I’m an EU national living in UK since 2017. However, I do not work - I am a student. I have a National Insurance Number and have been registered with a GP since 2017.
I am going to the US soon and wanted to purchase a travel insurance. All British companies that offer them require me to be a “permanent resident” of the UK and then they list the following four conditions
being a resident of UK for at least 12 months,
being registered with a UK doctor for at least 6 months,
having a National Insurance Number,
travelling from and returning to the UK.
I satisfy all the above conditions, but I do NOT have a UK permanent residence document, described here: https://www.gov.uk/permanent-residence-document-eu-eea
My question is: why the companies use the term “permanent resident” if in fact what they mean differs from a what is legally known as a permanent residency?
Is it possible that my (potential) claim would be rejected, because I am not a permanent resident of the UK in the immigration status sense?
I asked two companies about this issue, but their answers were very vague.
Is it possible that they deliberately don’t clarify this ambiguity regarding the definition of permanent residence, so that they can take my money, but then have grounds to reject my claim if anything happens to me?
I am also aware about this thread Travel insurance for person living in UK but not technically resident but my question is a bit different – I satisfy the conditions required by the insurer, but I am confused/worried about the usage of a notion of “permanent residency”, when it seems that they don’t really require permanent residency.