Health on Holiday
The holiday season is now well and truly upon us, and many of us will be off to European destinations, like France and Spain. No need for for holiday insurance because you are going to the EU for a holiday from the UK, right? Wrong! In general, you will be covered, yes, but there are a few facts worth knowing about our reciprocal health arrangements with EU member states before you book this year's big European adventure!
As a national of an EU member state you and members of your family are entitled to free or reduced cost emergency medical treatment in any EU country as well as Iceland, Norway, Liechtenstein and Switzerland. However, it is worth noting that only publicly funded treatment is included in the European Health Insurance Card scheme – and each country operates its own rules for medical provision. In some countries, medical treatment is free, in others you pay part of the cost; in others you pay the total cost and then claim a refund.
The EHIC is issued by the Prescription Pricing Authority (PPA) and is free of charge.
Like in the UK dental care abroad is unlikely to be free and if you were putting off a visit to the dentist, make sure you fit it in before you go. It would be a shame to spend your holiday in the dentist’s waiting room rather than on the beach!
It is necessary to obtain travel insurance in addition to the European Health Insurance Card. It is certainly advisable to do so. You will find that few countries pay the total cost of medical treatment even under reciprocal health service arrangements. Illness or accident abroad may mean extra travel, hotel bills and the cost of getting you back to the UK, for which you should be insured.
It is impossible to allow for every eventuality but a bit of forward planning can be invaluable. Make sure you don’t get caught out and make sure you have a happy and healthy trip wherever you have chosen to visit in the EU!
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