UK travelers are critically reminded to verify their European Health Insurance Card or Global Health Insurance Card to guarantee full protection during their travels.
UK travellers planning holidays in Europe or other destinations covered by health insurance agreements are being urged to ensure their European Health Insurance Card (EHIC) is valid—or apply for the Global Health Insurance Card (GHIC)—to avoid unexpected medical costs abroad.
The EHIC was replaced by the GHIC in 2020 following Brexit. However, EHICs remain valid until their expiry date, allowing Brits to continue accessing emergency and medically necessary healthcare in European Union (EU) countries and select others, such as Australia.
With many EHICs set to expire in 2025, a significant surge in GHIC applications is anticipated this year, according to travel insurance experts at Quotezone.co.uk.
What Is the EHIC/GHIC, and Why Does It Matter?
The EHIC and GHIC provide UK residents access to state-funded healthcare during trips to EU countries, ensuring emergency and essential medical treatments are covered under the same conditions as local citizens.
Without a valid EHIC or GHIC, UK tourists risk incurring massive medical bills for emergency treatment abroad. For instance:
- A broken leg in Spain could cost over £25,000.
- Surgery and medical evacuation from Greece could exceed £80,000.
Renewing Your EHIC or Applying for a GHIC
Brits can apply for a GHIC up to nine months before their current EHIC expires. Applications are free via the NHS website, although unofficial websites may charge fees.
Travel insurance experts advise allowing ample time for the card’s arrival—typically 15 working days—particularly during the busy holiday season. Physical cards are required when traveling, so plan accordingly.
Travel Insurance: An Essential Complement
Although the EHIC and GHIC offer critical healthcare coverage, they don’t cover all costs associated with medical treatment abroad. These cards:
- Do not cover private healthcare or costs such as repatriation.
- May not include personal contributions toward treatment.
- Cannot provide special assistance for extended stays due to accidents or illnesses.
To ensure full protection, travellers should also invest in a comprehensive travel insurance policy. Some insurers may waive medical treatment excess fees if the EHIC or GHIC is used, but travellers must check their policy terms carefully.
Key Travel Insurance Tips
- Inform Your Insurer About Pre-Existing Conditions: It is essential to disclose any pre-existing medical conditions to your insurance provider. Omitting this information may lead to your policy being voided.
- Understand Policy Details: Ensure the travel insurance policy aligns with the specific needs of your trip, including any activities you plan to engage in.
- Consider Additional Coverage: Look for policies that include repatriation costs and coverage for personal contributions toward treatment.
Post-Brexit Travel: What Has Changed?
Under post-Brexit travel rules, healthcare access in the EU has become more dependent on having a valid EHIC or GHIC. Without one, UK travellers may face significant out-of-pocket expenses, even if they have taken out travel insurance.
Some additional reminders for UK travellers:
- Travel insurance is not a replacement for an EHIC or GHIC.
- EU healthcare coverage varies by country, so understand the specific benefits offered where you’re traveling.
- Non-EU countries like Switzerland, Norway, Iceland, and Liechtenstein are no longer covered under EHIC or GHIC agreements.
Why 2025 Is a Critical Year for UK Travellers
As EHICs are valid for five years, many issued before Brexit will expire this year, creating a potential bottleneck in GHIC applications. Travellers who fail to renew their cards or apply for a GHIC in time may find themselves unprotected during emergencies abroad.
Leaving applications too late could also result in delays during peak holiday periods, particularly in spring and summer.
Steps to Apply for a GHIC
- Visit the NHS Website: The official site allows UK residents to apply for free.
- Complete the Online Application: Provide the necessary details, including your National Insurance or NHS number.
- Allow Time for Delivery: Cards typically arrive within 15 working days but may take longer during busy periods.
- Carry the Physical Card: Keep the GHIC in your possession while traveling.
Combine EHIC/GHIC with Travel Insurance
While the EHIC or GHIC ensures access to state-provided healthcare, travel insurance provides additional coverage for costs such as:
- Private medical treatment
- Repatriation
- Cancelled or delayed trips
- Lost or stolen belongings
Common Mistakes to Avoid
- Relying Solely on EHIC/GHIC: These cards don’t cover all medical expenses or emergencies abroad.
- Failing to Check Expiry Dates: Ensure your EHIC is valid before traveling, or apply for a GHIC well in advance.
- Not Declaring Medical Conditions: Always disclose pre-existing conditions to your travel insurer.
Stay Protected on Your Next Holiday
Healthcare costs abroad can escalate quickly without proper planning. A valid EHIC or GHIC, combined with comprehensive travel insurance, is the best way to ensure peace of mind.
As 2025 approaches, UK travellers must remain vigilant about their healthcare coverage. Don’t get caught out—apply for your GHIC in time, and invest in a travel insurance policy that meets your needs.
The post UK Travelers Critically Reminded To Verify Their European Health Insurance Card Or Global Health Insurance Card To Ensure Complete Travel Protection appeared first on Travel And Tour World.
Comment (0)