How to get a European medical card

When going abroad, the last thing that people think about is that of being injured or falling ill. Yet, this fate befalls thousands of travellers every year and an unforeseen medical emergency can prove to be very expensive. This article looks at the European medical card and how it can help in such an eventuality.

What is a European medical card?

Essentially, a European medical card, or EHIC (European Health Insurance Card) is a form of insurance card that allows you to access medical treatment abroad. It covers most countries within Europe with a few exceptions (Russia for example). Just like a driving licence, the EHIC is a standardised card which, when issued, contains your personal details, country of origin and unique identification number. It is valid for five years. The card entitles you to reduced cost (or sometimes free) state-provided healthcare in any country that is covered by it.

How do I obtain an EHIC?

Obtaining an EHIC really couldn’t be simpler. If you have access to the internet, you can apply for a card online at Dh.gov.uk, or if you prefer, there is an EHIC telephone applications line on 0845 606 2030. In both cases, the card is free and covers most travel scenarios including leisure or business, living, studying or working abroad. In the latter case though, if you intend working abroad for two years or more, it is worthwhile to check with HMRC about your exact entitlement to healthcare as you may need to fill in two further medical forms, E101 and healthcare form 106.

Are there things that are not covered by the EHIC?

The EHIC is only a basic form of insurance and is limited in its scope and therefore, you still need to take out proper travel insurance as well (some companies offer free insurance as part of their package but you need to check). The EHIC cannot, for example, be used for the reimbursement of any travel costs that you may incur after treatment abroad. Nor can it be used to cover the cost of any private treatment that you undergo abroad such as cosmetic surgery. It is worthy to check if you are unsure as to what you can expect. NHS travel advice can also be obtained from Nhs.uk. A further website, Dh.gov.uk, can give you details of any planned treatment abroad that you may require and which is unavailable to you in the UK. NHS travel advice can also be obtained from Nhs.uk (Travel Health). Finally, you should remember that the EHIC covers you in Europe not as a European. Free treatment and healthcare are very rare indeed elsewhere in the world. Therefore, be warned!