative contracts etc

Lexusgs430:


So how would I know if my son sustained internal head injuries, from banging his head (that caused massive injuries to his lips and face) ...... By looking through his eyes or rubbing holy oil on his forehead...... 👀😂


Would I forgive myself if my son suffered from internal bleeding, if I refused to insist on the CT head, due to your position above...... I am asking a honest question.......

I'm in support of you advocating for the scan for your child because you can never be too careful with children, I don't see this as a waste of NHS resources.

What I'm not in support of is people demanding full MOT blood tests from their GP just because they paid the IHS or showing up at A&E with a sprained ankle and expecting to be seen immediately :|

jedisco:


It goes both ways and largely depend on the side of the divide they are on.

Reddit is also littered with Tech heads in the UK looking to jump ship and 3x their take home or American companies paying their UK employees less than half of what the pay for similar roles in the US. Also many UK medical students writing American licensing exams and jumping ship or actively planning towards CAN/AUS. Even when comparing attainment of immigrants, the US leads for a reason.

Many Americans in the UK get flustered by the relatively poor pay, high tax and long wait times for healthcare we have become accustomed to.
The social safetynet in the EU/UK is brilliant but for many hardly trumps the capitalist bull the US has become.

Fair enough....I guess the many thousands of American households that have been bankrupted due to healthcare bills or have lost their top paying jobs and accompanying health cover, were not bullish enough

To each their own. I remain grateful for the safetynet in Europe where I don't have to check my bank balance before going to the hospital, but I also have the option to pay for private medical insurance if I want expedited or special treatment.

jedisco:


The fear about the American healthcare system is largely exaggerated. While some nations have a better system, Americans are not dropping dead in the street.

We're talking about a nation that has been at the fore of technological development financial conquest over the last 50 years. Our free Healthcare is paid for via higher taxes + NI.

Yes, many would need insurance in the US but the excess is capped and there are many groups which are exempt.Many middle income and high wage earners would see their take home double for an equivalent role in the US while paying less tax. Housing is relatively cheaper. Many jobs come with health insurance and even if one has to pay out of pocket for a family insurance policy, it manytimes would work out much cheaper than the higher tax paid here. Also, because their ervices are paid for and system flush with funds, services are prompt and manytimes push the boundaries of knowledge.
Europe/UK OTOH is a much better deal for lower income earners as there is a robust safety net.

Both systems have their pros and cons. Reason why many Brits jump at the opportunity of heading to the US. The Australian system seems to be a hybrid between both.

Funny that, there are numerous Reddit threads of Americans who have moved to Europe to access the cheaper healthcare. I don't know m(any) Brits who have moved to the US solely to use their healthcare.

missjekyll:


Sorry to burst this bubble,Zahra . Even cancer now has a waiting list. The NHS you obviously love is not there anymore.

I do believe we can get most of it back. It's the best thing about the UK.

Cancer now has a 2 year waiting list to start treatment? Okay.

I have a very close relative who is receiving pioneering preventative cancer treatment - the drugs alone would cost over £50k out of pocket, not to mention the regular MRI, PET and CT scans. This is a retired lady who doesn't have private insurance, who has received years of cancer treatment and various types of surgeries on the NHS, from world class doctors, and never once had to pay a penny. She is thriving thank God. Similar treatments would have been unaffordable in the US and unavailable in Nigeria because their medical system mostly caters for routine/non complex conditions.

For this and many other reasons, I love the NHS. I know it's not perfect, there is definitely a lot of room for improvement but I agree with you that it represents the best of the UK and I believe it will get better.