Global Health Insurance Card

You should always travel with your GHIC.

The European Health Insurance Card was replaced by the Global  Health Insurance Card in 2021. However, existing EHICs are still valid until their expiry date.

A GHIC entitles you to medically necessary state-funded healthcare on the same basis as a resident in the country that you're visiting. his doesn’t mean the treatment is free, and the card doesn’t replace travel insurance, but it can result in reduced fees or excess waivers. 

The easiest way to get a GHIC is on the NHS website or contact Overseas Healthcare Services on 0300 330 1350.

Reciprocal Healthcare Agreements: Medicare

If you're travelling to Australia or New Zealand, you should enrol in the Medicare scheme. This agreement means that you can receive medically necessary care as an in- or out-patient free of charge. You can enrol for Medicare here.

Claims

You must always contact your medical assistance team in the event that a traveller on your policy needs medical attention. If someone needs to go to hospital, contact them as soon as is feasibly possible. They operate a 24/7 medical assistance helpline, and will provide support and guidance. If you do not call them, your claim may not be successful.

Please note that this is in addition to a GHIC and/or reciprocal healthcare agreement.

The Foreign, Commonwealth, and Development Office

You will not be covered under your travel insurance policy if you travel to a destination that the FCDO has advised against all (or all but essential) travel. Make sure that your destination does not have this classification prior to travel.
Website: Foreign Travel Advice | GOV.uk
Call: 0870 606 0290