I just came across this thread because I may be in a similar situation. I have a Tier 1 visa and will be moving to London from the U.S. at the end of January, but will be looking for work and won't immediately be employed (and thus contributing to the national insurance). I've assumed that until I am employed, I won't be covered by NHS, even though I will be a legal resident of the UK. I'll be happy to be told that I'm wrong, but if my facts are correct, I will need health insurance until I'm eligible for NHS. Does anybody know of a good but economical health insurance plan for someone in my situation? I can pay for a plan provided upon my retirement from my US job (which I'll be leaving when I move), but I would have to pay out of pocket for any medical expenses, and then file a claim with them afterwards. Needless to say, that would work much better with a doctor's appt. than with expensive hospital procedures. I'm hoping for a plan that won't make me pay out of pocket first.
Again, if anybody can tell me that I would indeed be covered by the NHS the moment I become a legal resident, I will breathe easy. But if not, I will need to find a good insurance plan before I move.
Thanks, everybody!