Getting An EU Medical Card: How To Do It And What You Get

Introduction to the European Health Insurance Card (EHIC)

The European Health Insurance Card (EHIC) is an invaluable asset for travelers within the European Economic Area (EEA) and Switzerland, offering access to state-provided healthcare during temporary stays. The EHIC simplifies the process of receiving medical care abroad by allowing cardholders to access services on the same basis as residents of the country they are visiting.

Eligibility Criteria for EHIC

Who Can Apply?

To be eligible for an EHIC, you must be:

• A resident of an EU country, Iceland, Liechtenstein, Norway, or Switzerland.
• A national of any of the aforementioned countries, or have a refugee status or are a stateless person residing in these countries.

Family Applications

Each family member requires their own card, but a primary applicant can apply for all eligible family members simultaneously using the same application form.

How to Apply for an EHIC

Applying for an EHIC is straightforward and can be done through multiple channels:

1. Online Application: Visit the official NHS EHIC application page to fill out and submit your application digitally.
2. Manual Application: Download the application form from the NHS website, complete it, and mail it to the specified NHS address.
3. Telephone Service: Use the automated telephone service provided by the NHS for application guidance and submission.

Processing Time and Validity

The card is typically processed within 10 days and is valid for up to 5 years from the date of issue.

Coverage Provided by EHIC

Healthcare Benefits

With an EHIC, you are entitled to:

• Treatment of pre-existing medical conditions.
• Routine maternity care (as long as you're not traveling expressly to give birth).
• Treatment of sudden illness or injury.

What EHIC Does Not Cover

• Healthcare services where you travel with the intention to receive treatment.
• Private healthcare services.
• Costs for repatriation to your home country.

Limitations and Additional Considerations

Co-payments

Some EEA countries require residents to pay a co-payment for certain healthcare services, which also applies to EHIC holders. For instance, in France, a typical co-payment might be about 30% for a doctor's visit.

EHIC vs. Travel Insurance

It is crucial to note that EHIC is not a substitute for travel insurance. EHIC does not cover private healthcare or costs such as a flight home or lost/stolen property. Therefore, comprehensive travel insurance is strongly recommended for all travelers.

Post-Brexit Considerations

Following Brexit, the UK has introduced the Global Health Insurance Card (GHIC), which functions similarly to the EHIC but is specific to UK residents. UK citizens can still use their EHIC until its expiry, after which they should apply for a GHIC.

Conclusion

The European Health Insurance Card is a must-have for travelers seeking peace of mind while exploring Europe. By ensuring you understand the application process, eligibility, and coverage, you can avoid unexpected medical costs and enjoy a safer travel experience. Remember, an EHIC complements but does not replace travel insurance, making both essential components of travel preparations.