Traveling Europe? Whether you’re hiking in the Alps or enjoying a sunny beach, unexpected health issues can ruin a trip. The European Health Insurance Card (EHIC) ensures you’re not left stranded—not so much as a minor mishap.
What Is the EHIC and What Does It Cover?
- The EHIC is a free card that gives you access to state-provided, medically necessary healthcare in any of the 27 EU countries, Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom, under local public healthcare terms.
- It covers things like emergency care, treatment for pre-existing conditions, pregnancy-related care, and even childbirth, but does not cover private healthcare or planned treatments.
How to Use the EHIC While Traveling
- Simply present your EHIC at a public hospital or clinic, and you’ll receive care at the same cost as local residents. Some services may still require a co-payment, depending on the country.
- If you pay upfront, save receipts and either claim reimbursement from the national health authority while abroad or submit them later to your home provider.
Apply for It—Quick, Easy & Free
- Applying for the EHIC is free and simple. Just contact your national health insurance provider, and many countries offer online applications with fast delivery.
- If your travel is last-minute, consider applying for a Provisional Replacement Certificate (PRC) to ensure coverage.
Is the EHIC Still Valid Post-Brexit?
Yes! If you have a UK-issued EHIC still within its validity period, it’s accepted across the EU and associated countries.
New UK-issued cards are now called the Global Health Insurance Card (GHIC), which offers similar coverage to the EHIC.
Key Benefits of Having EHIC or GHIC
| Advantage | What It Means for You |
|---|---|
| Low or No Cost Care | Emergency and necessary medical care abroad |
| Covers Chronic Conditions | Important treatments included |
| Easy to Apply & Replace | Free, fast, and straightforward |
| Accepted in Multiple Countries | Works across EU, EEA, Switzerland, UK |
Final Takeaway
The EHIC (and GHIC for UK residents) is not a replacement for travel insurance but a smart addition. It’s free, covers urgent medical needs, and helps prevent unexpected health costs while traveling. Always combine it with comprehensive travel insurance for full protection.
Safe travels—may health risks be minor and cover be ample!
