I would imagine if, any of these have insurance, it would be the government part, which I believe comes with what we would call a tax disc. Not sure what it covers though, 3rd party of whatever.
I flew from UK several years ago on a one way ticket, the,airline asked why I only had one way. I showed them my visa ( retirement) , which was still valid and I got on the plane ok
Why oh why, have they removed the long term option. They know its needed for people who use it for visas, just can't understand why they've removed it.
I prefer living here to the UK. The weather over there makes me more ill.
Yes, I'm sure plenty have been in a situ were they could not afford medication over here. Recently I helped repatriate an English man back to the UK cos he'd ran out of funds.