EHIC cards (European Health Insurance Cards) have been an essential document for European travelers for many years. They allow citizens of European Economic Area (EEA) countries and Switzerland to access medically necessary state-provided healthcare while temporarily visiting another EEA country or Switzerland — and often under the same conditions and cost (or free) as locals.
But with recent political changes like Brexit and evolving EU healthcare policies, travelers need to understand how EHIC cards work, who is eligible, what they cover, and what alternatives are now in place. If you’re planning a trip across Europe, knowing how EHIC cards function can save you stress, time, and potentially a lot of money.
In this article, we’ll break down everything you need to know about EHIC cards, their benefits, limitations, application process, and recent updates you should be aware of.
What is an EHIC Card?
The European Health Insurance Card (EHIC) is a free card that gives you access to emergency or necessary healthcare during a temporary stay in another EU country, Iceland, Liechtenstein, Norway, or Switzerland.
The EHIC card:
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Proves your right to healthcare in other EEA countries
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Covers treatment for illnesses or accidents that occur while abroad
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Is not a replacement for travel insurance
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Typically allows treatment at the same cost as a resident (often free)
It is important to carry your EHIC card with you when traveling because healthcare providers may require it before giving treatment.
Who Can Apply for an EHIC Card?
Eligibility varies depending on your country of residence. In general:
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EU/EEA citizens: Can apply through their national health authority
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UK citizens (post-Brexit): Can no longer apply for the EHIC but may be eligible for the UK Global Health Insurance Card (GHIC)
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Non-EU citizens: May qualify if they are legal residents of an EU country and covered by its public healthcare system
You cannot apply for an EHIC card unless you are registered with a health insurance provider in your home country.
What Does the EHIC Card Cover?
EHIC cards provide access to state-provided healthcare only, and the coverage includes:
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Emergency treatment
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Doctor visits and hospital treatment
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Treatment for pre-existing medical conditions
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Routine maternity care (not planned births abroad)
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Dialysis or oxygen therapy if arranged in advance
However, EHIC cards do not cover:
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Private healthcare
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Planned medical treatment abroad
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Medical repatriation to your home country
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Travel-related accidents that require specialized care
That’s why having travel insurance along with your EHIC card is strongly recommended.
How to Apply for an EHIC Card
Applying for an EHIC card is usually straightforward and free of charge. The process varies by country, but in most cases:
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Visit the website of your country’s health insurance authority
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Complete the online application form
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Provide necessary documents such as proof of residency or insurance
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Receive your EHIC card by post within 7–14 days
Be cautious: EHIC cards are free. Never pay a third-party site for an application—there are scams that charge fees for what is a free service.
EHIC Cards and Brexit: What Has Changed?
Since the UK’s departure from the European Union, British residents are no longer eligible for new EHIC cards. However:
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Existing UK-issued EHIC cards are valid until their expiration date
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UK travelers can now apply for the Global Health Insurance Card (GHIC) instead
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The GHIC offers similar coverage to the EHIC in EU countries but not in EEA countries (Norway, Iceland, Liechtenstein) or Switzerland
UK residents are advised to check country-specific agreements before traveling to ensure they are still covered.
What to Do If You Forget or Lose Your EHIC Card
If you find yourself in need of medical treatment abroad but don’t have your EHIC card:
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Contact your national health authority immediately
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Request a Provisional Replacement Certificate (PRC)
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The PRC serves the same function as an EHIC and proves your entitlement
You may have to pay upfront for treatment and seek reimbursement later if you cannot provide the card or PRC in time.
EHIC vs. Travel Insurance: What’s the Difference?
It’s a common misconception that EHIC cards replace travel insurance. In reality, they complement each other.
| EHIC Card | Travel Insurance |
|---|---|
| Covers necessary public healthcare | Covers private healthcare, cancellation, lost baggage |
| Doesn’t include repatriation | Includes emergency return flights |
| Free of charge | Paid, varies by coverage |
| Valid only in EU/EEA/Switzerland | Often global coverage |
Travel insurance is still essential, especially for things like stolen belongings, trip cancellations, or needing to return home in a medical emergency.
Why EHIC Cards Still Matter
Even with their limitations, EHIC cards are incredibly valuable for travelers:
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They can save hundreds to thousands of euros in medical costs
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They are easy and free to obtain
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They ensure you receive quality care without delay
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They offer peace of mind in unfamiliar healthcare systems
For students, long-term travelers, or anyone visiting multiple EU countries, carrying an EHIC card is highly advisable.
Tips for Using EHIC Cards While Traveling
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Carry it at all times while abroad
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Know where to find public healthcare providers in your destination
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Inform doctors or hospitals upfront that you have an EHIC
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Keep a copy of the card in your phone or travel documents
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Still get travel insurance for full protection
Final Thoughts
EHIC cards are a simple yet powerful tool for anyone traveling within the EU and associated countries. They ensure you’re not left out-of-pocket in case of sudden illness or injury, and they connect you to the healthcare systems of other European nations on equal terms with residents.
While EHIC cards don’t replace travel insurance, they are a must-have for responsible and prepared travelers. Whether you’re taking a holiday, working abroad temporarily, or studying in Europe, an EHIC card gives you confidence and coverage when it matters most.
Before your next trip, take a few minutes to apply (or renew) your EHIC card—and travel smarter, safer, and more affordably.
Read More about: What Is The Ghic Card, And What Does It Do?
