British Overseas Territories and coat of arms by the British monarch. Traditionally, the flags follow the Blue Ensign design, with the Union Flag in the canton, and the territory's coat of arms in the fly. Exceptions to this are Bermuda which uses a Red Ensign; British Antarctic Territory which uses a White Ensign; British Indian Ocean Territory which uses a Blue Ensign with wavy lines to symbolise the sea; and Gibraltar which uses a banner of its coat of arms (the flag of the city of Gibraltar). Akrotiri and Dhekelia and Saint Helena, Ascension and Tristan da Cunha are the only British overseas
British National (Overseas) 6 April 2015, all British Nationals (Overseas) staying in UK for longer than six months will be required to pay a ‘health surcharge’ in order to access National Health Service benefits offered to permanent UK residents. The status of BN(O) was specially created for British Dependent Territories Citizens of Hong Kong in 1985. Fearing a massive influx of immigrants from former British colonies, the Conservative government under Margaret Thatcher refused to grant the right of abode in the United Kingdom to residents of Hong Kong. The only exception is that a British National (Overseas) who was born before 1983 and