European Health Insurance Card: What You Need to Know

Are you an EU citizen looking to travel within the European Union? Do you want to make sure that you have access to medical care while you’re away from home? If so, then you should consider getting a European Health Insurance Card (EHIC). This article will provide all the information you need to know about the EHIC, including what it is, how to get one, and what it covers.

What is the European Health Insurance Card?

The European Health Insurance Card is a free card that provides EU citizens with access to medically necessary healthcare during a temporary stay in any EU country as well as in Iceland, Liechtenstein, Norway, and Switzerland. The EHIC covers treatments that are required for medical reasons and does not cover medical tourism or healthcare in private clinics, among other things.

The EHIC is personal and non-transferable. That means that every family member needs to have their own EHIC. The card is valid for up to five years and can be renewed online or by post. You can apply for an EHIC either online, by phone, or by post.

What countries are covered by the EHIC?

The EHIC covers all EU countries as well as Iceland, Liechtenstein, Norway, and Switzerland. This means that if you are traveling to any of these countries for work, study, or leisure, you can use your EHIC to access healthcare if you need it.

Who is eligible for an EHIC?

Any EU citizen who is insured under a statutory social security scheme in an EU country is eligible for an EHIC. This includes people who are employed or self-employed, as well as students and retired people. Family members who are not insured but are dependent on someone who is insured may also be eligible for an EHIC.

Do I need travel insurance if I have an EHIC?

Yes, you should always take out travel insurance in addition to your EHIC. The EHIC does not cover everything and does not cover the costs of repatriation, lost or stolen property, or personal liability, among other things. Travel insurance will provide you with additional coverage for these things.

What does the EHIC cover?

The EHIC covers medically necessary treatment that cannot wait until you return to your home country. This includes emergency treatment, routine check-ups, and treatment for pre-existing conditions. It also covers the provision of oxygen and kidney dialysis, as well as the treatment of chronic illnesses such as asthma, diabetes, and epilepsy.

If you have a pre-existing condition, you may need to inform the healthcare provider when you present your EHIC. This is because some countries require you to fill in a specific form to get treatment for a pre-existing condition.

Does the EHIC cover dental treatment?

The EHIC covers medically necessary dental treatment, but it does not cover routine dental care such as check-ups, fillings, and tooth extractions. It also does not cover dental treatment done for cosmetic reasons.

Does the EHIC cover pregnancy and childbirth?

The EHIC covers medically necessary treatment related to pregnancy and childbirth. This includes antenatal care, delivery, and postnatal care. However, it does not cover the costs of giving birth in a private hospital.

FAQ

Question
Answer
How long is the EHIC valid for?
The EHIC is valid for up to five years.
Can I use my EHIC in non-EU countries?
No, the EHIC is only valid in EU countries as well as Iceland, Liechtenstein, Norway, and Switzerland.
Do I need to pay for an EHIC?
No, the EHIC is free of charge.
Can I apply for an EHIC if I am not an EU citizen?
No, only EU citizens are eligible for an EHIC.
Can I use my EHIC to get treatment for a pre-existing condition?
Yes, as long as the treatment is medically necessary and cannot wait until you return to your home country.

Conclusion

The European Health Insurance Card is a valuable asset to EU citizens traveling within the European Union. It provides peace of mind that you will have access to necessary healthcare during your stay. Remember to always take out travel insurance in addition to your EHIC, as the EHIC does not cover everything. Whether you’re traveling for work, study, or leisure, make sure to apply for your EHIC before you go.