British holidaymakers heading to Europe are being strongly advised to secure a free Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) ahead of their travels. These essential cards provide UK residents with access to state-provided healthcare during temporary stays in EU countries, Switzerland, Norway, Iceland, and Liechtenstein, often at a reduced cost or, in some cases, entirely free.
The call comes as many travellers may be unaware that they can obtain these vital documents without charge, with warnings issued against unofficial websites that attempt to levy a fee for what is a free government service. The only legitimate way to apply for or renew a GHIC or EHIC is directly through the official NHS website. Any other online portal asking for payment should be avoided, as these are typically third-party services that charge for simply forwarding an application, which individuals can easily complete themselves.
A GHIC largely replaced the EHIC for most new applications after the UK left the European Union. However, existing EHICs remain valid until their expiry date. Both cards cover medically necessary treatment during a temporary visit, meaning treatment that cannot reasonably wait until the cardholder returns to the UK. This includes emergency treatment, visits to A&E, and routine medical care for pre-existing conditions or chronic illnesses, such as kidney dialysis or oxygen therapy, although these often require pre-booked arrangements.
It is crucial to understand that neither a GHIC nor an EHIC is a substitute for comprehensive travel insurance. While they cover state-provided medical care, they do not extend to private medical treatment, repatriation costs back to the UK, or cover for lost luggage or trip cancellations. Travel experts consistently recommend that individuals purchase adequate travel insurance in addition to holding a GHIC or EHIC to ensure full protection whilst abroad.
Applying for a GHIC is a straightforward process, typically taking around 10 to 15 minutes online. Once approved, the card is usually delivered within 10 working days. Each card is valid for five years, meaning many individuals who obtained an EHIC before Brexit may find it is nearing its expiry and should consider applying for a GHIC to ensure continued coverage. Families should ensure every member, including children, has their own card.
The importance of these cards is underscored by the potential financial burden that could arise from unexpected medical emergencies abroad without them. Without a GHIC or EHIC, travellers could face significant bills for hospital stays or doctor visits, potentially running into thousands of pounds, depending on the country and the nature of the treatment required.
Source: Money Saving Expert