Now that the deal with the EU is in place, we're all aware that some things will change. One of the key changes is that the European Health Insurance Card (EHIC) is being replaced with the UK Global Health Insurance Card (UK GHIC) for all EU countries and Switzerland. So, when you are next planning a trip to Europe, make sure you have your UK GHIC or UK EHIC in place as well as your travel insurance.
The GHIC Card, what is it?
The UK GHIC is a free card that allows free or reduced-cost state medically necessary care during a temporary stay in the European Economic Area (EEA), Montengro, Australia, Jersey, Guernsey, the Isla of Man, St Helena, Tristan and Ascension and Switzerland.
The UK GHIC provides cover for fewer countries than the previous EHIC, there are currently 3 countries that will not accept the new UK GHIC; Norway, Iceland or Liechtenstein. These countries were previously covered with the EHIC. If you are visiting these countries, make sure you have appropriate travel insurance in place to cover your healthcare and pre-existing conditions.
If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you'll need to apply for a UK GHIC to replace it.
How do I get a new UK GHIC Card?
To get your new UK GHIC card please visit the NHS website.
Do children need one?
Yes, each member of the family will need their own UK GHIC or UK EHIC if they are travelling to Europe. If a child is under 16, their parent or guardian can apply for a card for them.
Do I still need travel insurance if I've got a UK GHIC or UK EHIC?
The UK government still recommends that you have travel insurance in place as well as your UK GHIC or UK EHIC card. Not all medical costs are covered by the UK GHIC or UK EHIC card when going abroad to Europe.
A travel insurance policy is especially important if you live with pre-existing medical conditions because it can give you the help you need if something goes wrong on your trip.
The UK GHIC or UK EHIC can only provide cover for “necessary healthcare” from state services. Some EU countries don't have to provide free medical care similar to the NHS, so you might only be able to access private treatment while abroad and without travel insurance, you'd have to pay for this.
