HomeFactsHow To Get A European Health Insurance Card

How To Get A European Health Insurance Card

Coverage For Quarantine Hotels In The Eu

EHIC || Get the European Health Insurance || European health insurance card 101 guide

Some EU countries require foreign visitors, including UK residents, to stay in quarantine hotels if they either:

  • test positive for coronavirus and have no or mild symptoms
  • are close contacts of someone who has tested positive for COVID-19

The costs of quarantine hotels are not covered by an EHIC or GHIC, as the UK considers these hotels to be a public health measure, not medically necessary state-provided healthcare.

If you need medical treatment while staying at a quarantine hotel, the UK Government will fund treatment as usual for UK residents or insured individuals. Use your EHIC or GHIC card, or contact the NHS Business Services Authority to receive a Provisional Replacement Certificate if you do not have a valid card.

EHIC has only ever covered emergency and necessary healthcare costs, so it is always recommended that you take out comprehensive travel insurance, including health cover, when you travel abroad.

What Does The Ehic Cover

The EHIC covers all medically necessary treatment by public healthcare providers. This includes:

  • Doctors visits. You should consult with a doctor that has a contract with the national health insurance fund in the country you are visiting. If you are not familiar with the health scheme, ask your hotel, travel guide, or locals for help in finding a doctor.
  • You will usually need a referral from a doctor to be hospitalized unless it is an emergency. Some hospitals may charge a small fee for your stay in the first few days, others will not charge anything at all.
  • Prescription medication. Most national health insurance funds will cover prescription medication, either fully or to a degree. Flu and cold medicine or over-the-counter painkillers are usually not covered.
  • Dental care. In most cases, you are covered for basic and emergency dental treatment. More complex or expensive procedures, such as dentures or crowns are not always covered by national healthcare, and therefore not by an EHIC either.
  • In most cases, ambulances are covered by the national healthcare fund, so if you need an ambulance while abroad, your EHIC should cover you.

Remember: These services are not necessarily free and may be subject to some fees, depending on the country. Sometimes, you have to pay at the time of treatment, then ask for reimbursement later on.

Where Can I Use The European Health Insurance Card

The European Health Insurance Card is a personal document that grants access to healthcare services across Europe: Europeans cannot use someone elses card and cannot give theirs away.

When abroad, the EU Health Insurance Card holder can receive medical attention in all EEA and EU countries as well as Switzerland and the UK.

Read Also: How To Apply For Low Cost Health Insurance

When Does The Card Not Apply

The European Health Insurance Card does not entitle you to coverage of expenses if you travel abroad with the intention of receiving medical treatment.

The card is normally valid for three years if you are still a member of the Norwegian National Insurance Scheme.

You have an obligation to notify Helfo of changes that may affect your right to use the card. Please contact us if you are unsure.

In the event of misuse of the card, the cardholder will be held liable for loss to the Norwegian National Insurance Scheme.

Can I Apply Online For The Ehic

Explainer: Why should you get a European Health Insurance ...

Yes. An online application is available for the European Health Insurance Card. For both new applications as well as renewals, you can apply online using the official EHIC online application form. This is free of charge. There are no costs for your application although some private companies or agencies will charge a fee if you use their services. The EHIC is free there are no costs for applying.

Apply Online for EHIC: Apply Online for the EHIC

Read Also: What Type Of Health Insurance Do I Need

Can I Use Ehic Instead Of Travel Insurance

The EHIC is not an alternative to Travel Insurance. You will still need to have travel insurance even if you have an EHIC. The EU health card does not provide the same level of coverage as travel insurance. It does not cover private healthcare, repatriation in case of death, lost or stolen luggage etc., which travel insurance covers.

What Is The Blue European Health Insurance Card

If you need medical treatment during travels in the EU, Norway, Iceland, Liechtenstein , Switzerland or the United Kingdom you will have to use the Blue European Health Insurance Card.

The Blue European Health Insurance Card is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, EEA , Switzerland and the United Kingdom.

The card is valid for five years. The validity can however be shorter, if you are planning on using the card for purposes other than holiday or living abroad. It is important that your card is valid for the entire period abroad.

The Blue Health Insurance Card does not give you access to the public health care in countries that are not mentioned above. If you wish to have a health insurance, while staying in in one of these countries, then you should take out a travel insurance with your private insurance provider.

Read Also: How Do You Get A Tax Credit For Health Insurance

Tse Card: How To Get A Spanish European Health Insurance Card

Those residents in Spain who are entitled to Spanish healthcare should apply for a European Health Card which ensures they can recieve medical treatement when travelling across the European Union.

It also allows those Brits who are resident in Spain to receive emergency healthcare when visiting Britain. Besides having to exchange your driving license and applying for TIE card, Brits resident in Spain will also have to apply for a new European health card.

The Spanish version is called a TSE .

British Pensioners in Spain who are S1 holders and UK students studying in Spain will however need to apply for a new version of the EHIC issued by Britain.

But heres some information for all other residents in Spain who, if they havent already, will need to get a TSE card.

What is it?

The Spanish version of the European Health Card or EHIC is called the Tarjeta Sanitaria Europea or TSE and entitles residents of Spain to health care in other European countries.

Who is it for and who is eligible?

The card is for those residents in Spain who have the right to health care within Spain, and their beneficiaries. You need to have a social security number and actively be paying into the social security system in order to be eligible.

When is it to be used and why do I need one?

The TSE is to be used in emergencies when you are visiting or on holiday in Europe. It is not valid when moving to another country or if the trip is for the purpose of receiving medical treatment.

How to get one?

Taxation And Government Spending

How to get European Health Insurance Card EHIC (Quick Guide)

Switzerland has an overwhelmingly private sector economy and low tax rates by standards of . The had a size of 62.8 billion Swiss francs in 2010, which is an equivalent 11.35% of the country’s GDP in that year however, the regional budgets and the budgets of the municipalities are not counted as part of the federal budget and the total rate of is closer to 33.8% of GDP. The main sources of income for the federal government are the and the direct federal tax , with the main areas of expenditure in social welfare and finance/taxes. The expenditures of the Swiss Confederation have been growing from 7% of GDP in 1960 to 9.7% in 1990 and to 10.7% in 2010. While the sectors social welfare and finance & tax have been growing from 35% in 1990 to 48.2% in 2010, a significant reduction of expenditures has been occurring in the sectors of agriculture and national defence from 26.5% in to 12.4% .

Read Also: Is Priority Health Good Insurance

What Happens If I Am Abroad And Do Not Have My Ghic With Me

In order to prove your entitlement to healthcare or treatment in the European Union, but do not have your GHIC with you, you can apply for a Provisional Replacement Certificate .

To do this you can apply for a PRC by calling the Overseas Healthcare Services at the NHS Business Services Authority on +44 191 218 1999 . You will also need the following information:

  • National Insurance Number

What Will I Have To Pay

You will get treatment on the same financial basis as local residents covered for state healthcare in the EEA country you visit. Each country has its own rules. In some, services are provided free of charge. In others, people have to pay part of the costs themselves when treatment is provided and this charge is non-refundable. Or they may have to pay the full costs first and claim a partial refund afterwards. You may find a list of EEA countries and what you will be entitled for in each country by visiting the www.europa.eu website.

You May Like: Which Health Insurance Covers Ivf

How Can I Acquire An Ehic

If you do not possess an EHIC card, you can apply for one with your national health service or insurance company.

It takes approximately 1 to 2 weeks before you receive your European health insurance card.

The EHIC is usually valid for several years. You can check this information on the back of the card.

How Can I Get A Refund From The Hse If I Paid For Healthcare Whileabroad

How do I get an EU Health Insurance Card(the blue card)?

You may be able to get a refund if you had to pay because you did not haveyour EHIC card with you or the healthcare providers charged you by mistake.

Apply for a refund to your HSE Local Health Office. Bring any receipts youhave.

The HSE will send an E126 form to the health authorities in the other stateto find out:

  • If you used a public health service
  • How much of a refund is due

When the HSE receive the completed E126 form from the other state, the HSEcan see if a refund is due or not. Further information is available on the HSE website.

Also Check: Do Employers Pay For Health Insurance

European Health Insurance Card For Non

Non-EU citizens legally resident in an EU state and covered by social security are also covered by EHIC abroad. You need to check with the local health authorities in your host country if they offer a European Health Insurance Card for non-EU citizens.

To receive the card, you must legally reside in the EU and pay or be by covered by social security. However, you cannot use your EHIC for treatment in Denmark, Iceland, Liechtenstein, Norway, and Switzerland. Croatians cannot use EHIC in Switzerland.

What Is Not Covered By The European Health Insurance Card

It is important to notice that the European Health Insurance Card is not a private travel insurance and, therefore, cannot be used as one.

The following is a list of costs and circumstances that cannot be covered by the EU Health Insurance Card:

  • Private health insurance

  • A return ticket in case of cancellation

  • Body repatriation costs

  • The loss or theft of luggage and other personal belongings

  • Healthcare services and treatments that are not free in the travellers own country*

  • Costs of treatments when the trip was made specifically for medical purposes.

  • If the public healthcare system one is travelling to is not free, the Cards holder will be charged for medical attention and treatment the same way local residents are.

Recommended Reading: Is There Health Insurance In The Philippines

How To Apply For A European Health Insurance Card In Spain

If you are resident in Spain, have a Spanish social security number and you are actively paying your contributions into the Spanish Social Security system, you should apply for the Spanish equivalent of the European Health Insurance Card which is the Tarjeta Sanitario Europea .

If you are travelling back to the UK, or to any other European country, on holiday, on business or to visit family and friends and require medical assistance, presentation of this will entitle you to receive medical assistance, free of charge.

You can apply for the card online , go into access the service and complete the details , or alternatively visit your nearest social security office, presenting your Spanish Tarjeta Sanitaria and passport and they should issue you a Tarjeta Sanitaria Europea.

Being a British passport holder no longer entitles you to free healthcare in the UK. Failure to present your European Health Insurance Card may result in you receiving a bill for any medical treatment received.

BUT PLEASE NOTE: UK Pensioners living in Spain, in receipt of a UK pension, need not apply for the Spanish Tarjeta Sanitaria Europea. As quoted by the British Embassy Since 1st May 2010, the UK is responsible for issuing the EHIC to UK pensioners resident in other EU countries. Irish pensioners will need to check with the Irish Embassy.

There is, however, an exception to this:

If You Live In Another Eu/eea Member State Or Switzerland

The European Health Insurance Card (EHIC) – a user’s guide – utalk

If you live in the EU, EEA or Switzerland, you are entitled to anIrish-issued EHIC if you any of the following apply.

  • You receive a state pension from Ireland and have an Irish-issued E Form/S1 form registered in your country of residence.
  • You work for an Irish employer and are posted to work in another EEA country or Switzerland.
  • You are a frontier worker living in the EEA and working in Ireland.
  • You are a family member of a posted worker or of someone working in Ireland and you are not covered in your own right by the EEA country you live in.

If you are resident in another EU/EEAmember state, you will need to complete a differentapplication form online, by email or post.

If you are not eligible for an Irish-issued EHIC, you should see if you areeligible for an EHIC in the country you are currently living in.

Read Also: Will My Health Insurance Pay For An Auto Accident

If You Are Travelling Outside Of The Eu/eea Or Switzerland

The European Health Insurance Card is not valid outside of the EU/EEA and Switzerland. If you are travelling to countries outside of the EU/EEA and Switzerland, it is therefore important for you to have private insurance. Find out what is included in your home owner’s insurance and whether you need supplemental travel insurance.

However, there are some countries outside of the EU/EEA and Switzerland that Sweden has an agreement with.

Can I Renew If My Details Have Changed

If none of your details have changed, you can apply for a renewal online.

If your name has changed, you can still apply for a renewal of your card by using your PIN. If you dont, you must contact the application line in order to apply for a renewal.

If your address has changed, you must first inform the EHIC team of your change of address before being able to renew online. Your renewed cards will then be sent at your new address.

Don’t Miss: What Is Meridian Health Insurance

Can I Get A European Health Insurance Card

You can only apply for an European Health Insurance Card:

  • If you live in Ireland
  • If you live in another European Union , European Economic Area member state, or Switzerland

If you live in Ireland but you are linked to another EU/EEA State’s SocialSecurity System, contact the health authorities in that country for moreinformation.

How Does The Ehic Card Work


The EHIC card replaces the old form E111. Depending on the health charges in effect in the country where you happen to be, the cost of your medical care there will be fully or partly refunded on presentation of your card. This places you on the same footing as a patient from that country.

Important: in some countries, not being able to present an EHIC card may result in private healthcare charges being applied. These are higher and will not be refunded to you back in Belgium.

You May Like: How To Check If You Still Have Health Insurance

What If I Need To Renew Some But Not All Cards For My Family

In case you need to renew only some but not all of your family members cards, you still must enter the details of each family members, including those who still have valid cards this will allow the system to keep track and link correctly the details of all family member.

When doing this, a warning message will be displayed, specifying which cards can and cannot be renewed.

What Is A European Health Insurance Card

The European Health Insurance Card is a card that gives you access to state-provided healthcare during your visit in one of the 28 EU countries . This means that you will be entitled to medical assistance under the same conditions as the residents of that country. However, EHIC cannot be used if you are moving to Germany for a longer period, but only if youre planning to spend up to 6 months there.

In some countries, people insured in healthcare are not required to pay anything with regards to the medical bills while in other countries residents are required to pay a small fee. Whatever the case is, if you have the European Health Insurance Card , you will be entitled to the same benefits and services as the rest of the people insured in that country. This is also the case for people traveling to Germany to spend their holidays.

Keep in mind, however, that the European Health Insurance Card is not the same as travel insurance. You can only use EHIC when it comes to medical matters in Germany and it will not cover costs like flight tickets or lost property. This card does not cover private medical care, so make sure youre getting treatment in the state-system.

In addition, your EHIC will not cover medical expenses if you travel for the purpose of medical treatment, it is simply a way to receive necessary medical treatment while on your visit to another country.

Read Also: How To Find Personal Health Insurance

Popular Articles

explore more