As of 2025, many UK residents’ European Health Insurance Cards (EHICs) are reaching their expiration dates. Post-Brexit, the UK introduced the Global Health Insurance Card (GHIC) to replace the EHIC, ensuring continued access to necessary medical care when travelling within the European Union (EU). It’s crucial to understand the scope of the GHIC and the importance of comprehensive travel insurance to safeguard against unforeseen medical expenses abroad.
Transition from EHIC to GHIC
The EHIC provided UK travellers with access to state-provided healthcare in EU countries at the same cost as residents. Following Brexit, the GHIC was introduced to maintain this benefit. If your EHIC is still valid, you can use it until its expiry date. However, with many EHICs expiring in 2025, it’s essential to apply for a GHIC to ensure uninterrupted healthcare coverage during your travels.
Applying for a GHIC
The GHIC is free of charge and can be obtained through the official NHS website. Be cautious of unofficial websites that may charge fees for processing your application. To apply, visit the NHS GHIC application page.
Coverage and Limitations of the GHIC
The GHIC allows UK travellers to access medically necessary state-provided healthcare in EU countries at the same cost as local residents. However, it’s important to note:
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Not a Substitute for Travel Insurance: The GHIC does not cover private medical healthcare, mountain rescue in ski resorts, or repatriation to the UK. Therefore, comprehensive travel insurance is essential to cover these aspects.
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Country Limitations: The GHIC is not valid in Norway, Iceland, Liechtenstein, or Switzerland. If you’re travelling to these countries, obtaining appropriate travel insurance is imperative.
Importance of Travel Insurance
While the GHIC provides access to necessary medical care, it does not cover all potential expenses. Comprehensive travel insurance offers broader protection, including:
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Emergency Medical Treatment: Coverage for both public and private healthcare facilities.
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Repatriation Costs: Expenses related to returning to the UK due to medical reasons.
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Cancellation and Curtailment: Financial protection if your trip is cancelled or cut short due to unforeseen circumstances.
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Personal Belongings: Coverage for loss, theft, or damage to your possessions while travelling.
Without travel insurance, travellers may face substantial medical bills. For instance, medical emergencies abroad can lead to significant expenses, and without adequate coverage, individuals would be responsible for these costs.
Key Takeaways
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Check Your EHIC Expiry Date: If it’s expiring soon or has expired, apply for a GHIC promptly.
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Always Carry Your GHIC: Present it to public healthcare providers in EU countries to receive treatment at the same cost as residents.
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Purchase Comprehensive Travel Insurance: Ensure it covers areas not included in the GHIC, such as private healthcare and repatriation.
By staying informed and prepared, UK travellers can enjoy their European trips with peace of mind, knowing they are protected against unforeseen medical expenses.
