You are here: Home - Insurance - News -

Check EHICs before travel, warns Gocompare.com

0
Written by:
02/07/2014
Holidaymakers need to check their European Health Insurance Cards before they travel, as around 4.5m cards will expire this year.

The EHICs ensure people receive the same level of state medical care in their destination country as would be provided at home. Medical treatment may be provided for free or at a reduced cost in all European Economic Area (EEA) countries including Switzerland, all 27 members of the European Union (EU) plus Iceland, Norway and Liechtenstein.

The Gocompare.com research found that 92% of single trip travel insurance policies charge an excess on medical claims. However 90% of those would waive the excess on claims made for medical care when an EHIC had been correctly used in a participating country. The figures were similar for annual multi-trip policies.

The EHIC is free to most UK residents of British, EU, EAA or Swiss nationality. They last for five years and each member of a travelling party, including children, must have their own card.

Travellers can apply for an EHIC free of charge at the dedicated website. Cocompare.com warned that some official-looking websites found via search engines will try to charge as much as £24.99 to manage an EHIC application.

Gocompare.com found that there was still some confusion about the extent of the cover provided by EHIC cards. Its research showed 54% of UK holiday makers believe an EHIC entitles them to free medical care anywhere in Europe, while 6% believe the card entitles them to free medical care worldwide.

Caroline Lloyd from Gocompare.com Travel Insurance, said EHICs should be a complement to, rather than a replacement for, medical insurance: “Holidaymakers should always arrange suitable travel insurance to ensure they’re covered for medical treatment and repatriation if necessary. £1m of medical cover should be fine for most situations but some policies offer £5m or more as standard. For minor accidents and illnesses, and as long as you go to a state run hospital or healthcare centre, an EHIC could save you having to pay out too much, or anything, for treatment. Look at an EHIC as complementing your own travel insurance rather than replacing it otherwise you could end up with a hefty medical bill if you have an accident or are taken ill abroad.”

Tag Box

Debt

Pension

Spending

Financial fitness

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

Are you a first-time buyer looking for a mortgage?

Look no further, get the help you need by searching for your perfect mortgage

Five ways to get on the property ladder without the Bank of Mum and Dad

A report suggests the Bank of Mum and Dad is running low on funds. Fortunately, there are other options for st...

The essential Your Money guide to the April 2018 tax changes

As we head into the 2018/19 tax year, a number of key changes take place to existing policies while some new i...

A guide to switching energy provider

All you need to know about switching from one energy supplier to another.

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

YourMoney.com Awards 2018

Now in their 21st year, our awards recognise the companies offering the best products and services to consumers

Money Tips of the Week

Read previous post:
Skipton offers free retirement advice

Skipton has launched a free retirement advice service aimed at £20k plus investors following George Osborne's Budget announcement that all...

Close