(1). who needs to pay the IHS fee?
You don’t have to pay the immigration healthcare surcharge (IHS) if you’re applying from outside the UK for a visitor visa or any other visa that lasts 6 months or less.
You don’t need to use the healthcare surcharge service or get an IHS reference number for your visa application. Instead, you’ll need to pay for any healthcare treatment you receive through the NHS at the point you use it.