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Your Immigration Options in the UK When You Have a Personal Injury Claim

Personal Injury-Your Immigration Options

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Introduction

Life can be unpredictable, and while you may have come to the UK with a clear plan - whether for work, study, or family reasons - unexpected events can disrupt even the best-laid preparations. A personal injury or medical emergency can bring additional stress, especially if you are concerned about your immigration status. This guide explores your options for staying in the UK if you find yourself in this unfortunate situation, ensuring you can focus on your recovery without added uncertainty.

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Access to medical treatment and the Immigration Health Surcharge

The UK operates a National Health Service (NHS), which provides healthcare to residents and certain visa holders. Under Section 38 of the Immigration Act 2014, most non-British nationals must pay the Immigration Health Surcharge (IHS) when applying for a visa. This fee allows visa holders to access NHS services on broadly the same basis as a permanent UK resident.

Who needs to pay the IHS?

  • Most individuals on work, study, or family visas when applying overseas to stay in the UK for more than 6 months; or applying in the UK to stay for any length of time.

Who is exempt (in general)?

  • Applicants for indefinite leave to remain (ILR).
  • Health and care workers.
  • Those applying to the EU Settlement Scheme (EUSS).
  • Asylum seekers and individuals applying for humanitarian protection.
  • Those granted a fee waiver under certain immigration categories.

Current IHS fees

  • £1,035 per year per adult.
  • £776 per year for under-18s, students, student dependants, and Youth Mobility Scheme applicants.

The IHS provisions therefore enable most individuals holding limited-term visas to access NHS treatment for medical issues that arise during their stay in the UK. This is not limited to emergency or urgent care.

However, for visitors or migrants with visas lasting six months or less, the IHS is not a requirement as part of the visa application process. As a result, the majority of non-emergency medical treatment they receive in the UK will need to be self-funded.

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Can you extend your visa due to a medical condition?

Although most temporary visa routes allow applicants to extend their visa while in the UK, not all offer this option. For example, extensions are generally not permitted for visit visas, graduate visas, and certain work routes under the Global Business Mobility (GBM) visa scheme. Temporary work visas also have strict maximum durations, preventing extensions beyond a set period.

If you experience a major medical incident during your stay, whether you can extend under your current visa route will depend on your circumstances.

For example:

  • Work visa holders are typically required to be actively employed, carrying out their sponsored role, and meeting salary thresholds (where applicable). A major medical incident may prevent you from fulfilling your job duties, taking unpaid leave, or receiving reduced pay - potentially resulting in you failing to meet extension requirements. Employers are also under a duty to report certain extended absences or salary reductions to the Home Office, which may impact your existing work visa – see further below.
  • Non-sponsored work routes, such as the Global Talent Visa or Innovator Founder Visa, also require specific criteria to be met for extensions. Global Talent visa holders must demonstrate that they have earned money in their professional field and that their endorsement has not been withdrawn. Innovator Founder visa holders must prove that their business is actively trading, financially sustainable, and that they are actively involved in its management. A serious medical condition could hinder professional progress or business development, potentially leading to endorsement withdrawal or failure to meet other extension requirements.
  • Student visa holders must be actively studying at a licensed education provider, who are required to carry out sponsorship duties and compliance assessments as a student sponsor licence holder. If a student defers their studies due to a medical condition, their education provider is required to report this to the Home Office. Additionally, students who fail to successfully complete their course during their visa period may not meet the eligibility requirement for an extension.
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Extension of a visit visa

There are limited circumstances under which a visit visa may be extended from within the UK. According to Appendix Visitor, certain requirements must be met to qualify for an extension. It is also important to note that visitors are subject to Part 9: Grounds for Refusal, meaning that any NHS debt exceeding £500 could result in a refusal.

Under V 15.1. of Appendix Visitor, an extension is generally only available to those who originally entered the UK for private medical treatment. To be eligible, applicants must demonstrate:

  • That they have already paid for all medical treatment received so far.
  • That further medical treatment in the UK is necessary.
  • That they remain a genuine visitor - meaning they intend to leave the UK once their treatment is completed and are not making the UK their home.

In some cases, the Home Office may consider compelling, compassionate, or exceptional circumstances that justify granting leave outside the rules. However, these are assessed on a discretionary basis.

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Alternative immigration routes for medical circumstances

Leave Outside the Rules (LOTR)

As discussed above, extending a visa under its original route is often impractical when a major medical incident occurs, as most visa categories require applicants to continue meeting their original conditions of stay. However, in certain circumstances, the Home Office may exercise discretion to grant permission to remain in the UK outside the Immigration Rules. This discretion can also apply to individuals who are in the UK without legal status.

The Leave Outside the Immigration Rules (LOTR) application is for individuals who can demonstrate compelling compassionate grounds for remaining in the UK. If granted, leave is usually issued for a duration suitable to accommodate the compassionate circumstances raised. However, this is not a route to settlement.

Key considerations for a LOTR application

  • There are no specific mandatory documents required, but applicants must provide strong evidence demonstrating that their circumstances would result in unjustifiably harsh consequences if the application is refused.
  • Unlike asylum or human rights-based applications, LOTR does not require evidence of a breach of Article 8 (Right to Private and Family Life) or Article 3 (Prohibition of Torture and Inhuman or Degrading Treatment) of the ECHR. However, factors impacting human rights will be considered.
  • The Home Office assesses applications on a case-by-case basis, taking into account medical evidence, financial stability, and the potential impact of returning to the applicant's home country.

Fees for a LOTR Application

  • Application fee: £1,321.
  • Immigration Health Surcharge (IHS): £1,035 per year
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Making a human rights claim

In some circumstances, an individual facing serious and long-term physical or mental health conditions may consider a human rights claim, referencing their Article 2 ECHR right to life or Article 3 right to be free from inhuman or degrading treatment. A person who has suffered severe and permanent physical or mental harm due to a medical incident may argue that necessary treatment or support would not be available to them in their own country. However, the threshold for a successful human rights claim based on medical grounds is extremely high and requires strong supporting evidence.

Special considerations in relation to a sponsored worker (Skilled Worker, Senior or Specialist Worker, Graduate Trainee, UK Expansion Worker, Scale-up Worker or Seasonal Worker.

As previously discussed, work visa holders are typically required to be actively employed, carrying out their sponsored role, and meeting salary thresholds.

The employer (sponsor) has immigration compliance duties to maintain their sponsor licence. Among these duties is the requirement to report significant changes in a worker’s circumstances to the Home Office. In accordance with Workers and Temporary Workers: guidance for sponsors part 3,  an employer must report via the Sponsor Management System (SMS) within 10 working days if a sponsored worker:

·       Is absent from work without permission for more than 10 consecutive working days.

·       Takes unpaid leave or is on reduced pay (unless within permitted absences) for more than four weeks in a calendar year.

Certain absences from work are allowed under S4.26. of Workers and Temporary Workers: guidance for sponsors part 2, including:

 

S4.28 of the same guidance also provides that if an employer believes there are compelling reasons to continue sponsoring a work who has been absent from work without pay, or on reduced pay, for more than 4 weeks, the employer can report this and the reasons via SMS for the Home Office to consider.

Based on the discussion above, there may be opportunities for you to continue on the relevant work routes, as long as your sponsor is willing to maintain your sponsorship. This could apply if you are eligible for Statutory Sick Pay (SSP) for an extended period or if your sponsor has decided to continue your sponsorship for compassionate reasons that have been accepted by the Home Office. This would, of course, be an ideal solution for individuals on sponsored work routes who are seeking to settle in the UK.

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Conclusion

A personal injury or medical emergency can cause immense disruption, but it does not mean you are without options. UK immigration law is complex, especially when medical issues are involved, and expert legal guidance is essential to protect your rights and secure your status in the UK.

At Latitude Law we specialise in immigration law and working alongside colleagues at specialist personal injury firms, help individuals navigate these challenges with clarity and confidence.

Feel free to get in touch today for tailored legal advice on your immigration matters.

For a FREE initial consultation, call us now on 0300 131 6767

How can Latitude Law help?

Navigating UK immigration options during a personal injury or medical emergency can be overwhelming, especially when your status is at risk. At Latitude Law, our experienced team of immigration solicitors specializes in supporting individuals facing these challenges. Whether you need assistance with extending your visa, exploring Leave Outside the Rules (LOTR), or making a human rights claim due to medical circumstances, we provide expert guidance at every step. We also collaborate with specialist personal injury firms to ensure your immigration and legal needs are addressed holistically. Contact us today to secure tailored legal advice and the best possible chance of maintaining your status in the UK.

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"The team are responsive, helpful and professional. They are proactive and organised and create reassurance"

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Why choose Latitude Law?

As a boutique law firm specialising in UK-inbound immigration, Latitude Law understands the challenges of managing a personal injury or medical emergency alongside your immigration status. Our experts provide up-to-date advice on visa extensions, Leave Outside the Rules (LOTR), and human rights claims, handling your case with care.

With deep knowledge of immigration rules, including the Immigration Health Surcharge (IHS) and sponsored work visas, we offer practical, tailored solutions. Whether you hold a work, study, or visitor visa, we ensure a smooth process despite medical challenges.

We prioritise our clients, delivering clear, reliable advice so you can focus on recovery while we manage the legal complexities. Navigating the UK immigration system during a crisis can be daunting—let our experienced solicitors guide you through every step, from visa options to alternative routes like LOTR.

We are pleased to be recognised as a leading law firm by the following independent bodies: The Times Best Law Firms 2024, Chambers & Partners 2025, Legal 500 2025 and Who'sWhoLegal 2024. These endorsements from the international legal directories demonstrate our integrity and success in dealing with difficult cases. We are also proud of our 5-star Google reviews from over 150 satisfied clients.

Call us today on 0300 131 6767 or fill out our enquiry form and we will get straight back to you. Let our legal experts remove the uncertainty from your immigration journey during this challenging time.

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Contact us

To ensure success, let us expertly guide you through the Visa application process. Latitude Law’s specialist lawyers can help you compile all the necessary documentation and apply for your visa on your behalf - taking the stress out of the process.

Get in touch with our legal team today on 0300 131 6767 or fill out our enquiry form and we will get straight back to you. Face your future knowing you have the dedicated support of one of our expert lawyers.

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High Potential Individual Visa

This work and study route provides an opportunity for international graduates of a list of top universities, awarded an overseas (non-UK) degree or postgraduate qualification within the last 5 years, to live and work in the UK for up to 2 years. This is an unsponsored route, which means you do not need a job offer before applying.

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Skilled Worker Visa

A Skilled Worker visa is available for skilled workers of all nationalities that have been offered a position from an eligible UK company who is a registered sponsor. This route can lead to settlement and applicants can be joined by dependent partners and children. This visa can last up to 5 years before you need to apply for an extension and should be updated if you change jobs or employer.

For an initial consultation, call us now on 0300 131 6767

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