Introduction
If you’re planning to travel outside your home country, you should consider purchasing a travel insurance policy that covers a range of unforeseeable emergencies from medical care to trip cancellations. However, when traveling to European countries, the idea of the European Health Insurance Card (EHIC) and the Global Health Insurance Card (GHIC) may seem confusing to some. EHIC and GHIC are two types of cards that provide access to public healthcare systems in European countries. In this blog post, we will discuss the differences between EHIC and GHIC to help you make an informed decision about the type of card you need.
What is EHIC?
EHIC is the European Health Insurance Card, and it provides its holder with access to public healthcare within the European Union and beyond, including Switzerland, Norway, Iceland, and Liechtenstein. The EHIC covers medically necessary treatment until the cardholder returns to their home country.
What is GHIC?
GHIC is the Global Health Insurance Card, which is the replacement of EHIC after Brexit. It works the same as EHIC, providing access to medically necessary treatment in European countries but also covers the United Kingdom. GHIC holders can use this card to get necessary medical treatment during any temporary stay in the countries covered.
Differences between EHIC and GHIC
The GHIC works in the same way as EHIC, but there are a few differences between the two. Firstly, GHIC covers the United Kingdom, whereas EHIC does not. Secondly, GHIC cards can be obtained by residents of the UK after Brexit, while EHIC was available to citizens of the European Union. Lastly, the layout of the card has changed to indicate the holder’s country of citizenship.
How to apply for EHIC/GHIC
EHIC/GHIC cards are free of charge and easy to obtain. You can apply for EHIC or GHIC online on the official government website of your country. You’ll need to provide some personal information like your name, address, date of birth, and national insurance number (UK). Once approved, the card will be delivered to your home address within a few days.
What does EHIC and GHIC cover?
EHIC/GHIC provides cover for medically-necessary treatment during your temporary stay in European countries, including pre-existing medical conditions and routine maternity care. The card covers the treatment provided by state-funded healthcare providers in the respective countries.
Where can I use EHIC/GHIC?
EHIC/GHIC cardholders are entitled to medical treatment in 27 European Union (EU) countries, as well as Switzerland, Norway, Iceland, and Liechtenstein. GHIC also covers the United Kingdom.
Will EHIC or GHIC cover all travel insurance needs?
No, EHIC/GHIC is not a replacement for travel insurance. It covers only medical needs during your temporary stay in the covered countries. Travel insurance covers a range of unforeseeable events like trip cancellations, theft, and medical emergencies that may arise outside the coverage of EHIC/GHIC.
Conclusion
EHIC and GHIC are two types of cards that provide access to medical treatment within Europe. GHIC has replaced EHIC in the UK after Brexit and covers the United Kingdom. While the cards aren’t a replacement for travel insurance, they could prove useful during any temporary stay in the respective countries. Be sure to apply for the card well in advance of your travel.
FAQs
1. How long is EHIC/GHIC valid for?
EHIC/GHIC is valid for 5 years.2. Do I need to carry EHIC/GHIC while traveling?
Yes, it’s recommended to carry the card with you while traveling as it may be required at medical facilities.3. Will EHIC/GHIC cover private hospitals?
No, EHIC/GHIC only provides cover for public healthcare providers.4. Can EHIC/GHIC be used for permanent stays?
No, EHIC/GHIC is only applicable for temporary stays in European countries.5. What if I need medical treatment, and I don’t have EHIC or GHIC?
You’ll need to pay for any medical treatment received without the EHIC or GHIC. It’s always best to carry proof of travel insurance, in case of any emergencies.