A Must have if going on holiday in Europe this year.....FREE Medical care abroad (NHS)- EHIC (European Health insurance card) - HotUKDeals
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I just thought i'd list this to make people aware of it if they dont already know about it, as it is important to carry one of these cards while abroad inase of an emergency, so that you recieve treatment asap and best of all ITS TOTALLY FREE

I Applied online less than a week ago and my families cards have arrived already

Did you know that you can claim back most of your treatment and medication costs if you fall ill or have an accident in Europe? That's as long as you carry a European Health Insurance Card (EHIC).

From 1 January 2006 the E111 form has been replaced by the European Health Insurance Card (EHIC) so if you are a UK resident, you can apply for an EHIC by any of the means shown below.

The EHIC entitles the holder to free or reduced cost, state-provided medical treatment if you fall ill or have an accident while visiting any country in the European Economic Area (EEA). Please note that an EHIC is not a substitute for comprehensive travel insurance. If you claim medical expenses under your Post Office travel insurance policy and you use your EHIC entitlement, your policy excess will be waived. Check out our great value Post Office travel insurance.

Who's eligible?
You're eligible to use an EHIC if you are a UK resident. Your EHIC is valid for 3-5 years.

Who's covered?
EHICs are issued on an individual basis. All individual travellers are therefore required to carry their own EHIC, regardless of age.

Useful information

Only state-provided emergency treatment is covered. You generally won't be covered for private treatment.
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8y, 5m agoFound 8 years, 5 months ago
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#1
thaks, been meaning to to this for years

thanks
#2
Good idea to have one. I have had one of these for a few years now.
#3
Keep forgetting that I need to do this!
#4
thanks, keep forgetting to do this.
ONLINE applications take about 10 days
#5
No probs ppl, mine took about 5 days ;-)
#6
Got one of thses a few years back and well worth having but it's not a replacement for travel insurance.

Think mine arrived within a week of ordering and some travel insurance companies offer you cheaper insurance if you have a EHIC card like american express offer discount
#7
These things are a must for anyone travelling in Europe. Means u can get free medical help, I thinks.
banned#8
free for years.
#9
yes been putting it off for years too.
#10
did one last year for my daughter who went to spain thank god she did not need it would have usefull if she did
#11
If you apply over the phone its quicker 2-3 days.

You can only renew over the phone too.
#12
It says you must be a UK citizen, not just a resident.
#13
NFS
Got one of thses a few years back and well worth having but it's not a replacement for travel insurance.

Think mine arrived within a week of ordering and some travel insurance companies offer you cheaper insurance if you have a EHIC card like american express offer discount


Actually, it *is* a replacement for part of your travel insurance - most travel insurance policies won't pay out for medical costs which would've been covered by one of these.

In other words, they won't pay for anything you could've had covered by your Health Card but you didn't claim because you were too lazy or uninformed to have one.

It's like if you go out and leave your front door wide open and then try to claim on your house insurance when something is stolen. Having one of these is seen by many (if not most) travel insurance companies as insisting that you have the equivalent of a proper lock on your door and use it!
#14
hi went away in feb to majorca fractured 5 ribs and was covered for all treatment which would of ran into thousands of pounds would recommend to all
#15
gobofraggle
Actually, it *is* a replacement for part of your travel insurance - most travel insurance policies won't pay out for medical costs which would've been covered by one of these.
Please note that an EHIC is not a substitute for comprehensive travel insurance


In other words, they won't pay for anything you could've had covered by your Health Card but you didn't claim because you were too lazy or uninformed to have one.

It's like if you go out and leave your front door wide open and then try to claim on your house insurance when something is stolen. Having one of these is seen by many (if not most) travel insurance companies as insisting that you have the equivalent of a proper lock on your door and use it!


Your saying it is a replacement for "part" of your travel insurance and all I was getting across is that i would not just have this by itself as would always have travel insurance to acompany it and it can also get you cheaper travel insurance
#16
How come in France it only covered 80% of medical bills then? I was pestered for the remaining percentage, luckily had a free insurance cover with my bank. But it definately did not cover 100% of the bill.
#17
jacquibaby
How come in France it only covered 80% of medical bills then? I was pestered for the remaining percentage, luckily had a free insurance cover with my bank. But it definately did not cover 100% of the bill.


Answer here (and won't cover the cost of an air ambulance, of course):

What does the EHIC cover?


The EHIC is normally valid for three to five years and covers any medical treatment that becomes necessary during your trip, because of either illness or an accident. The card gives access to state-provided medical treatment only, and you'll be treated on the same basis as an 'insured' person living in the country you're visiting. Remember, this might not cover all the things you'd expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care.

The EHIC also covers any treatment you need for a chronic disease or pre-existing illness. You need to make arrangements in advance for kidney dialysis and oxygen therapy. To arrange for kidney dialysis while you're away, contact your NHS renal unit in the UK before you travel. For limited information on oxygen supply services in the EEA countries and Switzerland, call the Department of Health's Customer Service Centre on 020 7210 4850.

You may be entitled to reimbursement of any contribution you have made where the actual cost of your hospital treatment abroad, minus the amount of the contribution you have made towards the cost of your treatment abroad, is less than what it would have cost the NHS to have provided the hospital treatment in the UK. Reimbursement will be limited to the difference between the amount it would have cost the NHS to treat you here and the actual cost of the medical treatment you have received abroad, minus the contribution you have made towards the cost of your treatment abroad. You are not entitled to be reimbursed an amount greater than the contribution you made and you might not recoup all of it.

You are advised to take out comprehensive private travel insurance for visits to all countries, regardless of whether you are covered by your EHIC. Private travel insurance will cover any contribution which is not reimbursable, as well as other eventualities not covered by the EHIC.

Remember that the EHIC won't cover you if getting medical treatment is the main purpose of your trip.

Your EHIC should cover you for routine maternity care while you are away. However, if you are going to an EEA country or Switzerland specifically to have your baby, you will need an E112 form - see the 'Non-emergency treatment section' for more information.
#18
Wow, got this 2 years ago for a school trip. School said you had to get it. Good thing to post thought for those who were unaware. I think it came with a long list of countries telling you what you could get in each place, e.g I think it said it didn't apply in Switzerland, and in some countries it would only get you lifesaving treatment.
#19
I've had one of these for quite some time now, the online form is really simple to fill in, and you usually receive your card within 7 working days.
#20
Pity it dosn't cover Turkey
#21
I've got one :)
#22
Thanks for reminding me mine runs out soon, although my OH is ok until 2012 and both got at same time. weird.
Heat added
#23
Looks like a good deal. Is it a replacement of Travel insurance that you usually take when going to Europe?

Added heat!!!
#24
vkalia
Looks like a good deal. Is it a replacement of Travel insurance that you usually take when going to Europe?

Added heat!!!


See post 18 above. Not quite. Will cover - probably - most of your costs, but not all. Certainly not an air ambulance if you should need one.
#25
I have had one of these since frst going abroad - yet when I went to Greece couple of years ago they didnt care that I had that - and charged me £75 for two tablets and an injection, i tried to claim it back once back in this country and I received - a whopping £13!!!!! wow! so what is the real point please remind me!!!

Sarah
#26
collins355
It says you must be a UK citizen, not just a resident.


says resident. and asks for your nhs card number.

"Access to Healthcare Abroad
Application For European Health Insurance Card (EHIC)
If you are a UK resident, you are entitled to medical treatment that becomes necessary, at reduced cost or sometimes free, when temporarily visiting a European Union (EU) country, Iceland, Liechtenstein, Norway or Switzerland. Only treatment provided under the state scheme is covered. However, to obtain treatment you will need to take a European Health Insurance Card (EHIC) with you. Please note: Not all UK residents are covered in Denmark, Iceland, Liechtenstein, Norway or Switzerland. Click on the 'Access to Healthcare Abroad' link below, if you are unsure whether you are covered."
#27
NFS
Your saying it is a replacement for "part" of your travel insurance and all I was getting across is that i would not just have this by itself as would always have travel insurance to acompany it and it can also get you cheaper travel insurance


We aren't disagreeing - I was adding extra info that it doesn't work the other way around either:

I was pointing out that while it isn't a replacement for your comprehensive travel insurance - equally, and conversely - your travel insurance (even comprehensive) would not be a substitute for this. In other words, even if you had the travel insurance, many ins companies won't pay for things which this would've covered if you had it.
#28
Hey sounds like a great deal :)

Just wondering if i already have travel insurance is this still worth getting or not? :?
#29
LostKoRn
Hey sounds like a great deal :)

Just wondering if i already have travel insurance is this still worth getting or not? :?


Try reading back to.. oh, the post directly above yours... for the answer
#30
[COLOR=olive]Cheers, Nicnic. Just applied for one as we're off to Majorca in a couple of weeks.[/COLOR]
#31
is this like the (E111) form? :?
#32
just got this in post today! fantastic!!!
#33
just got this in post today! fantastic!!! that's 5 days, including weekend.
#34
voted hot, good reminder for all travelling in europe
#35
YEAH, I ONLY FOUND OUT WHEN MY DAUGHTER WENT ON A DAY TRIP TO FRANCE AND THE SCHOOL INSISTED ON US GETTING THIS CARD, SO, I GOT ONE FOR ALL OF US AS WE WILL BE GOING ABROAD SOMETIME.
YOU WOULD THINK THAT IF IT WAS THAT IMPORTANT THAT IT WOULD BE MADE MORE AWARE TO PEOPLE:oops:
#36
people know, generally it can be gotten from the post office. just dont bother waiting for form. now that it's online makes it so much easier.
#37
The EHIC card is indeed an excellent card to have with you on holiday ,even if you do have travel insurance. BUT it is absolutely NOT any form of substitute for travel insurance and anyone relying on this for their holidays could face financial ruin.

Firstly, on a minor point the treatment is NOT always FREE. It covers you (in most countries) for the same level of cover that local citizens enjoy and that can vary from one country to another. 70 to 80 percent is "usual".Even more importantly it does NOT cover any form of repatriation eg: a stretcher repatriation from South of Spain or Balearics with a nurse escort (required) will cost you in excess of £5,500. An air ambulance depending on foreign and UK locations will set you back anything from £5k (Northern France) to £25k (Canary Islands) EVEN IF - and it is a BIG IF - the actual medical treatment is FREE.

That apart you would NOT have any cover (understandably) for a family member to stay behind if you were taken ill; you would not be covered for their flight or their accomodation or local travel expenses.

You would NOT be covered for any medical treatment in a PRIVATE hospital and alas few of us if taken seriously ill or injured would be in a position to tell an ambulance driver to take one to a State hospital under EHIC. the overwhelming majority of all clinics in tourists resorts are PRIVATE and many local 'concerns' ensure that you are taken to a private clinic anyway for financial reasons. Equally as in UK many State hospitals are "overcrowded" and unable to accept foreign tourists except in grave emergency.Others will check them over in "A+E" and refer them on to a private clinic .... often the same Doctor will work in the private clinic, so there could be a "conflict of interests".

Anyone venturing abroad without travel insurance covering medical expenses AND repatriation (unlimited) is taking a major risk and indeed nowadays many foreign hospitals appoint UK debt collectors or solicitors to take action to recover any debts owed by tourists without insurance , many of whom have mistakenly believed that an EHIC card covers medical expenses only to find that this is NOT so when a patient is in a PRIVATE hospital.

So do of course take the excellent EHIC card (after all many state hospitals are better equipped than private ones anyway) but do NOT believe it is a substitute in part or full for travel insurance.
IF you do so and are unfortunate enough to be taken seriously ill or injured it may well cost you an arm or a leg in more ways than one. ...But of course it IS a "free choice" and many may prefer to save the modest premiums and "hope" that it will 'never happen to me'. The Foreign Office can give scores of examples of British holidaymakers who did NOT take out insurance believing that they would have a troubleferee holiday and are still paying (foreign private clinics) for their error of judgment many years later.

BE SAFE NOT SORRY
#38
thanks mjoneill for taking time to explain.
#39
yeah, thanks mjoneill ;-)
#40
I always make sure I take the E111/EHIC card with me. I get panicky if I don't! It's a bit annoying though that it doesn't cover things like cancelling your holiday or coming home early because your too ill! Usually I take out another travel insurance as well as the EHIC just in case, but my friend told me about a company called ehicplus, which is like an insurance that covers you for all the things that the EHIC card doesn't cover. I am going to try that for my next holiday which is in a couple of weeks time. Ill let you know when I try it! Apparantly prices are quite good as well, but not sure till I try!

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