Features of the EHIC
Many tourists think that carrying a European Health Insurance Card (EHIC) is enough to cover any medical emergency whilst on holiday in Europe. But the European Health Insurance Card should never be used as a replacement for travel insurance as it doesn't provide suitable cover on its own. For one, the EHIC won't cover repatriation back to the UK, which can be a colossal expense.
The EHIC is free to all British nationals and it can be used in the European Economic Area and Switzerland for access to state provided healthcare.
Access to state provided healthcare
Your EHIC entitles you to cheap (and sometimes free) state provided healthcare in the European Economic Area and Switzerland. Remember that healthcare that is normally free on the NHS might not be abroad. It's important to remember that healthcare in other countries will not always be to the same level you would expect from the NHS.
Free to all British nationals
The EHIC is free to all British nationals
Apply for your EHIC online quickly and conveniently at www.ehic.org.uk.
Other means of applying
Apply by calling 0845 606 2030 or by filling out an application form at your local post office.
Just provide your name, address and National Insurance or NHS number.
Your EHIC is valid for up to five years.
Replacement for E111 forms
The EHIC has replaced E111 forms, which are now invalid.
Each traveller should have their own EHIC, including children.
Adults must apply for an EHIC on behalf of children under 16.
The EHIC should not be used as an alternative for travel insurance. The EHIC does not cover repatriation costs or other expenses such as lost baggage or travel delay.
Maternity care and pre existing medical conditions
The EHIC will cover maternity care and symptoms that arise as a result of pre existing medical conditions whilst you are abroad.
Specific treatment abroad
The EHIC will not cover the cost of specific treatment you plan to receive abroad or private healthcare.
Take your EHIC with you
When you are on holiday, carry your EHIC with you as proof of your entitlement to state provided healthcare.
Buy travel insurance to accompany your EHIC
Some Brits have had to face the devastating mistake of carrying a European Health Insurance Card without accompanying it with comprehensive travel insurance. Some have had accidents or severe health problems. Some aspects of their medical treatment were covered by their EHICs, but their repatriation back to the UK was not.
Tourists that require repatriation back to the UK on a specialist flight will be covered by their travel insurance, but it will not be covered by an EHIC. Special air carriers that provide stabilisers or specialist medical equipment can cost thousands of pounds.
Some British travellers have been stranded in Europe after sustaining severe injuries or illnesses, all because they thought their EHIC would be enough to cover all their expenses. Don't get caught out. Buy comprehensive travel insurance to accompany your EHIC to ensure you have full cover. Travel insurance is also necessary to cover the cost of lost or stolen baggage, cancellation and travel delay.
Frequently Asked Questions
If you don't travel much then single trip cover is perfect as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy. If you travel 2 or more times a year, it may be cheaper for you to go for annual trip cover. It's best to start your anual trip cover as soon as possible, as if you have cancellation cover, you'll only benefit from this from your policy start date.
A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-exisiting conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it include any countries where your ship will be docking at.
If you are taking out single trip cover, and have cancellation cover incuded, you'll be covered for cancellation from the moment you buy your policy. However, if you are taking out annual trip cover, and have cancellation cover included, you'll be covered from the start date of your policy. Consider starting your annual trip cover as soon as possible, especially if you have already booked your trip!