The UK remains one of the most sought-after destinations for Nigerians—whether for studies, work, or permanent migration. But with every application comes additional costs beyond the visa fee itself. One of the most significant charges Nigerians must factor in is the Immigration Health Surcharge (IHS). In 2025, this fee has changed, and many applicants are caught off guard.
The IHS is a mandatory payment that ensures migrants can access the UK’s National Health Service (NHS) during their stay. For Nigerians, especially students and skilled workers, this means free access to general practitioners, emergency services, and hospital care, without paying out-of-pocket each time.
2025 Updates on the IHS
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Increased Rates: The standard annual fee has risen to £1,035 per year for adults and £776 per year for students, children, and Youth Mobility applicants.
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Full Payment Upfront: If you apply for a 2-year visa, you must pay for the full 2 years in advance—making the upfront cost substantial.
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Refunds: If your visa is refused, your IHS payment will be refunded automatically.
Why Nigerians Need to Plan Carefully
For students, this means budgeting an additional ₦1.5 million – ₦2 million, depending on the exchange rate and course duration. Skilled workers applying for a 3-year visa must prepare close to ₦5 million.
How to Pay the IHS
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Payment is made online during your visa application.
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You will receive a reference number which you must include in your application form.
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Without payment, your application is considered incomplete.
Conclusion
The IHS may feel burdensome, but it provides peace of mind and access to healthcare without the stress of medical bills. Nigerians planning for the UK in 2025 must budget strategically and ensure they are financially ready for this hidden but crucial cost.
