Ever the optimist, in a week when foreign travel slipped even further from our grasp, I’m now the proud owner of the new GHIC card. It replaces the EHIC card, though Brits still in possession of a valid card can use it until it expires.
What does it cover?
The UK government website says:
An EHIC or GHIC covers state healthcare, not private treatment. With an EHIC or GHIC you can get emergency or necessary medical care for the same cost as aresident in the country you’re visiting. This means that you can get healthcare at a reduced cost or for free, but planned treatment is not covered. What is covered does vary from country to country, so it’s best to check on the website. There’s a handy drop down menu for each country. You can also use the FCDO travel advice by country site; the “Health” section has helpful country-specific information. Broadly speaking, though, if the treatment would be free in the UK, then for card-holders it also would be for the countries that are part of the scheme.
Where is it accepted?
Basically, it’s valid throughout most of the EU, but there are some exceptions. The following parts of Europe are not covered by the scheme, but also didn’t accept the EHIC: the Channel Islands, including Guernsey, Alderney and Sark; the Isle of Man; Monaco; San Marino and the Vatican. In addition, UK GHIC holders are no longer covered for treatment in Norway, Iceland, Switzerland and Liechtenstein. Contrary to the “global” in its name, it doesn’t entitle the holder to global cover.
What if I lose it?
The government website is clear that you’ll still be covered but you will need to apply for a PRC, which stands for the Provisional Replacement Certificate. If you lose your GHIC or it is stolen while you are away, then call NHS Overseas Healthcare Services on +44 191 218 1999. Someone will be there to help you from Monday to Friday, 8am to 6pm, but not at weekends.
So why do I still need travel insurance?
One of the most costly aspects of a medical emergency or serious incident abroad is the cost of getting home. This isn’t covered by the GHIC (and also wasn’t covered by the EHIC). So for instance, if during the course of treatment you are told by doctors that you can be medically repatriated to the UK, the bill can run to thousands of pounds. Even if that’s not the case, some countries expect you to pay at least part of the cost for your treatment upfront and then claim it fully or partially back later. Having decent travel insurance is vital.
How to apply
Applying is free if you are a UK citizen. Applications are made through the NHS website and you will not need to enter any payment information. However you will need your NHS number or National Insurance number, so have it to hand. The form’s pretty straightforward and only takes a few minutes.