What is EHIC? The European Health Insurance Card explained
The EHIC scheme gives UK residents access to the same healthcare as a local, at the same cost, when they’re travelling in certain European countries, The card has now been replaced by the GHIC but valid cards can still be used in certain countries.
Key takeaways
If you have a valid European Health Insurance Card (EHIC) that hasn’t expired, you can still use it
The European Health Insurance Card (EHIC) allows travellers access to state healthcare services in the European Economic Area (EEA) and Switzerland at reduced costs or even for free
The EHIC/GHIC provide valuable healthcare coverage, but they are not a replacement for travel insurance
What is the European Healthcare Insurance Card?
The European Health Insurance Card (EHIC) scheme enabled UK travellers access to state healthcare services in the European Economic Area (EEA) and Switzerland at reduced costs or sometimes even for free.
If they needed medical treatment while visiting one of these countries, they could avoid paying for a expensive private care and they would be able to access healthcare at the same costs as a local person.
The UK’s participation in the European Healthcare Insurance (EHIC) scheme ended in 2021, following it leaving the European Union.
At this point a new card, the Global Health Insurance Card (GHIC), which works in a similar way was introduced. However, valid EHIC cards can still be used in certain countries.
Can I still use my EHIC card?
Despite the post-Brexit changes, if you have an EHIC that's still within its expiry date, these cards remain valid until their expiration. Remember, EHICs come with a five-year validity period, so it's worth checking the date on your card before you pack your bags.
Who can still apply for an EHIC?
Applications for a new EHIC are still open to some individuals. Those who are eligible include:
EU, Norway, Iceland, Liechtenstein, or Swiss nationals who were UK residents before January 1st, 2021
British State Pensioners residing in the EU or the countries mentioned above before the specified date
UK students making a home in these countries for their studies prior to the start of 2021
Which countries accept EHIC?
It's important to note that not all countries are on board with the pre-2021 EHICs. While you can still use your EHIC in EU countries, Norway, Iceland, and Liechtenstein have opted out of accepting these cards.
Can I use the EHIC in Switzerland?
Switzerland, known for its neutrality, has taken a slightly different stance. The Swiss will continue to accept EHICs but only from:
Swiss nationals
British nationals
EU citizens
Refugees
Stateless persons
If you're a survivor or dependent of someone from these groups, you're also covered.
What is the GHIC?
The Global Health Insurance Card (GHIC), is the UK's answer to EHIC in the post-Brexit era.
This card offers similar benefits for UK citizens but comes with its geographical limitations—it's not accepted in Norway, Iceland, or Liechtenstein. Switzerland, meanwhile, applies the same limitations to GHIC as it does to EHIC.
How to use the GHIC or EHIC abroad
If you want to use your EHIC or GHIC abroad, make sure you check that you are travelling within your card’s expiration date.
If your card has already expired or is about to expire, you can apply for the new type: It is completely free. You will need to show your card before you receive medical treatment.
Do I still need travel insurance?
While EHIC and GHIC can provide a safety net for basic healthcare abroad, they are not a substitute for comprehensive travel insurance. Unlike the EHIC/GHIC, travel insurance can help you cover extra costs associated with an emergency abroad, such as the following:
Repatriation back to the UK
Cancellations and delays
Lost, damaged or stolen items
Private healthcare
Holiday firms going into administration after you’ve paid for a trip
Finding travel insurance
When planning your next European trip, don't overlook the importance of travel insurance. MoneySuperMarket is here to help you compare UK travel insurance quotes. With customisable policies and a simple application process, finding the right coverage has never been easier.
To ensure you're fully protected on your next journey, consider getting cheap travel insurance quotes with us today. It's a step that could save you a lot of hassle and expense, ensuring peace of mind as you explore new horizons.
Author
Jake Edmonds
Former Senior Commercial Manager
Jake was a Senior Commercial Manager at MoneySuperMarket, overseeing the Travel, Business, and Landlord Insurance channels. Jake joined MoneySuperMarket over six years ago, he began his career here...
Reviewer
Rebecca Goodman
Personal Finance & Insurance Expert
Rebecca is an award-winning financial journalist with over a decade of experience writing for print and online media. Her mission is to take the jargon out of personal finance and to help everyone...
