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The European Health Insurance Card

What is a European Health Insurance Card (EHIC)?

The European Health Insurance Card, known as EHIC, allows UK residents reduced cost or free of charge state-provided emergency healthcare within the European Economic Area (EEA) countries, including Switzerland, on the same basis as a local resident would receive.

It is important to understand that the EHIC is not a complete alternative to travel insurance - the level of cover that the card entitles you to will vary from country to country. As an example, your costs would not be covered if you were to require mountain rescue at a ski resort or if you needed flying back to the UK. The card will only cover the holder for the same level of state provided medical treatment that a local resident to the country would receive and this is not usually as comprehensive as the NHS.

Before travelling make sure that your EHIC is valid (cards last for 5 years) and that you store it in a safe place – if you do require medical treatment abroad you will be expected to show your card.


So why should I bother taking an EHIC on holiday?

Because state healthcare facilities will recognise it and thus avoid any delays while they establish what travel insurance you may have.  And, as a Thank You for using it, we will not deduct the policy excess shown in schedule of limits and excess that normally applies for a claim for medical expenses.


Where can I use the EHIC?

The EHIC is accepted within the European Economic Area (EEA). This means the card is recognised in the following countries:

Austria, Belgium, Bulgaria, Croatia, Cyprus (excluding Northern Cyprus), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland.


Where can I get an EHIC from?

EHIC cards are free of charge to UK residents and can be applied for or renewed using the European Health Insurance Card website.

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Key Features
& Policies Include

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