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The Telegraph

What's the GHIC, and how does it differ to the EHIC?

The Government has now formally launched the Global Health Insurance Card (GHIC) – the scheme replacing the old EHIC arrangements, which gave British citizens access to free or low-cost medical treatment in EU countries. Full details have yet to be announced, but we now know enough to make a broad comparison between the two schemes. Here are the key questions answered. Why is it important? The huge benefit of the old EHIC and the new GHIC is that people who find it hard to get full insurance cover because they have pre-existing medical conditions can travel knowing that, if they need emergency treatment, they can use the local public health system without facing a huge bill. The official description puts it: “Your GHIC entitles you to free or reduced cost state-provided healthcare where treatment becomes medically necessary during a temporary visit to the European Union (EU).” Note that in some countries, state healthcare systems charge their citizens for treatment. It is usually only a small amount, but you will have to pay it and will not be able to claim the money back. What are the key differences? The key difference in cover which has emerged so far is that neither the EHIC nor the new GHIC now provide cover in four countries that used to offer reciprocal arrangements for British travellers: Iceland, Liechtenstein, Norway and Switzerland, which are in the EEA, but not the EU. Healthcare in Norway and Switzerland in particular can be very expensive, so it’s vital to make sure you are properly insured when you travel there. Do I still need insurance? As the Government regularly points out, neither the EHIC nor the GHIC offers you anything like the same protections that travel insurance does. To cover the potential costs of emergency repatriation, private medical treatment, cancelling your holiday, third party liable, lost luggage and so on, you need a fully comprehensive travel insurance policy.

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