In case you’re wondering,
The UK’s Global Health Insurance Card1 is a great way to make sure you’re covered when traveling outside the UK. It provides access to healthcare in over 150 countries and territories and includes emergency medical evacuation coverage if something goes wrong.
This card can be purchased by anyone who has been living in the UK for more than three months, so if you are planning on traveling abroad soon, it may be worth investing in this insurance policy!
What Do the UK Global Health Insurance Card (Ghic) and European Health Insurance Card (Ehic) Cover?
GHIC covers many things that other travel insurance policies might not include, such as repatriation (emergency medical evacuations), illness or injury due to accidents while abroad, pre-existing conditions, and routine dental treatment.
Other benefits include pregnancy care at 100% of the UK NHS funding, a 120-day policy limit in most countries, and free annual reviews for health changes.
GHIC covers many things that other travel insurance policies might not include, such as repatriation (emergency medical evacuations), illness or injury due to accidents while abroad, pre-existing conditions, and routine dental treatment. Other benefits include pregnancy care at 100% of the UK NHS funding, a 120-day policy limit in most countries, and free annual reviews for health changes.
EHIC stands for “European Health Insurance Card.” This card entitles you to receive the same healthcare as a local person in any country participating in the EHIC scheme.
Let me show you;
- Emergency medical care provided by public and private hospitals
- Preventative treatments for chronic conditions2 (e.g., annual checkups)
Who Should Consider Buying This Card?
Many people might not realize it, but this cover applies even when you’re visiting your family or friends overseas- so regardless of whether you are simply holidaying there or residing full time, you will get protection from illness and injury during your stay!
There are other situations where having health cover would be helpful, such as looking after a sick family member or having had an accident.
How Much Does It Cost?
The UK Global Health Insurance Card costs £176 for adults and children over the age of 16; however, if you are under that age, it will cost £125.
It gets better:
There’s also no limit on how many times you can purchase this card, so if you want to be protected entirely from illness, then there’s no reason to. For more information about insurance policies, contact your travel insurer.
What Is Not Covered By the UK Global Health Insurance Card (Ghic) or European Health Insurance Card (Ehic)?
Let’s have a look:
The UK’s GHIC doesn’t cover things like:
- Treatment of pre-existing conditions, pregnancy, and childbirth.
- It also doesn’t include any medical care for injuries that happen while you’re abroad or repatriation back to the UK in the event of severe illness or injury.
The UK’s Global Health Insurance Card covers most emergency services but won’t help with prescriptions or dental treatment unless there has been an accident while traveling which caused injury or illness requiring such treatment. It also doesn’t include pre-existing health problems, like high blood pressure or asthma, for example.
Is the Ehic Still Available Following ‘Brexit’?
No. You will need a UK Global Health Insurance Card (GHIC), but your card will still be valid until it expires.
How Can You Apply?
You need to apply online; you will need your National Insurance number and a UK debit or credit card.
This is a UK-based service, and you can apply for your card online in just minutes. Once approved, a pack will be sent to your UK address (or whichever country you’re using from) which includes the GHIC itself, as well as information about how it works and what cover it provides.
You can then either post back this full pack or return an EHIC application form with photo ID and proof of UK residency within 28 days so we could send out your new GB-only NHS health insurance card.
Two Ways to Get a UK Global Health Insurance Card:
- Buy an annual travel insurance policy that includes the UK’s EHIC and make sure it covers you throughout your holiday period, including any other activities in between (e.g., skiing)
- Apply online at ehiccard.org/apply to be sent one direct from the Government – this should take around seven days but can sometimes take up to six weeks, so it is worth applying well in advance of leaving on your trip if possible.
Which Countries Are Covered By Ghic?
GHIC will cover you in all 28 countries of the European Union, plus Iceland, Norway, and Switzerland.
How To Use An EHIC or GHIC?
You can use the card to get state healthcare in any of these countries temporarily. To do this, you need to show your EHIC or GHIC and some form of identification (or passport) to take up medical treatment at no cost:
l In an A&E/accident & emergency department
l For maternity care
l Treatment for chronic illnesses like diabetes and asthma
Suppose hospitalization is needed, but only if it’s required immediately because of illness or injury. You should not be admitted as a long-stay patient unless it’s clear that your condition will need such care from day one. Depending on what country you’re visiting, it may still be possible that private health insurance will cover a stay in a private hospital or a more expensive form of treatment.
What Does the GHIC Card Cover?
- Emergency medical care
- Outpatient services, including GP surgery and specialist referrals
- Prescription drugs in some countries
- It provides free or low-cost medical treatment abroad, wherever you go in the world.
Is GHIC An Alternative to Travel Insurance?
No, the GHIC is not a substitute for travel insurance. Still, it does provide some cover in an emergency when you’re abroad and need medical treatment or hospitalization which may be more expensive than at home.
In a nutshell,
The UK Global Health Insurance Card is a free way to give you the best level of cover for your trip abroad. It covers many different types of medical treatment and can be used in all EU countries and other counties around the world, such as Australia or Canada. So if you’re traveling this year with no travel insurance, then I would strongly recommend getting a GHIC before heading off on holiday!