European Health Insurance Card

Everything you need to know about European Health Insurance Cards

By Mehdi Punjwani on Tuesday 5 June 2018
 

The European Health Insurance Card, or EHIC for short, entitles you to medical treatment, either free or at the standard cost for nationals, in 31 European countries.

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The European Health Insurance Card is a document that allows you access to medical treatment in 31 EU and EEA countries, either for free or at a reduced cost, during a temporary stay – as long as the medical treatment isn’t the specific reason for your travels.

It replaced the E111 card that was discontinued in 2005, and the current government has promised that the EHIC scheme won’t be affected by Brexit.

 

EHIC checklist infographic

Why do I need a European health insurance card?

You’ll need an EHIC as it will cover you if you need medical treatment for:

  • a pre-existing condition that flares up while you’re abroad, or that requires monitoring and attention – for example, diabetes
  • routine maternity care
  • a sudden illness or accident

However, this cover will only be given if you haven’t travelled specifically to receive treatment from the country you’re in.

The EHIC will cover you until you return to the UK, and in some cases will mean you pay nothing for any care you receive. However, not all EEA countries have a health system like the NHS, which is free at the point of use. In this case, you might have to make a contribution towards your treatment, which you can then claim back when you return to the UK.

There are also some parts of the EEA where state-provided health care may not be available, and therefore the EHIC won't provide you with any protection. The EHIC also won’t be accepted in the following European destinations:

  • The Channel Islands
  • The Isle of Man
  • Monaco
  • San Marino
  • The Vatican

For more detailed information on what the EHIC covers in each participating country, visit the NHS Choices website.

Where can you use an EHIC card?

Does my child need a European health insurance card?

Every member of your family needs their own EHIC – including your children. Under-16s need a parent or guardian to apply for their EHIC, while you can also apply for an EHIC on behalf of your child if they are still in full-time education and under the age of 19. You’ll need their full name, date of birth, and NHS or National Insurance number.

If you have the necessary information, you can also apply on behalf of your partner.

Do I need travel insurance if I have a European health insurance card?

If you already have a European health insurance card you will still need travel insurance. That’s because the EHIC only helps you with the cost of medical treatment – it doesn’t provide cover for a number of things that travel insurance does, such as:

  • Theft and loss – if you lose your luggage, phone, or passport or are the victim of theft, your travel insurance may be able to help.
  • Delay – you may be able to claim for cancellations or delays.
  • Other costs – if you are seriously injured or ill on holiday, your coverage may include further transportation for medical treatment, as well as flights, visits from family members and extra accommodation.
  • Rescue – travel insurance will usually cover mountain rescue or an air ambulance if you get injured/stuck while on a winter sports holiday, provided you include the winter sports option.
  • Repatriation – some insurers also cover the cost of bringing you back to the UK if you require urgent treatment (or your body if you die while overseas).

Travel insurance minimum cover infographic

How do I apply for a European health insurance card?

You can apply for an EHIC online through the official NHS Business Services Authority website. You can also apply offline by either calling the official automated service on 0300 330 1350, or downloading an application form from the NHS website.

Once they’ve received your application, you should receive your EHIC within 7 days.

If you apply online, you should be careful about how you do it because there are a number of scam websites that will try to accept payment from you in order to apply for an EHIC on your behalf. Applying for an EHIC is free, provided you go through the official channels, and any website that asks for payment in return for ‘reviewing’ or ‘fast-tracking’ your application cannot actually influence this at all.

Some of these fake EHIC application sites look very convincing and often appear high up on search engine results pages. Some of them even say you can get the EHIC for free via the NHS, but they charge you for applying on your behalf.

Sadly if you are taken in by one, you're unlikely to get your money back so make sure to only use the official EHIC website if you apply for a card online.

How to renew a European health insurance card

Your EHIC is valid for five years, but you’ll be eligible for a European health insurance card renewal up to six months before the expiry date. As with applying, renewing European health insurance cards is free – UK residents can renew online if your personal details haven’t changed. Keep in mind that any time left on your EHIC doesn’t roll over once you renew.

If you’re renewing your family’s EHICs

If you need to renew an EHIC for members of your family, you’ll have to enter the details of everyone in your family – even those whose cards haven’t expired/aren’t within six months of expiry. This makes sure that your family’s details all remain linked together. During the application, you should receive a message telling you only that only the cards eligible for renewal will be renewed, while the others won’t be.

If you need to change any of your, or your family’s, personal details, you’ll need your personal identification number (PIN), which is found on the same line as your date of birth on the EHIC. It begins with UK, followed by a series of numbers, and it’s a useful number to have at hand as it helps the EHIC team find you on the system. If you need to change details and you don’t have your PIN, you may not be able to renew your EHIC online, so you’ll have to call 0300 330 1350 to do so.

How to renew if you’re living abroad

If you’re living abroad, you can renew a European health insurance card by contacting the Overseas Healthcare Team. But remember, you’re only eligible if you live abroad and you are:

  • Receiving a UK State Pension
  • Receiving exportable UK benefits
  • Are a posted or frontier worker
  • Live in the EEA and are a family member of someone working in the UK

Visit the official NHS website for the European Health Insurance Card for details on how to renew if you’re living abroad.

Prepared for going abroad

If you’re travelling to one of the 31 EU and EEA countries, having an EHIC could prove invaluable should you need emergency medical treatment. However the EHIC is more of a safety net than a substitute for travel insurance, so it’s advisable to take out a good policy to ensure you’re covered for anything that might go wrong on your trip.

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