What does an EHIC really cover?
A European Health Insurance Card is a must if you're heading off to the continent. But what protection does it actually offer?
Most of us have probably heard of an EHIC or European Health Insurance Card - the credit card size piece of plastic you can produce across Europe to get free or reduced cost medical treatment.
Over 23 million of us have a card according to the Department of Health, but while it’s free to get one, how many of us really know what it covers and when we can use it?
Despite the name, an EHIC is no substitute for travel insurance, and it’s not a passport to free on tap medical treatment either; in fact in some countries you may need to fork out up front for treatment or at least make a contribution towards any costs.
But on the plus side using your EHIC for minor treatment can save you having to stump up the ‘excess’ on your travel policy if you get free or low-cost treatment.
Where can you use it?
You can use your card anywhere within the ‘European Economic Area’; so that’s all the countries in the EU plus Iceland, Norway, Liechtenstein and it also applies in Switzerland. You can find a full country guide on the NHS website.
Travel further afield and there’s no cover under the EHIC scheme, although some countries do have reciprocal arrangements with the UK, like Australia, New Zealand and Croatia, where you can get reduced cost medical treatment.
What does an EHIC cover you for?
You’re entitled to healthcare on the same basis as the locals in whatever country you’re in. But this is the ‘basic level of state healthcare’, and as each country’s healthcare system varies, your EHIC may not cover all your costs.
If you’re on holiday in France and need medical treatment, then you’ll usually be expected to pay a doctor or dentist directly, even with an EHIC, but can pick up a treatment form which enables you to apply for a refund. You should then be able to claim back around 70% of your costs, which you can do by calling the NHS Overseas Team on 0191 218 1999. However you’ll need to submit your receipts and treatment form so make sure you hang on to any paperwork you’re given.
In Spain and Switzerland dental treatment is generally not available under the state system so you may well have to stump up. And in Cyprus, while it’s free for a doctor to issue you with a prescription (if you show your EHIC), you may get charged to pick it up from a chemist unless you visit a state pharmacy.
If your EHIC won’t cover the full cost of any treatment, you may be able to claim back the remaining ‘unpaid’ portion of the bill from your travel insurer. Some insurers like Churchill will waive the usual policy excess if the bulk of your bill is covered by your EHIC.
How to use it
In practice you should be able to claim your free or reduced cost treatment by simply showing your card to the doctor, dentist or consultant carrying out your treatment.
EHIC or travel policy?
So which is best to use and when? There’s no hard and fast rules on this but the Association of British Insurers (ABI) recommends that your EHIC is best kept for relatively routine treatment, such as if you need antibiotics, develop toothache or have a scrape that becomes infected.
Even if you don’t need to make a claim on your travel insurance for a minor incident like this, it’s best to let your insurer know that you’ve had medical treatment abroad.
If you’re unlucky enough to need more serious or emergency medical treatment then the ABI recommends using your travel insurance as policies provide not only medical cover, but will often cover other subsequent costs, which can be anything from rearranging your flight home, to having a family member stay on with you and even taxis and transport to the hospital for further appointments.
With some travel policies you’ll also be able to claim back things like the cost of phone calls which can quickly add up and would naturally be excluded if using your EHIC.
Do I need my EHIC on me to claim?
You’re covered for travel from the date of your application for up to five years, and if you’re abroad and lose your card you can apply for a provisional replacement certificate by calling the NHS overseas team on 0191 218 1999.
You’ll need to give details including your name, address, age and national insurance number but a temporary certificate can then be issued to the doctor or hospital treating you.
Applying for an EHIC
Make sure you apply for a ‘free’ one on the official EHIC website. There are some commercial sites out there charging fees of around £9.99 at time to supply them, which is a complete con as they are absolutely free!
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